OK, I will bite.
While I agree that some sort of self insurance/high deductible would really help the situation and cut down on fraud (looking at you roofers!) Most folks can barely make their monthly car payments. I think a large amount of reform is needed. I also think some areas should be straight up phased out by insurers. Public and private. If your house is going to get burned up or blown down every 10 years that's on you to make sure you can rebuild it. There are way to many multimillion dollar homes that are either investments or a rich persons play thing. There is a big difference between a primary residence SFH 1 mile from the beach and a beach front house rented out 40 weeks a year. They should be treated way differently.
I also think the US government should no be insuring anyone's home, but I am just somebody on the internet.