RISING INSURANCE COSTS HIT HOME;
<h3>FIRES IN SOUTHERN CALIFORNIA AND FLOODS IN WASHINGTON STATE ARE LIKELY TO FUEL THE TREND THAT'S SURPRISING HOMEOWNERS</h3><p class="source">The Oregonian</p>
<p>"Insurance companies are punishing customers for having the gall to use their product," said Doug Heller of FTCR in Santa Monica, Calif. Customers who file claims "are going to have this scarlet letter, they're on a blacklist."</p>
