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A big driver behind rising insurance rates isn’t just weather, it’s what’s happening after the storm. We’re seeing widespread contractor-driven claim inflation. Not every contractor is the problem, but enough are inflating repair bills, pushing unnecessary roof replacements, and coaching homeowners into exaggerated claims. Those costs don’t disappear. They get baked into the system and passed along to everyone, including homeowners who never file a claim. At the same time, reinsurance costs, the
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