Letter: Insurance doesn't want to pay

I'm tired of organized crime, and by that I mean the insurance companies. Anyone hit by Tropical Storm Irene and submitting a claim for coverage surely understands what I mean ["State to help file Irene damage claims," News, Sept. 7].

As a homeowner in a flood zone, I'm required by the bank that carries my mortgage to have flood insurance. I pay high premiums that creep higher over the years.

But put in a claim, and learn about loopholes. I try to understand why water seeping in from the ground is not covered in a flood. Perhaps I should ask the floodwater to be more courteous and enter through the front foyer.

Either way, when and if the insurance company can't find a way to weasel out and must actually cover damages, expect a steep deductible. Example: One hot-water heater will cost somewhere in the range of $900 to $1,200, which the insurance company will gladly cover -- after a $2,000 deductible. And then the company charges a higher premium.

There are many variables, but no difference in the way homeowners are taken advantage of by these bullies for a buck.

Maria DellaPorte, Long Beach