Unedited Comments Received through our Website
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Unedited Comments Received through our WebsiteComments: I am a realtor. I have seen the plight of the people,they just cant afford the cost of insurance. People are running from south Florida in droves, to Atlanta. Can you imagine the mass forecloser, and the effect on the economy? Right now homes are not selling,and nobody is buying, because of the high cost of insurance. Please do something about it. Yours Truly -------------------------------------------------------------------------------- Comments: Thanks for your stellar efforts. -------------------------------------------------------------------------------- Comments: THANKS W JEB AND DICK. -------------------------------------------------------------------------------- Comments: I Had Citizen up to 2004. I was transferred to First Ins. My deductible went up $1000.00and premiums up as well. I Had Damage with Wilma. No payment yet. The Ins did not want to send an inspector Did phone conversation and from that decided my deductibe was higher than my damages which they never surveyed. Now my insurance doubled up to over $6,000.00 and I received a letter from First Ins that if I did not show proof that my damages were corrected they would cancel my Insurance. I can bearly make ends meet. I had to get two loans due to Wilma and hurricane prepareness. No one in The local government seems to care. I do not think the State cares either. Higher deductibles is not the answer. Why was my Ins doubled? No hurricanes this year and no claim was ever paid. Thank you. God Bless -------------------------------------------------------------------------------- Comments: My homeowners insurance with State Farm went from $1788.00 to $6500.00. I have never submitted a claim in the 30 years I have had State Farm. I was able to lower the premium by raising my deductibles to the maximum and eliminating what coverage I could. I basically have a policy now that I can never use but because I have a mortgage I have to have insurance. My property taxes also keep going up, so where is this extra money going to come from? I would like to retire but I will just have to keep working to afford to stay in my home. This is a disaster ! I have many friends who are on fixed incomes and are desperate as to what to do..very sad. Is anyone listening and realizing that we are in a crisis? -------------------------------------------------------------------------------- Comments: Taxes and insurance costs have increased dramatically of the last few years. It is truly deplorable that the insurance industry has been given the latitude to increase rates beyond what is just and resonable. A retired person can not afford the rates and must move or bear the risk of being underinsured. I am employed and find that my increases in salary can not keep up with the hikes being imposed on me. My father has decided to sell his home of 40 years because he is retired and n a fixed income. His rate went from $1800 annually to almost $6000 in one year! He is moving out of state and not looking back. I also have over twenty close friends that have moved for the same reason.
-------------------------------------------------------------------------------- Comments: I am retiring in January and currently live in a four bedroom house that is too big for me. However, I cannot afford to downsize because of the extraordinary increase in taxes that I would have to face. This State and Miami, in particular, are quickly belonging to the rich only. It is important that the policy makers and politicians have the vision to remember that the middle class is the core of a successful capitalistic-democratic society. I trust that you take the necessary action. -------------------------------------------------------------------------------- Comments: I am so glad that something is being done about this because, if this continues, people in Florida will not be able to retire. Your source of income will go towards paying for property insurance and this is clearly not how it was meant to be. Life is stressful enough without having to wonder whether or not you will be able to live in your home that you have worked so hard for. This is supposed to be the American Dream but if it continues, it will turn out to be the American nightmare. -------------------------------------------------------------------------------- Comments: I live east of I-95 and my insurance rates have doubled and are expected to triple next year. Some state government intervention is necessary to keep homeowners from absorbing the brunt of the burden. Please do contact me if you require an area homeowner to testify as to my experience with Citizens Poperty Insurance as a Florida resident and homeowner over the past few years. -------------------------------------------------------------------------------- Comments: The insurance crisis must be rectified as soon as possible. My homeowners insurance is almost as much as my mortgage. That's absurd. People are leaving Florida everyday because of how expensive the insurance is. -------------------------------------------------------------------------------- Comments: Mr. Rubio: Read your "We get it" piece in today's Miami Herald. I applaude your bipartisan efforts and urge you, along with your fellow lawmakers, to now follow through on that which you already understand is an urgent necessity. Thank