We're trying to meet our obligations for flood protection and stream stewardship, and comply with all the statutes and regulations. It's a juggling act, but we do have to follow the law.

It becomes very expensive quickly.

If you get term insurance, you can always convert it to permanent protection later on, if [you] have a mortgage or kids to think about.

The industry has been trying to get around existing consumer protection provision by the way they set up their contracts. This is a complete and total victory for consumers.

In mid-America, the mid-sized and small communities where fire protection is (done by) volunteers, there are no investigation capabilities. You have to call in agency or county fire marshals, ATF,

In mid-America, the mid-sized and small communities where fire protection is (done by) volunteers, there are no investigation capabilities. You have to call in agency or county fire marshals, ATF.