Your friends told you that they could here a pin drop in some neighborhoods. Well, ask your friends which ones they are talking about. I want to verify the information, for myself but based on what you posted, its no more than a rumor. The structures are already there and have to be insured no matter who owns them. As long as UVE keeps their rates competitive then they should keep the business and hopefully gain some new policies on transitioning homes. Heck, maybe even UVE picked up some "bulk rate" accounts.