you. -------------------------------------------------------------------------------- Comments: This situation in Southeastern Florida, along with property taxes, is totally out of control. Something needs to be done, and it needs to be done now, to give relief to home and condo owners. There are condo and townhouse associations comprised of middle/lower-middle income residents in the west side of Miami-Dade (and I'm sure all over)with major problems, due to the fact that they are only able to insure their property through Citizens, and these premiums are increasing their monthly maintenance payments to the point that it's almost another mortgage to pay. And I know of places where they are still trying to get their last hurricane damage fixed, because Citizens is refusing to pay reasonable amounts for some of the more basic damages. This place is indeed beginning to look like a third world country, evidenced by all the blue tarps still on the roofs, and sidewalk, fence and landscape damage still evident over one year after the last hurricane. If this is now, even when the last damage occurred before a lot of people were forced to cancel insurance coverage due to the exorbitant premiums, imagine what this city will look like after another hurricane, minor or major, hits, since there's going to be thousands with no insurance coverage due to their inability to pay the premiums. I find it terrible that large local insurers, such as State Farm and Allstate, who for some 30 years greedily collected premiums from Florida residents while there were no hurricanes, now cancel policies or triple/quadruple our premiums, and then to boot, greatly reduce the hurricane coverages and forcibly raise the deductibles when you are "fortunate" enough to still be able to obtain coverage through them. And then they are still allowed to cherry-pick for whom and what they are willing to cover, nowadays mostly just auto insurance, which carries less risk. And let's not even talk about all the little hidden clauses in the policies (this at Citizens as well) which grab on to anything they can so as not to have to pay when you -------------------------------------------------------------------------------- Comments: florida has been a place where people from all over would love to live and work. today we are faced with a crisis of unbeleivable rasing costs in insurance.we have always had statistics that would tell us how many people and business were moving into our sunshine state, and now with the soaring rate increaseS in insurance and taxes, those very statistics are all those moving out of the state because homeowners and business cannot afford to have insurance. ft. lauderdale is rated number 2 and miami number 4 on forclosures . why,INSURANCE AND TAXES. ITS TIME THAT THE PEOPLE OF FLORIDA MAKE SURE THAT OUR LAWMAKERS REALIZE THAT THEY NEED TO HELP BRING DOWN THE COSTS AND GET RID OF CITIZENS AND MAKE CHANGES SO OTHER INSURANCE COMPANIES CAN COME BACK INTO FLORIDA AND MAKE INSURANCE MORE COMPEDITIVE. HAVING ONLY CITIZENS GIVES THEM THE POWER ALOWING THEM TO RAISE THIER PRICE TO WHAT EVER THEY WANT. MY COMMUNITY ALONE AS MANY OTHERS WENT FROM $279,000 TO OVER $ 700,000 PER YEAR, AND WE WERE TOLD IT WILL GO HIGHER THIS YEAR. WHY, WE THANK GOODNESS DID NOT HAVE ANY HURRICANES IN 2006. SENIOR CITIZENS ARE HIT THE HARDEST. ON FIXED INCOMES SOME ARE FORGOING HAVING INSURANCE. LIKE THE PRESCRIPTION DRUG PLAN, THEY HAVE TO MAKE CHOICES LIKE MEDICATION OR FOOD. WHAT A CHOICE. LIKE INSURANCE , HAVE COVERAGE IN THE EVENT THEY NEED IT OR LOOSE THER HOMES. WE SPENDING GOD KNOWS WHAT ON IRAQ, WHEN WE SHOULD BE TAKING CARE OF US FIRST. THE AMERICAN DREAM IS GOING TOWARDS EVERYONE ELSE IN THE WORLD BUT US. HELPING OTHERS IS VERY IMPORTANT, BUT WE SHOULD BE FIRST IN EVERY ASPECT LIKE INSURANCE, HEALTH CARE, WHATS THE SENSE OF SHOWING THE WORLD HOW GREAT A NATION WE ARE WHEN WE DON'T EVEN TAKE CARE OF OWN. WE AVE LAW MAKERS LIKE SENATOR KELLER WHO IS WORKING HARD TO MAKE CHANGES. WE ALL MUST DO OUR SHARE TO MAKE ALL LAWMAKERS BOTH DEMOCRAT AND REPLICANS AWARE THAT WE CAN'T GO ON LIKE THIS AND THEIR JOB IS TO SERVE THE PEOPLE OF FLORIDA IN OUR BEST INTEREST. -------------------------------------------------------------------------------- Comments: I will hold my representatives in Tallahassee accountable for their actions and act for or against them in the next election.-------------------------------------------------------------------------------- Comments: My husband and I own a home in south Florida. We currently have one child and would like to have another one. Unfortunately, between last years rate hikes and the upcoming ones over the course of the next three years have made us decide to wait to have another child. As responsible citizens who pay all bills on time and have insurance so that we do not burden disaster funds of the state and government, I am shocked that we are the ones who are being puinished for being responsible. We have shopped around for other insurance companies to insure us, but there are no other. Citizens is the only one. Therefore, the premise that Citizens shoudl only be a last resort and should cost more than the others to encourage people to shop around is completely wrong. Citizens is our only choice, and therefore I feel like they have a monopoly on our insurance as we have no other option except canceling our policy and taking our chances. My husband and I are both in the education field and we cannot afford to take