The demand was to replace my perfectly good roof and maybe we will insure you at a cost that we have not yet determined. I live 75 inland, not a likely target of a really bad storm. After calling a lot of other insurance companies and getting the same sort of replies, I just paid off the mortgage and told all of the insurance companies to go to hell. I am continuing to bank the mortgage and insurance payments as a form of self insurance. Of course I know that it is risky, but it is a risk that I am willing to take.
Companies are getting out of the business of insuring Florida homes; they only want to write hurricane policies in Montana. The real tragedy here is that a hell of a lot of homeowners will not be able to comply with the insurance demands or the cost of new policies and will end up losing their homes to the mortgage companies over the issue, and there is nothing that they can do about it.
There was a day when our State would have told the companies that you either write hurricane policies here, or you don't write car insurance, life insurance or health insurance. Now that we have become a solid Republican run state, it is the insurers, not the customers that get the help of the state.
40 years ago, with the birth of my first child, my insurance company wanted to deny coverage of the birth for some bullshit reason, about a lapse in coverage that never happened. After a running battle that I was losing, I made contact with the Dept. of Insurance. After a brief investigation, the state informed my insurance company that they would cover the birth or get out of the state, my claim was paid. Democrats ran the state back then...
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