Companies like Countrywide took the insurance payments and paid off the houses. so no money to fix up the houses unless you got a sba loan. Countrywide made sure they didn't lose any money while those poor ol folks just lost everything. That is how Countrywide works. Some local Governors got involved to some extent, a lot of inurance complaints.Its a good honest old fashioned type of company. Like in the olden days, like the Vikings or Haggar the horrible.