Insurance renewal

[KlausW]

Thanks for your the link/comments, Joe and Chris (O'B) - those hail storms don't really reach damaging proportions at our elevation (Bar-K: I never measured hail stones over 0.5" diameter up here), but on the plains, while wildfires are much more common in the lower foothills than higher up.  Same with flash floods and serious tornadoes.  The only increased risk I can think of up here is from snow and wind storms, perhaps also lightning strikes, but all kind of peanuts compared to those other events.  As mentioned before, insurance (and re-insurance) companies have had big losses by the Marshall fire in particular as well as a few big hail storms near Denver and now they are trying to recover by hitting everybody with higher rates.  And that is just based on Front Range events, ignoring national trends.  What can one do?  Perhaps it's time for a smaller-scale COOP/non-profit type insurance model that would reflect actual local risk?