'Act of God' an excuse for government's poor flood preparation

This summer, severe storms and extreme heat have crippled infrastructure across major cities. I was on a call with a friend in Chicago when she mentioned her basement had flooded. "You might hear some banging," she said as repair crews worked through the damage. When I asked about flood insurance, she said she had none. Floods are historically labeled an "act of God," requiring special insurance coverage. But Chicago isn't a bayou or a vulnerable coastal town. It is a lakefront architectural…