The appeal has never worked for us..they pull up the largest homes in the area...it's the area,they claim.Also,with my escrow account,they demand a two month safety net...one other thing..remember to shop around for home owners insurance and balloon your package...we have everything under Farmers right now..and they don't play the shifty business like N.Y. Mutual did because of the Long Island hurricane (Sandy?).broad was trying to tell me I had a increase because of the increase in lumber prices....bull ****.