Based on your comment saying that I used "backward logic...", it is apparent that either/or: You have never filed a claim with an insurance agency and haven't a clue as to what you are talking about, or you are an insurance agent (readily apparent by your suggestion to READ your policy and it's fine print closely) and...you were not here after hurrican Fran to witness how some of the insurance comanies screwed their customers to the wall after they had payed for so many years and were believed to be covered.