that chance. Please work to remedy this situation so that we can keep our house and still afford to have a second child. Thank you! -------------------------------------------------------------------------------- Comments: I have lived in Miami all of my over 30 years. I cannot imagine living any where else in the world, BUT am beginning to HAVE to imagine it. That I cannot move to a larger place because of the property costs, insurance, and taxes, I WILL HAVE to MOVE out of Florida. I do NOT want to, but I am being FORCED to think of it. DO SOMETHING TO HELP US!!!!!!!!!!! -------------------------------------------------------------------------------- Comments: I am a single mom whose homeowner's insurance tripled since last year. Because of this, I am having to change the school my daughter currently attends. It is very sad that I have to diminish the quality of my daughter's education in order to afford my home. Something has to change VERY soon. Otherwise, I will no longer be able to live in Florida. -------------------------------------------------------------------------------- Comments: Something must be done to tame the rising insurance costs in South Florida. If not, I'll have no choice but to sell my home and leave the area. -------------------------------------------------------------------------------- Comments: Es abusivo, que me hallan subido mi seguro un 100% y que yo no tenga ninguna opcion, "OPCION CERO", igual que en Cuba.-------------------------------------------------------------------------------- Comments: Our home owners insurance rates in Florida are way way too high. My house in Georgia is at a higher value than my Naples Fl home and the insurance cost is one fourth what my Florida home insurance costs! -------------------------------------------------------------------------------- Comments: All parts of the country have weather disasters, some even worse than hurricanes. The load should be shared by all areas. Also, I live just east of US 1 and have never had damage to my house, even in Hurricane Andrew, the strongest winds of which went right down my street. (My husband, an engineer, worked with Bob Sheets of the Weather Bureau, and attorneys, as an expert in a law case, and we had all the Weather Bureau maps in our office confirming this. Nevertheless, our insurance rates went up, and we had to go with Citizens and pay their astronomical rates. Bah, Humbug! -------------------------------------------------------------------------------- Comments: Insurance costs are a scandal, and Miami-Dade is getting unfairly hit, while many other counties in Florida aren't forced to share the burden. The situation has become unbearable financially for many homeowners, and the cracks in our local economy are beginning to show -- foreclosures, a moribund real estate market, a drop in spending, etc ... Please, right this wrong! The average homeowners' policy costs between $700 and $900 a year in the U.S. I realize that being in a hurricane zone, we should pay a premium, but $10,000+ a year is absurd and abusive. -------------------------------------------------------------------------------- Comments: I'm 24 years old and was fortunate to be able to buy a small 1 bedroom/1 bath 750 square feet condo last year due to my parents lending me the money. My monthly association maintenance payments have increased (since November 2005) from $118 initially to $222 currently. This is in addition to my monthly mortgage payment of $735. The association is budgeting $174,000 for Citizens property coverage for the coming year (from $14,500 from last year). This is in addition to my personal Citizens coverage in the amount of $414 for minimal coverage, and two special assessments I've had to pay totalling almost $500. On a starting yearly salary of $34,000, I'm struggling. I have a Masters and was born, raised, and educated in Miami, and all my family's here, but between the insurance premiums and the property taxes, we are all struggling and I think eventually we'll all have to move out. This is a crisis that needs to be resolved now. -------------------------------------------------------------------------------- Comments: The government needs to do something about insurance companies that are raising their rates or refusing to offer insurance coverage. If an insurance company offered homeowner's and now wants to stop they should not be allowed to operate in that state for any type of insurance. -------------------------------------------------------------------------------- Comments: I moved to Florida in 2002 when I retired. At the time, my reasoning was that it was more affordable to live in Florida than NYC on a fixed income. As I didn't have a crystal ball I never factored in or anticipated exponential increases in insurance costs and property taxes. -------------------------------------------------------------------------------- Comments: I am currently looking for a home to purchase. So far, my efforts have been delayed because the cost of home owners' insurance is sinfully inflated. In addition, I personally know of at least three families that have moved out of Broward County because of the ridiculously high insurance rates. Which would you prefer... alleged kickbacks from the insurance industry or ligitimately collected property and sales taxes from your constituency ?-------------------------------------------------------------------------------- Comments: South Floridians need your help!
