Despite 3 good years w/ no Hurricanes 50% of all Florida based Home Insurance companies are loosing Money. Mitigation Inspections have lowered  prices so far that it is tough to make money, just ask State Farm. Even if you hate Insurance companies, every business has to try and make money. These Insurnce companies are not the Insurance Giants like State Farm and Allstate that have billions, but will not put it in Florida to help us. These Florida based companies give the best service they can in an unfriendly environment.  Hurricane season is fast approaching and the Insurance companies doing business in Florida  may not have the capacity to help as re-insurance is still a big problem. Please research well and be sure to shop w/ an agency that can truly help w/ several quotes not just Citizens or 1 company. Please read the entire arytilce below;