[RVJim]

Originally Posted by Blueblaze

Cartels are the exact opposite of Capitalism. And it's not a rant when you SPELL OUT THE SOLUTION.

You don't expect Allstate to buy you a new car if you wreck your 15 year old Chevy. So why do you expect your Florida-Fly-By-Night insurance company to buy you a new roof every time some crook tells you the last storm loosened a few of your 15-year-old shingles?

I can answer that -- BECAUSE THAT'S THE POLICY THOSE MORONS INSIST ON SELLING YOU.

Quit pretending this rigged game is "Capitalism". The reason the majors won't insure your Florida roof is the obscene level of corruption in the Florida insurance industry. I never had trouble getting insurance on my Houston home -- and that house was 30 miles closer to the ocean and wasn't built out of concrete and steel.

End these stupid "full replacement cost" policies, and you will see the Florida insurance market start to resemble the other 49 states where the majors DON'T REFUSE TO DO BUSINESS.

It is a rant. Nonetheless you don’t spell out a solution just a long emotional tirade of name calling and shouting. Your outburst reminds me of my five year old grandson when he loses at MineCraft. Maybe you should move back to Houston where the insurance market and rules are more to your liking. If you stay here I fear you will burst an artery with all of this pent up anger at the insurance “cartel”. HO insurance in Florida is capitalism at it most darwinian finest.

[EdFNJ]

Originally Posted by NorineBerlinski

I use Kin Insurance for my home. I paid $511 in 2021 and they want $1,819 in 2022. I called them and by adjusting some deductibles was able to lower it to $1,414. She said this was happening to everybody due to hurricanes, inflation, blah, blah, blah. Has anyone else experienced this and any recommendations on cheaper insurance.

YIKES! That's crazy but not unheard of. Nope. After reading similar topics over the last year I was braced for a pounding this July but it didn't happen. My rate went up about $60 on our July 1st renewal. It's a wood frame 2/2 about 13yrs old with ~9 yr old roof (seems it was replaced under mfg recall warranty of some sort a few years before we moved in in Jan 2017). Still under $900 w/full (maximum) coverages from Traveler's including sink hole. This is our 3rd renewal. IIRC we started out at around $780. Knock plastic, I hope it continues this way!

[PJackpot]

Originally Posted by NorineBerlinski

I use Kin Insurance for my home. I paid $511 in 2021 and they want $1,819 in 2022. I called them and by adjusting some deductibles was able to lower it to $1,414. She said this was happening to everybody due to hurricanes, inflation, blah, blah, blah. Has anyone else experienced this and any recommendations on cheaper insurance.

I just got my renewal from Southern Oak Insurance Company. $604 for the year. It went up about $30 from last year.

[irishwonone]

Originally Posted by toeser

i have tried to get insurance from "name companies." hardly any will write new policies in florida. They probably are witnessing all the roof fraud going on in florida.

bingo!!!!!

[nn0wheremann]

Originally Posted by NorineBerlinski

I use Kin Insurance for my home. I paid $511 in 2021 and they want $1,819 in 2022. I called them and by adjusting some deductibles was able to lower it to $1,414. She said this was happening to everybody due to hurricanes, inflation, blah, blah, blah. Has anyone else experienced this and any recommendations on cheaper insurance.

Farmers.

[Luggage]

they STILL concider it as a hurricane so you lose out.

Originally Posted by Babubhat

When was the last time TV had a hurricane? Thought 2015 it was tropical storm by time it reached here. 75 percent of my premium is for hurricane. Ridiculous

The Villages, FL - Hurricane Information & Risks | Homefacts

[OhioBuckeye]

Think about how our society is going down the tubes then you tell me why you think everything is getting way out of hand. I can’t say because if I do I’ll get banned.

[kkingston57]

When I 1st heard about Kiln, they reminded me about pricing for phones, cable tv and internet. Bait and then increase. To answer your ? suggest you go to an independent agent. They represent multiple carriers and can get you best price from their clients. This situation is not going to improve.

On the bright side we are paying 75% less than if you live near the coast.

