That is one of the reasons I enjoy not being anywhere near the ocean. So crazy.

When looking at this from a business perspective, I would not see much reason for any institution to be a solution. The insurance companies spend an incredible amount on lawyers to negotiate their way out of having to pay the settlements. More profitable for the shareholders and owners who care about nothing else. Then, the government can make more taxes on the increased profit.

It is a large scale project and getting humans together on such a massive scale is tough at best. I hope the people get patched up very soon because the costs will just mount as water damage is also expensive AF.