Just went through this with a home built before 2003. Yes it was a factor when trying to get insurance. However, there were many options still available and in the end I got a really fair deal. You just have to shop around. A bigger issue is the age of the roof and HVAC. I wasn't here when the roof thing went down but I sure saw the result of it when soliciting insurance quotes. Thankfully the home in question had a newer roof. The home inspector provided a Wind Mitigation report and a 4 Point Inspection report. Saved me hundreds of dollars on insurance.
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