Will premiums ever actually go down or are we just accepting that they’ll keep climbing every year no matter what? The way things are trending it feels like the industry can’t sustain this long term and I’m wondering if anyone sees a real path to reversing these increases or if this is just the new normal.

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New normal. I never see anything decreasing long term

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Legislation, insurance commissioner change and case law.

Carriers can't keep paying for an entire roof because of one little ding on a roof or one missing shingle. Make all hail /wind claims ACV but that requires the insurance commissioner to approve the endorsement

Stop the PAs, mitigation vendors and others from turning a minor pinhole leak into gutting an entire house.

Carriers need to have some balls to let adjusters deny claims that are frivolous.

These things might level the rates but they will never go down

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Increase the risk pool.

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I see deductibles also going up.

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