By Mark Williams, Columbus Dispatch, Jan. 16, 2012
Read Dispatch article here

Last year’s catastrophic tornadoes, floods and hurricanes probably mean that the cost of insuring your home will continue to climb.

The cost of homeowner policies had been rising even before a rash of deadly storms in 2011 led to insured losses that were about double the already-high level of 2010, according to industry figures.

Although insurers are prohibited from increasing rates to recoup losses from past storms, the losses they suffered in the past several years can be factored into projections of expected future losses that are used to set rates. Read more