Where did the money go? Katrina? Rita? Ike? The immense fires in the Western states? The central state floods? Heard about any of them? Do you think that State Farm, Allstate , Nationwide and the rest of them each have fifty pots of money that they never mingle? The insurance companies are hurting from the high number of major disasters. They need to replenish their reserves, or you may find a major insurance company declaring bankruptcy when the next big disaster hits. When we do face the next major storm, I don't want to be one of the folks told, "Sorry - we're broke." Rates are going up across the entire country, and those facing the greatest risks are paying the highest premiums....exactly as it SHOULD be.