If you think the snow and the ice suck, you should see what happens when it all begins to melt.
My wife, who works in the insurance industry, got a call yesterday from a woman complaining about 2 feet of water (from melting snow) flooding her basement apartment. "Sorry, that's not covered."
I have a theory that eventually insurance companies will force us all to live in Arizona, Texas or a handful of other states where extreme weather systems don't often visit.