\- I was making a general statement of HOI industry...high risk pool HOI is simple extorting MORE money as you have no other option and homes like this become unsellable or at a steep discount. The problem will only grow worse as climate change drives bigger and badder weather event and HOI providers respond in kind with escalating rates, non-renewals and cancellations...many will stop all offerings as we have seen for years in Florida, California and a growing trend in Gulfcoast states for all the obvious reasons. High risk pools are what they are....whether HOI or auto insurance. Choice becomes never own a house in risk area...and we see housing markets being impacted now. especially in Florida and other areas.