May I respectfully ask if any of the insurance companies doing business on this islands golden brick road
gives any thing substantially back to the community with respect to housing or anything other for that matter, when they offer strict term insurance subject to time and date or to date and timee without accountability for profit subject to their conditions contained in their small print .

Third party insurance subject to conditions of blame cover for the un insured .
Comprehensive insurance is paying for what we do not need or require.

May I asked way back two months ago , why we received two separate reminder notices 30 days apart prior to the payment due date that our premiun would be increased by 10 % on a depreciated commody, with no additional risk cover offered, I guess that the Genie of the Lamp is forcasting gloom and doom or are they promoting or advancing the tirony of inflation.

Kind of putting butter on both sides of the bread .

I doubt if price increases due to inflation affects the value or risk replacement cost being usualy unknown.
why are measurements taken on buildings to establish demolition and or replacement costs.
no body insures the unknown .

Exceptions are real estate which increase in value or replacement cost but only in an afflent community.

Yet the insurers say thay they are not valuers until payment is made subject to a sizable deductible
is forfeited to satisfy nuisance clames. then they become valuers .