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Experts say last year's losses help to create a ‘perfect storm' for premium increases.

People will ask us why we're going down. i'm heading down, but we do go down with a lot of precaution as you know. part of that is that we're really trying to inform people about decisions they should make and understandably people say you always say it's going to be the worst thing in the world and then it doesn't always happen to be that case. i'd rather be in that position where people evacuate and they board up their houses and they prepare and it's not as bad as we think. >> i'm always amazed at people who get upset. so you would have rather it had been as bad. >> to justify our coverage ...