re: State Farm hurricane deductible jumps to 5%

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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

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mehh...

There are numerous consumer protections that make this statement a little BS. 1) state actuaries help with and approve rates. 2) they are in a legal nightmare if they take longer than 30 days to adjust and the policy pays additional costs to prevent further damage to your home 3) They can't just "jack up rates", again the state actuary comes into play. Rates certainly differ from carrier to carrier, but there is a bottom and a top. they can adjust their rates within that zone and cannot go higher without dept of ins approval (or they can leave the state)