-------------------------------------------------------------------------------- Comments: Insurers need more inspectors in the field. Homes should be inspected BEFORE being rated. Roofs that are new and up to code, hurricane proof doors and windows, shutters, trees that are trimmed and yards that are cleared of debris...these should all count towards a DISCOUNTED rate. (Some things do, but not all). Public assistance could be provided for those that needs repairs, but do not have funds. However, it is imperative that we be pro-active and not wait for the next disaster. Homeowners need to be responsible for MAINTAINING their properties. If the roof leaks, fix it. Make sure homes are up to code and can withstand a hurricane. Less claims. Less rate increases. And a bit of a break for those who choose to keep their homes maintained.
-------------------------------------------------------------------------------- Comments: Dear Honorable Marco Rubio: Please make and keep as your priority, until a fair and just conclusion is reached with regards to the condition of "property insurance issues" in the next legislative session. Who is protecting us,the homeowners who are losing our properties and/or life savings, from the insurance companies and the new state laws which demand us to protect our homes. It should not be left up to "just us" but "justice". ALL INSURANCE WHETHER IT IS HEALTH OR PROPERTY COVERAGE IS A "UNJUST" SYSTEM. IT REALLY NEEDS TO BE OVERHAULED. -------------------------------------------------------------------------------- Comments: Please fullfil the election promises and attack the problem of insurance rates on behalf of the public -------------------------------------------------------------------------------- Comments: SHAME ON ALL THE POLITICIANS THAT ALLOWED THE INSURANCE COMPANIES THESE RATE HIKES---YOU SHOULD ALL BE VOTED OUT OF OFFICE---MEANWHILE THE GOOD PEOPLE CONTINUE TO RELOCATE AND I'LL BE ONE OF THEM -------------------------------------------------------------------------------- Comments: Many homeowners in Indian River County are having to sell and are moving to TN, GA and the Carolinas. This is adding to the high property inventory available for sale and contributing to a reduction in real estate values. This in turn is contributing to foreclosures as many homeowners have no equity in their homes. An increasing number of SELLERS must now come to closing with a check! I know, I am a professional real estate agent, a Realtor. (Many potential Buyers are deciding to purchase elswhere rather than pay both the high insurance and the high taxes. Insurance is more critical as it affects EVERYONE). -------------------------------------------------------------------------------- Comments: BOTH MY WIFE SELF FEEL THAT THE CURRENT PROPERTY INSURANCE RATES, & THE PROPERTY TAXES ARE MUCH TOO RICH FOR OUR BLOOD.
-------------------------------------------------------------------------------- Comments: My insurance went up mid year 2006 from $1900 to $5500. Escrow wasn't enough so I had to come up with difference by Dec or get canceled.
