Property/casualty insurers are defending their efforts to raise homeowners rates in coastal states, saying higher rates are necessary to reflect the vulnerability to storms and the greater concentration of risk. "After a state goes through a period of time without experiencing a major hurricane, we tend to hear from property owners that the cost of insurance is too high," said Robert Hartwig of the Insurance Information Institute. "... If the experts are to be believed, there is likely to be more violent weather, not less" in the coming years.

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