Encourage her to get out now. Every sign suggest those insurance rates are only going to increase. And while property values might be increasing at the moment,

Encourage her to get out now. Every sign suggest those insurance rates are only going to increase. And while property values might be increasing at the moment, it's only a mater of time before the insurance rates become so onerous she can't afford the property. And at that point good luck finding anyone willing to buy it.