-------------------------------------------------------------------------------- Comments: I am a single mom, with 3 children the increse of my homeowners Insurance is such a concern that sometimes I cant even sleep at night wondering what is going to happen to me and my children if the rates continue to rise, this is also effecting my health and I now I am not alone on this, please speek up don't be afraid we have rights. -------------------------------------------------------------------------------- Comments: Since we saw such an adbrupt increase in our rates last year, with no hurricane events this year, we should expect to see a dramatic decrease in our rates. If this does not occur, then the insurance industry should be brought to task. We suffered with the numerous hits of hurricanes, we should also get relief as quickly. -------------------------------------------------------------------------------- Comments: Stop Carpetbaggers -------------------------------------------------------------------------------- Comments: With another insurance hike of 55.8% they are going to force me and many others out of Florida. -------------------------------------------------------------------------------- Comments: We should also be dealing with the current tax issue on homes. That number is much higher than insurance and is hurting homeowners alot more. Keep up the good work!!!! -------------------------------------------------------------------------------- Comments: I need the insurance rates on my house adjusted, I cannot afford to pay over $5000 for insurance when I am getting a teacher's salary. If not then I will have to move out of Florida and there is already a teachers shortage. -------------------------------------------------------------------------------- Comments: I am 6 months away to selling my home and leaving the state of Florida. -------------------------------------------------------------------------------- Comments: The rate increases have taken my maintenance fees up over $60.00 per month. My personal homeowners went up 300%. This is outrageous. I worked in the re-industry for years, it's all a rip-off. People CANNOT afford this!! Many unit owners are going without just to pay the electric bill. This puts my unit in danger. We all need some serious investigation into the insurance industry, especially since the State is running it!! Thanks for your help and not hiding this important issue under the rug -------------------------------------------------------------------------------- Comments: With the soaring cost of hemeowners insurance and property taxes We are not sure how much longer we are going to be able to continue to reside in the state of Florida. I believe that if the state government does not put a stop to all these huge insurance increases more people like ourselves would consider moving out of the state.This issues are pushing away the backbone of this state. Thank you. -------------------------------------------------------------------------------- Comments: Save Our Homes is no longer effective if my home owners will cost me 300% more. Teachers can NOT afford to live in Florida with out of control home owners premiums. Education and quality of life in Florida are in serious trouble along with the real estate market- Please help Now ! Comments: In 1999 I MOVED OFF THE BEACH-GAVE UP MY HOMESTEAD IN FAVOR OF LOWER INSURANCE PREMIUMS. Two months after I moved-citizens moved the coastal line 7 blocks west of my new home. 5 years ago I gave up my health insurance in favor of keeping an insured roof over my head. Next year I will not be able to insure my home as a result of the increase in cost in winstorm. I have an older wooden house that came through Andrew with only loss of landscaping my neighbors tell me. Every hurricane since I have lived here has damaged my neighbors newer up to new code homes to some extent-but not mine. I have never applied to FEMA or made a claim on any insurance policy . I cannot sell my house as no company will insure this wooden home WITH A NEW OWNER. I HAVE A TWO BEDROOM HOME AND MY INSURANCE IS ALMOST $7,000. A friend of mine with a very morbid idea of humor said I could pray for a lightning strike on a day with no wind-and move. I DO NOT WISH TO GIVE UP MY HOME-BUT IF I EVER CHANGE MY MIND-I WILL NOT BE ABLE TO, AS IT IS UNSALEABLE as long as it remains UNINSURABLE. Comments: I am an insurance agent and see, first hand, what the insurance rates are doing to our florida residents. It's time something is done. Comments: Work for the people, not for special interest groups or lobbyist like you democrats and republicans always do. Comments: The insurance costs are outrageous and is effecting the lives of all homeowners. Being in real estate we see that people are selling just to get out from under these high costs. The ripple effect will be felt in a very short time. It is inconceivable that our insurance commissioner and politians would let this happen. We did remember this at voting time and will continue to remember until something is done.I know that the insurance costs are being manipulated and that is unacceptable. Comments: PLEASE I NEED HELP. LIKE THOUSANDS OF SOUTH FLORIDA RESIDENTS, I AM IN A VERY DIFFICUL SITUATION. MY TAXES WENT UP FROM $3400.00 TO $7,600.00 PLUS MY INSURANCE FROM 1800.00 TO ALMOST 4K. I CAN TAKE THIS ANYMORE. PLEASE HELP!!!!!!!!!!!!! Comments: If insurance premiums keep going up and our landlord has to keep raising our rent eventually we'll be homeless. We both work two job and it is very sad that we can barely afford our rent due to our landlord having her back against the wall due to such ridiculous insurance rates. Comments: I live in a working class neighborhood