If you are one of many homeowners who felt a near-electric shock when opening your most recent insurance renewal, you are not alone.  Insurance rates are skyrocketing, especially in states like Florida where premiums are rising at double and even triple rates.  And no, "triple" is not a typo now that exorbitant insurance rate hikes have become the "new normal."  Adding fuel to this fire, many homeowners are finding themselves suddenly uninsured after being dropped by their insurer -- often without ever having filed a single claim.  Even if you are one of the lucky ones who has not yet been "ghosted" by your carrier, your latest policy renewal might…