If   a  Hurricane hits this season like Earl heading toward the Carolina’s and worse if 1 storm hit’s Florida, the cost of Insurance will be on the rise even more. The Florida based home Insurance companies buy their protection from these reinsurer’s and if they raise premiums then so will every company as they pass that cost along. I hear dozen’s of people complain every day about the cost of Insurance here in S. Florida in the last 6 months. Here are the real facts, most of the cost is reinsurance. Only the Sate of Florida, our Governor, Insurance Commissioner and the Florida Legislators can solve this problem and they do not seem to know how and/or agree about it. Thank god we will have a new Governor and Insurance commissioner soon, but we will see what happen’s. Please read the entire article on reinsurance.