Posted On: May 8, 2008, 3:34 pm CDT

Posted By: Gill Fin

How much insurers are paying to defend the contract has nothing to do with whether or not the NFIP adds wind to their contract. Lawsuits are brought each year challenging policy language, and not just for wind. How about groundwater and mold? Adding wind and flood to a private carrier contract is different than adding it to NFIP - one method promotes continuation of the private market, the other grows government. For me, and what it costs me each year, government is already altogether too big. Our government, if they really want to help, should continue to expand the public service advertising campaign reminding folks that flood and sometimes wind may not be a part of their insurance program, and to contact their agent for more information. That is a message that helps homeowners, agents and even the insurers at a corporate level. Those messages serve to remind ALL of us what our respective job is.