Florida's insurance commissioner says the national credit crunch could lead to more home foreclosures. That's because the Florida Hurricane Catastrophe Fund, which provides backup coverage for insurance companies, is having a hard time lining up financing, Commissioner Kevin McCarty told the Senate Ways & Means Committee on Thursday. If the fund runs out of money, it sells bonds to cover remaining claims. It's unlikely the fund could sell enough bonds if a major hurricane should strike because the bond market is so tight, McCarty said. The state is exploring other options including a line of credit from the federal government. Committee Chairman JD Alexander, R-Lake Wales, said one alternative is to raise premiums.