terry wrote:

Denying insurance coverage for something a citizen had no control over
is inhuman.

Homeowner's insurance is to cover loss from certain damages and to cover
fire, theft, medical expenses if someone is injured on your property and
things of that nature. The coverage is very specific and is listed in the
policy.

There is nothing in the policy about defective materials in a house. They
are not denying coverage, you never had it and you never paid for it.
Insurance is a business transaction. You pay a premium for specific items
covered. Nothing inhumane about it at all.