"Problems associated with Chinese-made drywall are all over the news, and now I am reading that companies may not insure homes if the owners don't repair the drywall damage. Isn't that what insurance is for -- to take care of these type of problems?"

We had sinkhole damage and, thankfully, had the proper insurance to cover the repairs. So, now I'm thinking of dropping optional sinkhole coverage since the damage has been done and it's unlikely to reoccur.

One person's inducement is another's incentive. Terminology aside, the motivation behind the rush of home mitigation inspections is twofold: To assess a home's vulnerability to hurricane damage, and to earn insurance discounts.

A common misconception among policyholders is that home repairs should equate to reductions in loss exposure. Insurers have an opportunity to help customers differentiate between home repairs and structural improvements.

"Doesn't anyone realize that the reason there are so many foreclosures in Florida is the cost of hurricane insurance? Pretty soon there will be no one to insure, and then what will insurance