how quick the uninformed are to leap.
Most companies place the wind through the "Wind Pool" which eliminates that cause of loss, from the standard policy when a hurricane hits.
Flood is excluded and must be purchased seperately -- most often through the National Flood Plan.
More dollar damage was sustained in areas west of Route 17, all the way to Raleigh, than at the beach during Hurricane Fran and Bertha. Floyd caused more damage in Goldsboro, Tarboro, and Rocky Mount than it did at the coast.
So much for any facts in your message.
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