Risky Business!

There's an interesting discussion between the insurance companies and government going on.  It's got even more pertinent after all the recent rain and flooding.  My understanding is that the insurance companies don't want to be burdened with high risk - something that is inherent within their business surely?  I guess it's the relative costs involved.  With flood damage, they rip out anything that has been wet - carpets, kitchen units, skirting, doors etc. etc., and even replaster in most cases ..and that 'replace everything' policy is probably partly to blame for them not wanting to pay up for everything.  If they limited the replacement policy to essential damage (can you have such a thing?), then the cost of repair would be less, less risk, and so on.  I should mention here the building trade that must have made a tidy profit from other's sufferings (I'm not including the insurance companies in that statement, because it's their job, not their life) - they have metaphorically rubbed their hands at such rich pickings. 'New skirtings? No problem madam, why don't I go up the stairs at the same time?  They'll never know'..and surely that rotten door frame was affected by the flood water? Leave it with me'.  Of course, I just made that scenario up, but I'm sure it's going on.  And what about the assessors?  Their job is to go out, assess the damage and report back to their insurance bosses that x and y need doing at great cost. The issue here, is that if they found very little needed doing, they would gradually reduce the amount of work they themselves would do as they found less and less work for the insurance companies to manage, the insurance companies would reduce their need for assessors.  It's just a very convenient money laden bandwagon that as many people of possible jump on, and those that are not on it complain.  If it's government money, even better!
The latest cyclocross results move me up a couple of places into 7th overall in the 50+ league (out of 17).  There's only a couple or races left, and I might get another place higher barring mechanical mishap.  I can't believe now that after the Ormsby race when my chain jumped off and knackered my rear mech I was seriously thinking it wasn't for me and I'd be better off keeping to the roads.  It just goes to show how 'feelings' are transitionery and try as might, we always struggle to put them into perspective.  It could be that the way I feel now about cylocross (good fun, enjoyable etc) is actually a false state of mind, and theose earlier thoughts (no fun, not enjoyable) are my true feelings? Now there's a psychologists dream scenario.