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Edited: 03/12/2021 at 06:11 AM by SurferMic

Yes - the more hurricane proof a house is the better. My neighbors in new builds are only paying 1k+ year. Every covering has to be impact including doors. In the process now but thankfully I now have an extra 6k to pump into the local economy.

My quotes so far are 44k for everything (over 20 windows and 3 doors), 37k for Big Bertha windows (no doors). Waiting on others. It's not cheap but there is a tax credit + yearly insurance savings + added value makes it a wash.


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QOP = Terrorists
FK = Gay

My house is block from the late 50's with a tongue and groove roof and it's strapped like a mofo. The people that built my neighborhood were from up north and used snow bearing specifications. One inspector told me we could flip it over and use it for a boat. I have a 25 year roof with stainless hardware that is five years old. None of that matters in the final insurance cost.

They look at the age and they jack you through the roof.

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I was right.

This is my job and I deal with the renewal costs rising every day. There is literally like three companies that will write homeowners insurance beachside in Brevard right now. If you are paying under $5k a year consider yourself lucky. From what I have seen Universal has been the most lenient with the jacked up renewal prices. Frontline on the other hand I've seen some rates go up over 50%. The entire thing is a mess.. Now the insurance companies are going after the agencies cutting the commission structure down as well. I see a lot of foreclosures in the future if something does not change. A friend of mine has Fl Peninsula and he just went from $3k a year to $4,900. He just bought a new car and that increase is about the same money as the car loan, now he's strapped.

SurferMic: I'm pretty sure I know you and where you live. We used to walk our son through your neighborhood and have stopped out front and chatted with you & the wifey a few times. I have no clue how you managed to get Southern Oak to insure beachside at that rate. Southern Oaks niche is brand new homes in the Viera area. Don't ever let that policy go!

Edit: For anyone that does have Citizens ... RUN, they are horrible.

Edited: 03/12/2021 at 06:05 AM by TATTOO74