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1
Posted on 9/28/22 at 3:14 pm to loogaroo
quote:
Anyone know if this is true:
With a Cat 5 designation a homeowner's insurance would be liable for the total damages. Cat 4 or lower, most homeowners are on the hook for a percentage. If a Cat 4 storm is subsequently re-evaluated as a 5, but that reclassification happens after the "window" for claims, homeowners are not refunded for their deductibles.
Only thing to worry about is just hard the insurance company is gonna frick the policy holder
Posted on 9/28/22 at 3:15 pm to Sput
Jeff P live again...he had an 18-wheeler flip in front of him and the driver is trapped
Posted on 9/28/22 at 3:15 pm to loogaroo
For that to be the case, your policy would have to explicitly state that. I do this for a living, and I have never seen a policy that says that, or anything like that.
Posted on 9/28/22 at 3:15 pm to Sput
It is true about the Cat 5 designation.
Posted on 9/28/22 at 3:16 pm to Slippy
Posted on 9/28/22 at 3:16 pm to loogaroo
If only...windstorm insurance kicks in after any named storm, there is no "deductible" refund. And in Florida, your deductible is typically 5% of the insured value.
If insurance companies refunded those deductibles, they would go bankrupt.
If insurance companies refunded those deductibles, they would go bankrupt.
Posted on 9/28/22 at 3:18 pm to loogaroo
I’m watching Ryan Hall and what is he using to talk to the storm chasers? Are they using a HAM radio? If not what are they using?
Posted on 9/28/22 at 3:19 pm to loogaroo
Insurance companies in Florida about to go under just like in LA and most will increase hurricane deductibles and stop writing altogether.
Coastal insurance is going to be a thing of the past sooner than you think
If you've been following what's going on in LA with Laura and Ida, good luck.
Not to mention flood insurance from FEMA which is likely gonna be too expensive for most to afford
Coastal insurance is going to be a thing of the past sooner than you think
If you've been following what's going on in LA with Laura and Ida, good luck.
Not to mention flood insurance from FEMA which is likely gonna be too expensive for most to afford
Posted on 9/28/22 at 3:19 pm to SingleMalt1973
Venice pier cam is getting hammered - whiteout conditions.
It is in that huge red band in NW quadrant.
It is in that huge red band in NW quadrant.
Posted on 9/28/22 at 3:20 pm to Sput
quote:
Only thing to worry about is just hard the insurance company is gonna frick the policy holder
This is what bothers and worries me the most about hurricanes. It isn't the storm, and it wouldn't even be the damage that could put me in an early grave. It is fighting the fricking insurance companies for a year while they nickel, dime, and screw you every chance they get.
Posted on 9/28/22 at 3:21 pm to nicholastiger
quote:
Insurance companies in Florida about to go under just like in LA and most will increase hurricane deductibles and stop writing altogether.
LA isn’t big enough to effect change.
Maybe if we join forces with Florida we can
Posted on 9/28/22 at 3:21 pm to tunechi
quote:
Can you make it a little bigger? Can't quite see
Posted on 9/28/22 at 3:21 pm to nicholastiger
quote:
Insurance companies in Florida about to go under just like in LA
This is not exactly correct. They are the same companies. The ones who have gone bankrupt wrote policies all over the Gulf South and are going kaput. I know of a couple who pulled out of La but are still writing in Florida, and this storm may do them in.
I agree that we will soon all be unable to get insurance.
Posted on 9/28/22 at 3:22 pm to nicholastiger
quote:A lot of the companies you see that were writing in Louisiana were based out of Florida
Insurance companies in Florida about to go under just like in LA
Posted on 9/28/22 at 3:23 pm to NorthEndZone
You shoulda seen Surgecam 9 and 3 
Posted on 9/28/22 at 3:23 pm to TheFonz
quote:
This is what bothers and worries me the most about hurricanes. It isn't the storm, and it wouldn't even be the damage that could put me in an early grave. It is fighting the fricking insurance companies for a year while they nickel, dime, and screw you every chance they get.
It didn't use to be that way. After Ivan, my insurance company paid me more than I actually claimed, in that they paid me for stuff I didn't even consider.
After Sally, well...it's in litigation, with the state insurance trust because my insurance company went bankrupt
Posted on 9/28/22 at 3:23 pm to EasternShoreTider
Posted on 9/28/22 at 3:24 pm to nicholastiger
quote:
Coastal insurance is going to be a thing of the past sooner than you think
It was rare to get a Cat 4/5 landfall, until about 2017.
We've had Harvey, Michael, Laura, Ida, and now Ian in 5 years.
These high end hurricanes actually wreck shite with the wind.
Posted on 9/28/22 at 3:24 pm to MrLSU
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