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Where we live, as far as weather goes, the most likely major damage would come from wind damage. A few years ago my Dad received a notice from his home insurance company saying they were adding a huge deductible to all wind related damage and limiting the amount they would pay. Dad contacted them and told them if they didn't cover wind damage as they always had he was switching insurance. The company dropped the changes and kept Dads policy as it had always been.

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