I am assuming here in Texas, the insurance company is attempting to deflect wind and hail damage to the roof.  

If a brain surgeon gave me a ride to the hospital he can not charge rates demanded for brain surgery, they need to be in line with what an ambulance might charge.

It's an inverse pump & dump...fear news, price drop, HF acquire more at a better entry price.I can't speak for appreciation seekers but as Tevis Verrett mentioned, income producing property is a solid hedge.Meanwhile, we'll ride the wave.

Just used it yesterday to get a broken mower head out of the riding lawnmower.Mostly, my tenants take all their stuff and anything of mine they can pry up.

Hang on, this will be a wild ride!

I see kids riding around in Lambo's and it makes me HUNGRY($$$).  

We're not haggling for the price of a t-shirt or a cab ride where someone can ask $50 and you counter with $25.

For a new investor that just wants to get some skin in the game with an SFR, riding out a recession where they have to feed the investment for a while isn't too problematic.

It also had a mile of 11 Inch/gage track run around the property for the model train fan owner and his guests to ride around on.

In addition to what John said about deductibles, watch out for separate deductibles for different perils, higher wind and hail deductibles are common now in the Midwest, really try to avoid a percentage deductible if possible vs a flat dollar amount.