Insurance and saltwater tanks????

You're confusing two different things here. Rising water, coming in under your doors, is not covered by home owners insurance. That requires flood insurance. But if the roof gets torn off in a hurricane, and you get water damage from that, that IS covered by your home owners policy. A busted pipe is covered by homeowners, a fish tank might fall into the same area..

 

I do think most insurance companies are there for money! Mine is USAA which is a military and direct family of. They actually cut a check every year for the money that was collected but not used. They are really good with working out things and the best company I have had. I will call and see what they say.

 

If you receive a check it means that the Insurance Company is a Mutual Company meaning that the insureds are the owners.

This is in contrast to a Public (Stock) company in which the owners are separate people that hold the equity of the company.