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Home values had dropped, which means cheaper rates accordingly. That's why the rates are wanting to be raised by insurance companies, so to make up for their lost revenue. Simple math...and homeowners aren't dealing with WalMart on this one either.
Rates will go up...count on it. It didn't take a recent tropical storm to raise Wind and Hail in NC...but in other parts of the country (Sandy), so insurance companies play grab bag on storm hit areas from over the years. Looks better on paper...risk or not.

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