My sons dish washer broke down, and caused some floor damage.For years he never filed a claim, and then found out the old 500 buck deductible also went extinct. One reason, the recent cost of the storms over the past 3 years have made the insurers raise everyones premiums. WHY do they let developers re build on questionable locations? Sure those individuals pay steep premiums, but they also make everyone of bare some of the cost.