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Originally Posted by Wilson02852
They are probably there for two causes. The national forest and watershed/flood plain of St. John's river. Just look at the watershed and subset of tributaries of the 300+ mile long river. Forest fires and hurricane flooding.
A lot of the insurance cost increases is multifaceted. Hurricanes being one. Your neighbor's "free" roof and rising cost of insurance claims another. We insurance holders pay for all those tort law advertising on the TV everyday.
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Give me a separate higher deductible on my roof, I'll promise not to engage Dewey, Cheatem, and Howell, and cut my insurance premium. No reason why you should get a totally new roof when a hurricane tears off some shingles from your 20+ year old roof. When you get a nail in one tire with 10,000 miles on them, do you get four new tires? And does insurance pay for them?