Another article by Julie Patel on Home Insurance and all of it’s issues. She is correct w/ her number’s, but other claims like Water, Mold and Sinkhole have been the real killer’s over the last 3  years. The companies are still  struggling to survive even w/ the inflated Hurricane risk premiums because they under estimated the other claims being so bad and bad they really are. Our insurance industry is and has been a mess and a  new regime is trying to do what they think is correct, but this will also fail and many people will not be able to afford the new Insurance rates they will get in 2011 and 2012. Please read the entire article and if you neeed quotes, please contact as at L & S Insurance to help you shop out the best rates available in Florida for Home, Auto, Flood, Life Insurance and bussiness and commercial policies.