How is this legal!!!!!!!!!!!!!!!!! I was issued a home owners policy last October, our premium was 1536, which I thought was expensive as hell, but was told WELCOME TO FLORIDA..Fine we accepted that. Fast Forward to Friday 11/1, we get a nasty gram from mortgage company, Mortgage has went up 145 a month... WTF We call Mrtg Co, they say there was a 660 increase in home owners insurance and our escrow acct was now short, they also told us that we need to maintain a 550 so-called buffer in the account. I call Ins Company, and ask them why the increase, and why no notification to ME... You'll love this: After further review, it was determined that 1. Im in the hurricane zone, 2.Our home is classified as a stick build, they originally thought ours was a brick home. So now its back to the drawing board with calling insurance companies....sigh