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    Ian just exploded.

    We don't pay anything like $20k. More like $5k, but that's after all the hurricane mitigation discounts are applied. Ironically, even though we qualify for more, they will only discount your insurance a certain percent., and we have that maxed out. We also have FEMA flood insurance, which we...
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    Ian just exploded.

    My insurance is also through USAA. They apparently have different underwriters depending on where you live.
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    Ian just exploded.

    Certainly insurance companies encourage hip roofs. It's not just the roof configuration in FL, however: it's the building codes that were in effect when the house and/or roof was built. The intact houses or roofs in the pictures were probably built within the last 20 years, during which time FL...

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