In Florida (I live in Boynton Beach) they are only interested if the
house
was built after 1994. That's the year the new hurricane codes kicked in
such
as hurricane shutters, roof straps, etc. What insurance company are you
with?

I'm currently (until next month) with a company called ASI, which was
written thru Florida Chartered Ins Group Inc, but they're "limiting
their catastrophe coverage" so I've been shopping around.

I was paying $475 a yr with a regular deductible of $500 and the
hurricane deductible was also $500. So far I've got quotes from $1200
to $724 a yr all with $1000 deductibles and a 2% hurricane deductible.

Yesterday I received a letter from Fl Chartered Ins Group Inc offering
me insurance from a company called St. Johns.

The premium will be $640, with deductibles of $1000 and 2% . This is
the company that has my house listed as being built in '93.

Considering all of the other quotes that I've got so far, I'm pretty
sure I'm going with them. That's why I was wondering about the yr that
was listed. But, what you say about the building codes makes perfect
sense, so apparently it won't make any difference.

I'm in Orlando and the only houses that were damaged in my area in
2004, were from big oak trees falling over and that wasn't many. The
hurricanes that came thru my area were down to a Cat 1 by time they got
here.

Still, these friggin insurance companies are either puling out from
this area, aren't writing new policies, or as seen above, charging ppl
out the ass for coverage.

They make money for YRS and then when they have a couple of bad ones,
it's goodbye. Even in an area that didn't have that much damage.

I own 3 cars of which only 1 was in the garage and they didn't even get
any damage!

You're lucky you are not in what is considered the hurricane zone. Many
people here have a $10000 deductible on their hurricane insurance (yes I
said 10K). Up till last hurricane season Central Florida got away with
fairly cheap rates but now the insurance companies are going bananas looking
to see who and how many more they can screw. Citizens Insurance, which is
the insurer of last resort if you can't get insurance elsewhere charges in
the mid 2000's for hurricane insurance with a 5% of your homes value for a
deductible. If your house is worth 300K, your deductible is 15000. Plus,
Citizen paid out too much money last year so Jeb Bush, in his mercy for the
wealthy has authorized all the insurance companies to add a 10 percent
surcharge to help Citizen out of their financial woes. Yeah, right. These
insurance companies priced me right out of Florida and I have my house up
for sale now.