[kkingston57]

Originally Posted by Babubhat

When was the last time TV had a hurricane? Thought 2015 it was tropical storm by time it reached here. 75 percent of my premium is for hurricane. Ridiculous

The Villages, FL - Hurricane Information & Risks | Homefacts

Actually 2017 when hurricane Irma struck Fl. Problem is that people in TV are paying for the risks of Florida and we are paying for damages that occur in other parts of the state and all of the ?able roof claims in Central Florida.

Check to see how many national insurance companies provide insurance for Floridians. Not too many. They stopped doing business in Florida after hurricane Anrew in 1992.

[Babubhat]

Insurance companies should be cleaning up on the premium float now that interest rates are increasing

[DAVES]

Originally Posted by NorineBerlinski

I use Kin Insurance for my home. I paid $511 in 2021 and they want $1,819 in 2022. I called them and by adjusting some deductibles was able to lower it to $1,414. She said this was happening to everybody due to hurricanes, inflation, blah, blah, blah. Has anyone else experienced this and any recommendations on cheaper insurance.

My mother used to work for an insurance broker, many years ago. Simply stated. You can save money by increasing deductibles in plainspeak you are self insuring till a loss gets above the deductible that you agreed to. People think, I've been a customer for years as a loyal customer they give me better rates. Reality is they often give better rates to a new customer to attract them from another insurer. There is more to it than what you pay.
Insurance companies are rated by how easy they are to deal with IF YOU HAVE A CLAIM.
The cheapest is not always the BEST VALUE. I'm not an insurance expert. I've never heard of Kin insurance, that does not mean it is good or bad. I would set up an appointment, bring your current policy and discuss it with a broker. If, you do not have a mortgage, you can choose to self insure the entire value. Hurricane, inflation etc etc you then only need to call your bank balance.

[Blueblaze]

Originally Posted by RVJim

It is a rant. Nonetheless you don’t spell out a solution just a long emotional tirade of name calling and shouting. Your outburst reminds me of my five year old grandson when he loses at MineCraft. Maybe you should move back to Houston where the insurance market and rules are more to your liking. If you stay here I fear you will burst an artery with all of this pent up anger at the insurance “cartel”. HO insurance in Florida is capitalism at it most darwinian finest.

Maybe you just can't read, so here is the solution, spelled out, yet again:

D-E-P-R-E-C-I-A-T-I-O-N.

So far, you've accused me of being a communist, being too poor to live here, and being a five-year-old. Interestingly, the censors haven't said word one about your personal attacks.

The one thing you HAVEN'T done is poke a single hole in my argument.

Seriously, when someone defends such obvious corruption so vigorously, you have to wonder at the source. And the fact that you get to break the rules with abandon makes me wonder if there's a sponsorship aspect here.

Should we call you "Roofer Jim"? Or maybe Kin Jim?

[EdFNJ]

Originally Posted by DAVES

My mother used to work for an insurance broker, many years ago. Simply stated. You can save money by increasing deductibles

What you mother's employer said is true except when your rate goes from $500+ to $1800+ as was the OP's case lowering deductibles won't make a hellava lot of difference. I don't think paying that much more every year would make any "good" insurance company that much more worthwhile having than a "mediocre" one considering the odds of a major claim happening. Insurance is basically based on odds ..... so not having any is probably a tough bet to make.

[RVJim]

Originally Posted by Blueblaze

Maybe you just can't read, so here is the solution, spelled out, yet again:

D-E-P-R-E-C-I-A-T-I-O-N.

So far, you've accused me of being a communist, being too poor to live here, and being a five-year-old. Interestingly, the censors haven't said word one about your personal attacks.

The one thing you HAVEN'T done is poke a single hole in my argument.

Seriously, when someone defends such obvious corruption so vigorously, you have to wonder at the source. And the fact that you get to break the rules with abandon makes me wonder if there's a sponsorship aspect here.

Should we call you "Roofer Jim"? Or maybe Kin Jim?

Mmm I never said you were a communist. I see you are now resorting to conspiracy theories. We all know the path that line of thinking takes us on.

I have poked holes in your arguments you just don’t seem to be “pickin’ up what I’m layin’ down”. Reread my first reply to your first post slowly and work on comprehension.

[OhioBuckeye]

Guess I didn’t understand why Ins. rates went up so much, to me this is a pretty hefty jump in rates!