The Homeland Security Insurance Scam

Isn't it good to know that the humongous department of homeland security is so wisely spending our tax dollars to defend us from terrorists?

Take, for example, the slick mass mailing recently put out by DHS urging America's homeowners to buy flood insurance. Yes, flood insurance. In the midst of various color-coded warnings about imminent terrorist attacks on America, our homeland security authorities are spending their time and our money to hawk flood policies on behalf of giant insurance corporations!

In a breathless and alarmist letter mailed to thousands of people, including my friend Susan, Mr. Michael Brown, purporting to be the Under Secretary for Emergency Preparedness and Response, warns in bold type that "Floods can happen anywhere." In a scary, red-tag warning on the envelope, Under Secretary Brown direly informs us that "Homeowners insurance doesn't cover you for America's #1 natural disaster." So, in his letter, this homeland czarist shrieks in blood-red type: "Don't Delay! Get Flood Insurance Today." Ever so helpfully, he even provides the name and number of "selected agents" in your area who sell these insurance policies, urging you to "Call your agent."

Of course, the vast majority of homeowners don't live in a flood plain and have no need whatsoever to waste their hard-earned money on such insurance. Indeed, my friend Susan lives on an upslope that has never, ever come close to being flooded. Also, Susan is not even a homeowner! Yet, in the enclosed brochure, the homeland authorities declare that "Flood insurance is for everyone."

Why is our government shilling for insurance giants, fraudulently peddling policies to people who don't need them and will never collect on them? If the homeland security department doesn't have anything better to do than run insurance scams, congress should yank its $40-billion-a-year budget.

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