OMG... I am also terrible at maths... this might be a disaster.
Okay, here goes...
Say you're renting a house, it's leased for a year and it costs $2000 a month. That's $24,000 a year. You have all your stuff and you have renters insurance.
Your next door neighbour bought their house for $240,000 and have $180,000 left on the mortgage, they also have all the insurances.
A flood hits and both houses are now rotting, moldy and unlivable... and the insurance companies won't/can't pay for whatever reason (which has happened in both California and Asheville North Carolina).
You can't live in your rented house, but you're still obligated to pay out your lease. It's rough, but you basically lose $24,000 for the year.
Your neighbour is still obligated to pay off their mortgage even though they can't live in their house... so they're out $180,000. We've seen in Asheville that absolute jackals descend on the area offering to buy people's properties for dirt cheap, so maybe your neighbours sell their property for $40,000.... so now they're only down $140,000 (I'm ignoring mortgage interest here, so it would probably be a lot more).
So $24,000 is less than $140,000.
Obviously there are all sorts of legalities and rights and all sorts of stuff I'm not really taking into account here.. the variables are huge... but for-profit insurance companies will do whatever they can, even if its illegal, to get out of giving money to their customers.
P.S) I had no idea dyscalculiac was a thing... but I hope this helps.