Oh also I forgot...she said policies have different deductibles for homes in coastal areas versus inland homes...another words your deductible could be 10 percent of the appraised value versus a 500 or 1000 dollar deductible on non-coastal homes...meaning if your house is considered coastal and its appraised at 400,000 dollars, you have a 40,000 deductable out of pocket before they ever pay a cent....how about those cookies?
and you can bet dollars to door-knobs what was considered coastal 20 years ago will change...
So if I were you, ya know how you get those little udates that read ammendment to your credit card notices/ dont be surprized to get some from your insurance companies....