My insurance company, American Modern Insurance Group of Cincinnati, Ohio, is cancelling my home insurance because they want the front of my house repainted because it has some pealing paint on the cedar shingles. I called them up and said: "Do you really expect me to paint the outside of my house in sub-freezing weather. The paint will freeze before it dries." Their answer: "Yes, you must address the deficiency listed in the letter we sent you." I am not sure what risk peeling paint will bring to a house that just survived two hurricanes in two years. Time to find a new insurance company.