[luckylion]

I don't know about the US version, it probably depends on the insurance company. My point is just that there's no guarantee of success, only of trying.

If we need 4 million apartments, but only 3.5m physically exist, we can't decree the remaining 500k into existance, they still need to be built. They are currently not built for unrelated reasons (city planning, permits, speculation etc), not because "we" (as a society) don't want them to be built. I don't see that changing anytime soon in the large cities, because the population is generally against higher population density, construction projects and longer commutes. Policies will not change that, unless massive changes in laws take away citizen's ability to protest and stop new development projects.