Hi Carol ... just a quick suggestion that you may want to consider when insuring property (business or personal). You are correct that adding windstorm and hail coverage can get pricey, but you can select higher deductibles to protect you in case of catastrophic damage. Besides hurricanes, Florida also has a fair number of tornadoes each year that would require the peril of windstorm on the policy. I actually just retired after 37 years in the insurance industry so I naturally take an interest in articles like the one you posted. Nope, I didn't sell insurance but I wrote policy language and worked with an actuarial staff so I had to stay on top of this stuff! Just a thought.