I live in Miami, Florida and I suffered major damages to my home after Hurricane Wilma back in 2005. My home insurance company refused to entitle me to any money because my deductible was 'too high' and it was supposed to cover the repairs. I have fixed the important things, which the costs have surpassed my deductible by thousands of dollars.

I'm currently working on a settlement with my insurance company, almost five times the amount of my deductible!