The letter from the representative of the Property Casualty Insurers Association of America made it seem like the insurance companies that have had to pay out for Sandy damage are the victims ["Don't penalize insurers over prices," July 2]. I am glad that Sen. Charles Schumer (D-N.Y.) is trying to regulate insurers in New York.
Homeowners are required to carry home insurance as part of their mortgage agreements, and most never file claims. Sandy has forced the insurance companies to use some of the money they have amassed through the years.
I know of countless people who still have not repaired or rebuilt because of difficulties encountered when trying to collect from their insurance companies. They are the victims here.
Others, like me, are having our policies canceled because of "exposure or loss" from severe weather. Isn't this why we have insurance? I do not live in a flood zone. I did not have any damage. I did not file a claim.
Who are the real victims here?
Myra Kennett, Baldwin