A growing number of homeowners nationwide are being dropped by insurance companies as firms and regulators struggle to deal with the unpredictable and costly risks of climate disasters.Nonrenewal notices surged by nearly 30 percent from 2018 to 2022 to more than 620,000 a year, according to a Treasury report released Thursday that examined 246 million policies nationwide.

I own a duplex in Clermont, FL just outside of Orlando and initially wanted to split water meters between the two units, but the cost and amount of work were higher than expected.

Opex has been a huge hit to most property owners in all shapes and forms, myself included, but to know to keep your back wide enough to cover your own you'll be able to navigate these waters just fine. 

You spoke of the risk via the county etc but what about the risk of the market dropping during your hold? 

That means new roof, HVAC, water heater, landscaping, painting, upkeep and so on.

I live in California and they are looking for any way they can drop your insurance. 

Add coconut water or ice tea with the bottled water.

If they pay for the water there is a good chance they will turn it off.

I point them to the local watersports rental company that drops boats and ski's right at the local marina.

If your average heating bill is $150, you may not collect enough in the winter months when the bill reaches $225 but you'll collect extra in the summer when it drops to $65.