When getting insurance quotes, ask whether windstorm mitigation construction features are included in the quote. I know someone who just bought a 17 yr old designer and the quote from Villages Insurance was $1300 which seemed very high for the model. The buyer heard about the mitigation inspection, paid $75 to have it done, and the insurance quote was recalculated at closer to $700. The agent did not alert the new homeowner...she had to find out about wind mitigation on her own.
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Maryland (DC Suburbs) - first 51 years 
The Villages - next 51 years 
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