Any opportunity/excuse to raise the premium. (Real or imagined.)
Sandy did a ton of damage across a bunch of states and because the insurance companies are nationwide, you are correct. Rate Hikes Coming.
In Florida, insurance companies are using lots of excuses to raise and cancel folks. Insurance companies send out peeps to evaluate and take pictures of real property. Better not have a old looking roof, crack in the block or paint peeling. They will cancel you in a NJ minute. LOL..
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1996 -19' NV Flats 115 Mercury 4-stroke
1983 -20' Wellcraft Center Console 250 XS
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