I find the intuition that the insurers are scumbags interesting (not that I don&#x27;t share it, on some level). After all, in this case they also didn&#x27;t cause the problem, don&#x27;t own the house, and never agreed to insure the homeowner against that kind of risk. What am I missing?<p>Of course, its important to distinguish this situation from cases where the insurer <i>did</i> agree to cover it, but refuses to pay anyway.