https://youtu.be/QUz5xbYcuSU Only 4 percent of US homeowners have flood insurance. Your Homeowners policy may cover hailstorms, windstorms or blizzards, but not flooding.Taxpayers, stand by to be the insurer of last resort for millions. Property Casualty 360: California’s home insurance market is set to suffer another blow as Berkshire Hathaway’s AmGUARD and Falls Lake Fire & Casualty Co. plan…