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Insurance Rates

I'm sure you'll correct me if I'm wrong, but I believe we aren't just talking about the wind & storm policy here. This increase affects your regular homeowners' insurance as well. Why should that increase more for us? I haven't researched this topic that much so I could be completely wrong. I get your reasoning regarding the storms, but wind damage isn't covered under conventional homeowners' insurance policies. So why the giant increase there?

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