Maybe you can tell us what a "hurricane deductible Provision" might be and what is means for a homeowner who already has insurance vs someone who is shopping but uninsured, or someone who has one level of coverage and wants to change to a different level of coverage.
Perhaps a link to the video you watched. And I suspect you mean Friedlander.
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Men plug the dikes of their most needed beliefs with whatever mud they can find. - Clifford Geertz
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