In '96, I was working some for a small mutual ins. company that writes only in NC when this little breeze came through: http://www.wral.com/weather/hurricanes/page/8029058/ We had one claim where the owner had listed "everything" lost/damaged/destroyed. The question in the office was... "How do you depreciate a box of crayons?"...and I'm serious about that.
Your policy is a "contract" that has its terms and conditions spelled out...nothing more or less. If the "strong arm thugs" could know in advance how much $$$$ would be needed each year to pay losses, life would be much simpler for policy holders as well as the company.
As far as rate increases...MY rates went up after that event and I live far away from storm area.
I'm truly sorry to hear that you folks had wind losses...but won't you consider, please, cutting the "damned bunch of strong-arm thugs" a bit of slack? You could/would be in much worse shape without the insurance company.
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