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homeowners insurance

I live in Morehead City. I have been insured by State Farm for home and auto for over 30 years. I have had two claims in the past due to hurricane damage. In both cases, pine trees broke at about 25 feet from the ground and fell on the home. I was at home in both cases and prevented some worse damage by controlling water entry to the home. On Friday 23 May 2008, I received a letter from State Farm. To summarize, my rate is going up 33% (equals about $600 on my policy), my deductible is going up to $1500, and I have a hurricane deductible of 2% of my insured home coverage amount (equals about $5800). These terms exceed the standard rates set by the NC Rate Bureau. I therefore must sign a paper, a rating plan form, agreeing to the terms, send in the signed form by 20 June 2008, and pay the new rate later this year, or State Farm says that I will be dropped. I have not had an opportunity to speak to my agent yet about this to see if some relief may be available.

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