There isn't a more legal way to steal money from people than those that provide homeowners insurance...especially on the coast...especially on an island. They write their own ticket and you have very few choices. The insurance commission is an absolutely worthless organization to include the commissioner himself.

Somebody has to pay for the view...

Better yet, when a storm does finally come, they will squirm, wiggle and bring out the fine print about what "is not" covered. They will take your money...year after year, but when needed...they SUCK!

I don't see much of a difference between them and the mob...except our government agencies allow it to happen.