Jim you have a foul mouth lets, see you own a 1985 32 ft caver worth every bit of $5,000. You have insurance on it for about $35,000 it gets destoyed in a storm you collect $35,000. So you see the ******* is you because people like raise my insurance on things I own. People that loose there boats in a storm are covered by insurance and they will make out better than selling it. People that loose there homes is a different story they usually have no flood insurance, That is because they built there homes on area that are flood zones. So if I want to go looking for things and people are selling it is my business no different than you going buying a house in a forecloser.