I have never made a claim and for the past 7 years, I have paid more and more for my house payment because my insurance continues to rise. Wilmington has not had a hurricane hit in years but the places that are not being affected have had bad weather and major claims. I guess since we are already struggling, the sorry insurance commissioner that got voted in is thanking those who voted for him by getting himself a raise. I saw a post somewhere else that mentioned Katrina and Rita being the reasons, but obviously they did not know what they were talking about because those never affected NC.