Politicians were not involved in my garage fire, but if you've seen the news in the last two months it's obvious that they're wrapped up in Hurricane Sandy and I see this as part of the problem more than the solution. Our Washington legislators get a lot of money for reelection campaigns from the Insurance Industry. Once again, the insurers are just looking out for their own interests, most obviously money. If the Insurance Industry can pass off any part of the expense to us, the American people, that's better for them. Furthermore, do I believe the insurance industry wants to cut checks to rebuild after Sandy? I do not. They will because they have to, but not because they want to and when a camera is around they do it with a smile. I think it works to their advantage to have the national reps in Washington in the picture so they can justify some postponements of claims and explain that they're waiting for the folks in D.C. to take anticipated action. And no matter how much the taxpayers help out now, the insurance companies are still going to cover themselves by raising home insurance rates and using Superstorm Sandy as their justification. They must have money in the vault for the next storm and they'll get it from us because they can.
I rebuilt the Hurricane House sixteen years after Hugo hit South Carolina and I'm certain that more than a few homes on the East Coast will still be in need of repair from Sandy in 2028, sixteen years after the superstorm. It won't always be tied back to politicians and insurers, but in some cases it will.
My garage fire claim was basic. Replacement of a small, two-car garage, the contents, and some money for damage done to the house. The people in the East Coast have bigger and more intricate claims and if the numbers and percentages are as twisted up as mine were, that just adds to their confusion...but that's how the shell game works.