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Message: [QUOTE="miamicuse, post: 4375007, member: 7237"] My insurance carrier went out of business this year. In Florida typically "home" insurances have three pieces - homeowners, windstorm and flood, you buy them separately. Homeowners insurance deals with theft, fire, vandals and everything not storm related. Windstorm insurance is for wind and rain damages like when a window is blown out and your rug gets wet from the wind driven rain. Flood is for rising water. So if a priceless rug is ruined from water, you file a claim to your windstorm insurance carrier if rain landed on it, but if there is a storm surge and that rug is damaged from rising water, it's flood insurance instead. So many of us have to buy all three insurances unless you are out of the flood zones then you can skip the flood. It is not unusual for the insurances to be more than the mortgage itself. With this storm, I expect next year's premium to skyrocket for everyone in the state. [/QUOTE]