Insurance companies = immoral greedy thieves

Why do these insurance companies look for any reason to not pay a claim??? Many of those poor people (both literally and figuratively) in Louisiana and Mississippi lost everything last year and many will not receive any compensation from the insurance company's they've paid premiums to for years. I figure that I have paid an average of $500 every six months for the past ten years for auto insurance . That equals TEN THOUSAND DOLLARS!!! What a f-ing ripoff! Wind damage vs. Storm surge? What a bunch of bullshit! Storm surge does not blow the roof off of a persons house! I feel sorry for the souls of the people that steal from hard working people that want security for their lives, families, and property.