Hmmm...My mind goes back to recent floods we had in the south of England.
I remember hearing the news reports of the aftermath of the flooded houses. The insurance companies were saying we'll pay out this time, but that will be the last time. In effect that property which had been insurable (and therefore worth something) has now become un-insurable and practicably unsellable on the open market. Is that justice for the home owner who bought the home in good faith, and was deemed a good risk before the flood? Should the insurance company have done there homework a bit more carefully? At the end of the day we the consumer pay when the insurance companies weasle their way out of social commitment.