![]() ![]() See how walls, stairways, and doors affect your wireless network coverage.Īll Wi-Fi must share channels with other networks in the environment. InSSIDer for Home helps you measure the signal strength and estimate the performance of your Wi-Fi in various locations. You can download the latest version here which is also free. This is a legacy version of inSSIDer, most importantly it's the last Windows build that didn't require signing up an account to use the program. Rodriguez's townhome also has a flat roof, which she acknowledged insurers were wary of because such structures are more likely to leak.This Wi-Fi network discovery tool displays every wireless hotspot's MAC address, encryption, signal strength and channel, and is the standard troubleshooting tool for millions of Wi-Fi users throughout the world. Her townhome hasn't been damaged by extreme weather, though other properties and businesses across Broward County have suffered losses this year from heavy rainfall and flooding, as well as from Hurricane Ian last year. Three quotes she did receive were between about $3,800 and $5,700 annually - more than Rodriguez wanted to pay. Several didn't cover any properties in Broward County, where Rodriguez lives, while others said her property didn't meet their guidelines for what they insured. She even kept a spreadsheet to track her various attempts to find coverage. She went hunting for a new insurer but was denied by at least a dozen private companies. ![]() Then, this year, the company dropped her policy with no explanation, she said. Rodriguez, an insurance attorney, said she had no choice but to work with an unapproved company. But homeowners who buy these policies are protected if they file a claim and then their insurer goes under, getting reimbursed by a state-backed agency. Rodriguez said approved companies in the state either wouldn't provide a quote for her property or would charge what she saw as exorbitant premiums.Īpproved companies have to abide by Florida regulations regarding what they can charge and the risks they can cover, so the policies typically cost more. She's one of many homeowners who for years have bought policies from companies that aren't approved by Florida's insurance regulators. ![]() Between 20, her annual property-insurance costs rose from about $1,400 to nearly $2,200, according to documents shared with Insider. Madelyn Rodriguez bought a townhouse 10 miles west of Fort Lauderdale, Florida, nearly a decade ago. A dozen denials and unreturned phone calls The Insurance Information Institute said the main cause was high levels of litigation that saddle Florida insurers with legal costs, combined with billions of dollars in losses from Hurricane Ian and other storms in recent years. Meanwhile, in Florida, some two dozen private companies have declared insolvency, stopped issuing policies, or withdrawn from the state since February 2022. Allstate announced in June that it had already made a similar move. In May, State Farm announced it would stop accepting new applications from home and business owners in California, citing the growing risks of natural disasters, a historic increase in construction costs, and a challenging reinsurance market. Those limits are partly why some companies have left the state. Insurers buy reinsurance to transfer some of their risk and increase capital to sell more coverage. Companies can't price policies based on climate risks or pass along the cost of reinsurance to customers. That's been stagnant because of strict state regulations on what insurance companies can charge. The trade group forecast that the state's property-insurance rates could surge by 40% or more this year.Ĭalifornia, by contrast, has among the lowest costs in the country, at an average of $1,300. Florida residents pay much more: $6,000 a year on average, doubling over the past three years. Homeowners insurance is becoming more expensive nationwide, with the average premium jumping 11% this year to $1,700, according to the Insurance Information Institute. Surging policy costs and coverage deserts in already pricey markets mean insurers could become gatekeepers determining where people find it possible to live. More frequent and destructive wildfires, hurricanes, and flooding are pushing up the price of property insurance in high-risk states such as California and Florida some companies are pulling out of these markets altogether. Nick's dilemma illustrates how the climate crisis is touching even the most mundane aspects of owning a home. Now, however, his home was gone, and he was out $100,000. Previous fires hadn't come close to his neighborhood, nor were they as fast or powerful as the McKinney destruction. He had always thought the cabin might be fine. Account icon An icon in the shape of a person's head and shoulders. ![]()
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