It takes several years before we can begin to feel the effects of a single storm. We won’t feel the effects of Hurricane Ian (2022) until about 2025. The reason being is because it will take that long to get through and settle. Any Hurricane claim filed is considered an “Act of God” and not surcharged by carriers. A natural disaster or “Act of God” ultimately means the carrier will need to raise the rates of all insured’s. The bigger the disaster, the bigger the increase in premium.