the increases are due to all the houses getting "free roofs" due to all the "storm damage" they have. the damage is questionable because the insurance company gives in because it's costs them more to fight it. it's fraud. I lived 3 miles from the Gulf of Mexico and we had real storms and I never saw this happening. unfortunately, those of us who choose not to do this are facing cancellations due to the age of our roofs or exorbitant raises in premiums. it's particularly galling because these people getting "free roofs" can very well afford to replace their roofs but somehow think because they've paid premiums all these years they are entitled to it.
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