You’re an attorney?!?

In yet another example of American entitlement, Mississippi Attorney General Jim Hood has sued 5 major insurance companies on behalf of victims in MS for not covering “storm surge”. While on the surface it appears that the AG is standing up for the little guy, the law suit is a bit preposterous. The victims had purchased hurricane coverage. It is my understanding that the policies clearly stated that they did not cover water damage. AG Hood’s argument is that the policies did not expressly state that “storm surge” was not covered, and, if they had the insureds would have purchased additional coverage. C’mon. What part of “does not cover water damage” is incomprehensible? While it is sad that many if not most people that suffered loss were underinsured that is no reason to require the insurance companies to pick up the slack. I’m sure that I don’t fully understand my automobile insurance and all the different coverages, but whose responsibility is it is I fail to elect a particular type of coverage? I can’t expect the insurance company to cover the losses I didn’t insure unless there was a gross misrepresentation. Again, “does not cover water damage” doesn’t sound like the insurance companies were really trying to hide anything. That being the case, the policies are CONTRACTS. The insurance companies agreed to assume a specific risk in exchange for a premium, a premium that calculated only that risk. C’mon Jim, during this trying time you need to find a better way to be helpful.