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Insurance was always a last case resort and not submitting claims because of a paint chip. Now that climate change is showing its face and you built along a beach which everyone has warned you about and needs constant replenishing. Sorry if I am having a little trouble finding some empathy here.
Note that a lot of the people that are in trouble this time are hundreds of miles inland in mountains.. .
Climate change affects the entire planet. I was simply pointing the most obvious example. What happened in west NC is tragic but this is the new reality we face and the entire south and eastern coast line requires a rethink of how we insure and more importantly how we build in the future.