Insurance companies are beginning to panic. They feel climate change is causing more natural disasters, meaning they must pay on homeowner claims. Over the last few years, there have been so many major hurricanes in Florida that insurance companies have canceled policies and have stopped issuing new ones. Their lack of desire to payout proves there has always been a flaw in how the insurance business operates. They love taking your money but hate giving it back to you when you use the service you purchased from them…