Thanks, everybody. I get that Texas carriers have been hit hard in recent years, so some things have to change. But the reason I went with this carrier to begin with was because they didn't impose a % deductible for wind/hail, like all other carriers I checked. At the time I knew I couldn't handle a $2k hit if there was a storm. Then, sure enough, in '08 we had a massive hail storm & I had to replace the roof. This carrier (ok, it's Farm Bureau) handled the claim expediently & professionally. And because I had a flat deductible, I could afford to have the work done by a reputable roofing company. My neighbor actually had been laid off just before this, and started doing roofing as a result of this storm. He was "working with" people with higher deductibles, which you and I know means he was lying to insurance companies about what he was charging. I wasn't willing to do that. And I've been willing to pay a little more in premiums at times because of this experience. I do get it, though, that in order to be sort of competitive, FB might have to make some adjustments. It's just not ringing true for me that all carriers are going to a % deductible on all perils, not just wind/hail. However, I'm also reluctant to change because within the year before the hailstorm I'd had 3 auto claims and a personal property theft claim. The storm brought another auto claim and the roof claim. I've heard plenty of stories about carriers canceling an insured for far less, and I was sure they would cancel me! But they didn't even change my rates (although I lost my claims-free discount)! So, I feel they've earned my loyalty, but I still might check around a bit.