Tell the people who are hourly workers who had to flee, so won't be getting a paycheck, that they dodged a bullet. Bet they were living paycheck to paycheck....now they have no income. Plus, it costs money to flee...bet it was money they really didn't have. Tell the small businesses who depended on a constant cash flow/customer base to stay in business. Now, they'll probably lose their businesses because they had to flee, so no income flow. And, this doesn't take into account any property that might be destroyed. With higher hurricane deductibles, simply coming up with $5,000 or $10,000 for the deductible will hurt a lot of people.