Insurance companies have already been caught with their pants down, and they bailed out of florida, after hurricane Charlie in 2006, Allstate was the culprit, you go through central florida neighborhoods and to this day and you still see abonded homes and tattered blue tarps.. What adjustment of rates? I have a clause, I have a 500 deductible, BUT if a named storm causes the damage, it escalates to 4000.00. Funny, you see the weather channel now naming winter storms, all for the Insurance Companies.