Posted On: January 9, 2007, 8:55 am CST

Posted By: Chad Balaamaba

Peyton, you seem to have allot of hatred built up in you for someone who claims we are the haters. I hate none of you; I hate to see the storms and disasters that strike the coasts. But to pretend your premium is to be based on shared risk with NY, KS, and others seems kind of self serving. Yes, carriers have reserves from the states they do business in, but why wouldn't you expect them to base your premium on the RISK they expect with your property. Please examine Florida, a large, low lying peninsula; much of it swamp. Please examine New Orleans, much of it under sea level...These are high risk areas. When destruction hits, it's not limited to a thunderstorm, or a tornado, but it gets measured in the billions. To pretend that is a one year, 'surprise' event is naive. I recommend Prozac and rest.