HO insurance is probably going to be harder to get and more expensive. We'll all have to pay something extra to cover the storms, HO insurers have taken a hard hit and it wasn't a big money maker to begin with. Sandy is the third most expensive cat behind Andrew and Katrina now, something in excess of $20 Billion. I'd advise against being too cavalier about blowing off your current insurer, you might not be able to get coverage at all at some point.
Also, if you want to see how regulation and storm (and sinkhole and lightening) prone markets can really get messed up, look at Florida. No company can be forced to lose money for too long.
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Today's Featured Article - The Nuts and Bolts of Fasteners - Part 2 - by Curtis Von Fange. In our previous article we discussed capscrews, bolts, and nuts along with their relative hardness and thread sizes. In this segment we will finish up on our fasteners and then work with ways to keep them from loosening up in the field. Capscrews, bolts and nuts are not the only means of holding two parts together. When dealing with thinner metals like sheet tin, a long bolt and
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