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10-40 years of a pattern...lets hope not...today a friend of mine and I are already lamenting next years homeowners insurance changes...if we even get renewed...and we did not have any damage, yet!...After Andrew the casualty insurance industry went through huge changes in assessing risk, many companies quit writing in Florida and the deductible patterns have increased each year. Look for 15k as an average of deductible next year (just a gut opinion).
If we are lucky they will only go up that high. Pre-Andrew I was at 560/year. 11 years later I'm paying 3400/yr not counting flood. Add on a 5% ded on top of that and its sick. I need 25-30k damage before I even think about calling in a claim.
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Re: Ivan's Return