 Michigan used to be considered a milder state. We were kind of a hedge for the national carriers against maybe the activities you saw in Florida. Well, now we're having more windstorms, more hail damage, and so we've become a state. We don't maybe compare to some of the southern states with the real severe weather, but we're not as mild as we used to be, and all of that is playing into it. Inflation is also another factor in those higher insurance rates, she says, as the price of building materials has skyrocketed.