Homeowner's insurance in coastal communities I believe the latest homeowner's insurance rate increase is not only unfair but misdirected. There are property owner's that take great care locate in areas that have little or no storm activity that lead to claims even near the coast. I personally built a house that is hurricane ready. We added storm proof windows. The codes require tie down supports from foundation to roof beams. The codes also require 30 year Architectural shingles. I purchased window shudders and class door covers. In 1999 we stayed in our house during Hurricane Floyd. We had extra supplies and a generator. We had no claim. We are a retired couple on a fixed income. We live 1 mile from the intercoastal waterway. Two years ago my homeowner's insurance almost doubled. Last year it held steady. Now we face a 30% increase, still no claims. Undoubtedly the coastal areas are susceptible to storm activity realistically in August & September. In colder areas and locations near rivers they are more susceptible to fires and flood claims and for more than a couple of months. Now we near the coast are to be the scapegoats while some in other areas will enjoy a decrease in their premiums. Why aren't residents with no claim histories eligible for a decrease. I believe it is very easy for insurance companies to pile on high profile coastal communities that sometimes have storms for a couple of months of the year. If some residents in other communities are receiving a decrease in premiums because of no claims, I want someone to explain to me why I am not eligible for one. Sincerely, Walter A. Carolus 1674 Anita Ct. SW Ocean Isle Beach, N.C. 28469 910-754-4105