Don’t get me started. Insurance has to pay for STD. rofl Insurance has to give you a new roof because your house is 30 years old and deteriorating due to wear and tear over years. rofl In FL everyone wants a new roof paid for by their insurance. That’s one reason rates are through the roof rofl in FL. When you bought your insurance policy, old age and wear and tear are likely not perils insured against. So rates go up for the carriers that survive and just about every few weeks another carrier goes under. It’s a big problem so while the subject may be funny it’s an example of reality happening every day in FL. rofl