Like, a hailstorm two years ago can still be impacting rates now.
Honestly, you nailed it with “insurance is a pool.” People always want to know why their rates jump when they’ve never filed a claim, but if your zip code is getting hammered by floods or car break-ins, it’s like splitting the bill at dinner when your friend orders lobster. Not fair, but that’s how the math shakes out. I’ve seen folks move just a couple blocks and save hundreds a year—wild how much those invisible lines matter. And yeah, those old storms? Still haunting the spreadsheets...
People always want to know why their rates jump when they’ve never filed a claim, but if your zip code is getting hammered by floods or car break-ins, it’s like splitting the bill at dinner when your friend orders lobster.
That dinner analogy hits home. I had a client in Meyerland who was baffled after her renewal shot up, even though she’d never had a claim. Turns out, her neighbor’s house flooded (again), and suddenly the whole block’s rates jumped. It’s wild how much those “invisible lines” matter—sometimes just crossing the street changes everything. Makes you wonder who draws these boundaries and why they stick for so long...