In '96, I was working some for a small mutual ins. company that writes only in NC when this little breeze came through: http://www.wral.com/weather/hurricanes/page/8029058/ We had one claim where the owner had listed "everything" lost/damaged/destroyed. The question in the office was... "How do you depreciate a box of crayons?"...and I'm serious about that.
Your policy is a "contract" that has its terms and conditions spelled out...nothing more or less. If the "strong arm thugs" could know in advance how much $$$$ would be needed each year to pay losses, life would be much simpler for policy holders as well as the company.
As far as rate increases...MY rates went up after that event and I live far away from storm area.
I'm truly sorry to hear that you folks had wind losses...but won't you consider, please, cutting the "damned bunch of strong-arm thugs" a bit of slack? You could/would be in much worse shape without the insurance company.
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Today's Featured Article - The Nuts and Bolts of Fasteners - Part 2 - by Curtis Von Fange. In our previous article we discussed capscrews, bolts, and nuts along with their relative hardness and thread sizes. In this segment we will finish up on our fasteners and then work with ways to keep them from loosening up in the field. Capscrews, bolts and nuts are not the only means of holding two parts together. When dealing with thinner metals like sheet tin, a long bolt and
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