re: State Farm hurricane deductible jumps to 5%

I was in insurance for a long time with an independent agent and gladly left. You can get lower deductibles with shitty independent companies (that are not rate adequate, don't have the resources to handle a hurricane or any large-scale claim situation, and will eventually jack your rates up and tack on a wind deductible, or drop you and pull out of the state) or a 2/3% WIND/HAIL deductible with companies like Safeco, USAA, or Liberty Mutual, but, then you are susceptible to the higher deductible 365 days a year, every time the wind blows.

Baton Rouge area rarely gets hurricane damage, but we get a ton of wind and hail. It's a gamble.

I hate the insurance industry on LA.