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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...

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

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...