[Blueblaze]

It's got nothing to do with hurricane risk to The Villages. There is none. How do I know?

I'm from Houston. I went through THREE hurricanes that were level 5 when they hit, in a house (Cypress, TX) that was the same distance from the coast as The Villages. The eye of one of them came directly over my home. The house I lived in was a frame house with brick veneer with no hurricane or windstorm rating whatsoever -- unlike your home here in The Villages, which is rated for 110 mph. You probably even live in a concrete block house that could easily withstand 200 mph.

What was the worst damage I had from 3 level 5 hurricanes, from 80 miles away? One of them blew down about 20 feet of an old privacy fence that needed to be replaced anyway. That's it.

That fact is, by the time even a large hurricane makes it over 80 miles of land, it's barely a "1". If I know these facts, you can be sure that your insurance company does, too. And by the way, how many hurricanes did The Villages experience in that same time period? One little level 2? Give me a break! I had a little tropical storm dump 36 inches of rain on me the year before I moved to Florida! And my insurance was HALF what I pay in The Villages!

We have insane insurance rates and no national options because if you're like me, half the people you know have scammed a roof out of their insurance company. Insurers are forced to write these idiotic "full replacement value" policies. It is literally an invitation to fraud. And we live in a state where people like us who have ZERO hurricane risk are forced to subsidize the vast majority of the population that stupidly lives within 10 miles of the beach.

Nothing will change until:
1. "Full replacement value" is outlawed
2. Prior scammers are forced to pay higher premiums
3. Insurers are forced to charge according to the actual risk and not allowed to use low risk to subsidize high risk.

The insurance market in Florida is one big scam. Nothing will change until that is fixed.