[kkingston57]

Originally Posted by Blueblaze

I suppose it can happen, but I suspect it was a tornado that caused all that damage and not the Cat 1 hurricane that Irma might have been once it got to your house.

I lived in Oklahoma for 25 years and had two tornadoes go over my house, one of which removed half my roof. The other one was the remnants of the Oklahoma City Cat-5 that you can read about on-line to this day. It was barely a Cat-1 by the time it crossed the 80 miles to Tulsa.

I lived in Cypress, TX (NW suburb of Houston) for 20 years -- 80 miles from the ocean. During that time I had THREE cat-5 hurricanes go over my house -- even the eye, in the case of Rita. Total Damage? One rotted privacy fence post broke off and had to be replaced.

Why so little damage? Because a Cat-5 hurricane is barely a Cat-1 by the time it crosses 80 miles.

My Tulsa insurance was 20% less than my Cypress, TX insurance. Meanwhile, my Villages insurance, even with State Farm, is TWICE the cost of Cypress, and this little town in Florida has experienced exactly ONE little topical storm in its entire history, which people will call a "hurricane" because that's what it was when it hit the coast.

If ANY insurance company had any sense at all, they would insure The Villages at a lower rate than Tulsa, and quit writing policies in Tampa. They would clean up.

Florida is the world wide leader in litigated claims on a % basis by far. Hopefully this will end soon. Legislators did make it a loss less worthwhile to hire a lawyer to handle an insurance claim.