Before you bash the gentleman for not having a lower deductible. The
deductible for wind or hurricane used to be $500 on homeowners policies
here in Florida.

New law went into effect in 2004. no matter what you chose for a
deductible say $200 to $1000 or more for any other damage. The new law
staes on every policy written in Florida. Deductible for wind or
hurricane damage is 2% of the value of your house. 200K assessed value
$4000 deductible.

You really can't change insurance companies here for homeowners ins.
Companies are not writng new policies in Florida. Then you have to go
with the state run Insurance company. They have just raised their
premiums between 45 and 95%. And a lot of insurance companies like
State Farm and All State and other companies have dropped peoples
policies. Over 40K policies have been dropped in this state. and you
don't have to live on the coastal regions for this to happen.

PJ