where many of us live paycheck to paycheck. The increases have already forced some of our neighbors to refinance there homes getting further into debt. We have also had some very good neighbors sell their homes and leave the state. If the prices continue to rise, I might be forced to pack up my family and leave my home, as well. The most bothersome thing about this rate hike is how can we be expected to pay more, when many of us are still waiting for our insurers to pay from a hurricane that took place over 12 months ago. Comments: Thank you for providing this assistance to us. It is definately out of control. It is not our fault that mother nature can take our properties and personal belonging in a blink of the eye. I would think that our state can provide the assistance needed in time of a disaster in would imagine that they would have control of insurance agencies to ensure us good and affordable insurance. Again thank you for your assistance. Comments: I am a top producing realtor an active in the community. At our peak last year there were up to 1500 people a day moving to FL. I believe that number has gone negative in one year. We are insuring people out of there homes, add taxes and these two combined surpass a persons mortgage and now have an average person that can maybe afford a trailer. We are losing millions of people to other states and if you don't act quick next are the businesses and then our state will be where it was ten years ago. Comments: GIVE US A BREAK> MY HOME BURNED DOWN IN 2004 AND I\"M STILL STRUGLING WITH LEXINTONG INS. FOR THEM TO FULLFILL THEIR OBLIGATIONS, CURRENT IMPOSIBLE COSTS DON\'T EVEN HOLD THE PROMESS OF A DIFFERENT ABUSSIVE BEHAIVOR FROM THE INSURANCE INDUSTRY Comments: 'CONGRATS ON HELPING SOUTH/WEST MIAMI, I HOPE YOU CAN DO THE SAME FOR OUR AREA Comments: Our homeowner's policy w/Vanguard for past 10 years has increased 300%!!!No claims within that time until WILMA OCT 2005 and we are still battling insurace company, roof still not finished and Vanguard has sent $600. for a $17,000.00 roof. Comments: 'As a Real Estate Broker with 23 years in the business, I can assure you that the cost of Homeowner's Insurance coupled with the increase in property taxes are making the difference in the slowdown of the real estate market, making it difficult for people to afford a home and those that have purchased a home and are hit with an increase of 102% from one year to the next are likely to loose it to the lender because they cannot afford to pay such increase. If something is not done about this issue soon we will be in serious trouble. Comments: If insurance premiums keep going up and our landlord has to keep raising our rent eventually we'll be homeless. We both work two job and it is very sad that we can barely afford our rent due to our landlord having her back against the wall due to such ridiculous insurance rates. Comments: 'As a single person, I find that I can know longer afford to keep my home because of the insurance. The rates are too high and I feel as thou we (the people of So. Fl.) are being the scape goats. It is so totally unfair, we go years without hurricanes and one year we get hit and then you want increase our insurance by 300%. Who can afford that? The high rates are FORCING families from there home because they can no longer afford them. This is a sad world that we live in because everything is about a dollar. Comments: 'Between the insurance and the high taxes for winter residents, many of us are planning to leave. I would hope Florida would listen to us because we bring a lot of money into Florida during season and continue to support all services throughout the year! Comments: 'Doubling the homestead exemption is not enough when home values are several multiples of what they were 15 years ago. We need to lower millage rates. Please do not use this contact information for any purpose except regarding this petition. Thank You Comments: Due to the incrediably high cost of insurance, I have been forced to sell numerous of my rental properties. I can not afford to keep them with the high cost of taxes and insurance. Something has really got to be done. Comments: 'I jsut got divorce and bought a villa 3/2. I have two children and i just can't afford to pay the insuance and the taxes. When i bought the house the insuance and taxes were lower, my salary is the same, but prices are going up. I might have to sell and rent and efficiency. I have been a homeowner since i was 21 years old. Now I', 50 and for the first time in my life i can't afford to be a homeowner. Please help. Comments: 'i rent an apartment, but when I tried 2 months to buy a house it was impossible due to the insurance prices, they are ridiculous. Comments: 'I stopped a real estate transaction to purchase a $580,000 home from 1930. The current insurance was $1100...my quote as teh new owner was $5500 Comments: 'Our homeowners policy went from approx. $2400 in 2000 to $4600 last year to $9500.42 this coming year!!!!!!!!! I heard on the news the other day that the insurance industry had a bad year, but still managed to profit by $46 Million. How can this be? Comments: $25,000 HOMESTEAD IS A JOKE NOW A DAYS, HOW LONG WAS THAT INTRODUCED, WHAT WERE THE PRICE OF THE HOMES THEN? RETIRED CANNOT AFFORD TO KEEP THEIR HOMES WITH INSURANCE, WHAT'S GOING TO HAPPEN? HOW IS THIS HAPPENING IN THE U.S.A? AND LET'S NOT TALK ABOUT MEDICAL INSURANCE. THE WHOLE THING IS VERY SAD, HOPE YOU CAN UNDERSTAND AND RELATE TO THE PROBLEMS WE ARE HAVING. THANK YOU. Comments: I understand raising the rates when we get bombarded with hurricanes, why don\'t we get an adjustment when we don\'t get hit at all? 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