Albie- I am with you on the treatment of us Floridians. I am currently refinancing my home in Destin. It has been a clown show from the beginning. They still have the best rates but the quality of personnel handling the business seems to have been in a steady decline. As they continue to expand their service they seemingly are becoming just like every insurance company out there. Maybe somebody should email them their original business model--quality/affordable insurance for a low risk segment of society