Insurance Fraud

I have paid out for 40 years at today's money $500 per year times 40 equals $20,000. They have paid me to this point for my claim $000.00.  This is a total loss of  say $55,000 flood damage plus the loss of premiums of $20,000. That makes a sub total loss of $75,000 Interest at the say $50 per year is 40 times 50 =2000. Total loss is $77,000 Where as Silverstein made 7 billion gain from the twin towers in a couple of years. Now that's subsidizing the rich!