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 On the appreciate side, thanks to a outcropping of the lower premiums, Floridians will this day obtain to catching on a greater share of the risk if a catastrophic coincidence hits the state. For paradigm, the modernistic legislation allows policyholders to omit windstorm coverage consequence exchange for a lower premium. Prone though substantial ' s allowed, I will caution my policyholders to image unquestionable carefully before excluding coverage for hurricanes and tornadoes, two of Florida ' s most devastating weather events. Mortgage companies and bankers acquiesce - most will not let on their borrowers to exercise this option. I am letting my customers recognize that this is not a calculated risk - palpable ' s a adventurous choice that could obtain devastating consequences.