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Started By
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re: Ian Observation Thread (Storm Track and Radar inside)
Posted on 9/28/22 at 3:40 pm to Ten Bears
Posted on 9/28/22 at 3:40 pm to Ten Bears
quote:
And in Florida, your deductible is typically 5% of the insured value.
Nah. I'd say that between 95-98% are 2% deductibles for hurricanes. The rest are either 5% or the same about as the non-hurricane deductible. I once handled a claim for an insured that has a very rare 10% deductible on a $1.2 million policy. Poor fricker was responsible for the first $120K.
1
Posted on 9/28/22 at 3:42 pm to Ten Bears
quote:
After Sally, well...it's in litigation, with the state insurance trust because my insurance company went bankrupt
So you haven’t gotten a dime from Sally after two years?
Posted on 9/28/22 at 3:42 pm to TigerFanatic99
Looking at all these areas on Google Earth. Seems like a really nice area. Truly unfortunate; although, a lot of it probably never should have been developed in the first place.
Posted on 9/28/22 at 3:42 pm to Indfanfromcol
quote:
I’m currently on a multi billion dollar project here. Can’t go into detail but it’s all over blogs.
There are several.
Posted on 9/28/22 at 3:43 pm to Sput
quote:
So you haven’t gotten a dime from Sally after two years?
I haven't gotten a cent after Sally
Posted on 9/28/22 at 3:44 pm to Wolfhound45
quote:
Wolfhound45
We were just talking about you on TD Premium, Wolfie.
You doing okay? Are you in this thing?
Posted on 9/28/22 at 3:44 pm to ThePoo
quote:
That is correct, it will have consequences here. The ripples of Major catastrophic insurance events will be felt in every state that company writes insurance with whether that be through insolvency of the company or an increase in premium
The re-insurance companies are definitely going to implement Climate Rating 2.0 for P&C policies which will be devastating to coastal states.
The even bigger impact is what is going to happen to flood insurance as this will likely cause it flirt with insolvency due to the expensive homes in this area that are insured at the 500k rate as opposed to the 250k rate.
Posted on 9/28/22 at 3:45 pm to LSUGrrrl
Thank you. Now can I get some prayers for the wine?
Just connected with the neighbor across the street and our house and street is still dry. If we make it past the 3 AM high tide we should be in the clear on that front.
Sadly, we have friends whose homes are already completely under water.
Just connected with the neighbor across the street and our house and street is still dry. If we make it past the 3 AM high tide we should be in the clear on that front.
Sadly, we have friends whose homes are already completely under water.
Posted on 9/28/22 at 3:45 pm to Richard Grayson
quote:Palm trees have to be the strongest tree on the planet to sustain constant winds like that.
It's amazing to think about just how big and strong that weather system is.
Posted on 9/28/22 at 3:46 pm to tunechi
quote:
Can you make it a little bigger? Can't quite see
TWSS
Posted on 9/28/22 at 3:46 pm to Wolfhound45
Venice with sustained hurricane force at an instrument site that is still working.
Posted on 9/28/22 at 3:47 pm to paperwasp
quote:
TD Premium
shhhhhh.....
Posted on 9/28/22 at 3:47 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.
Insurance companies have reinsurance for hurricanes. It's not the hurricanes that put them out of business although the cost of reinsurance has put a few out. The problem in Florida is all of the scumbag attorneys and public adjusters. 9% of homeowners claims in the US occur in Florida but we account for 79% of all property insurance lawsuits. There's no reinsurance for daily clims, bad faith jusdements and attorney's fees.
Posted on 9/28/22 at 3:47 pm to RT1941
quote:
Palm trees have to be the strongest tree on the planet to sustain constant winds like that.
They are from the coasts and uniquely adapted to the environment
Posted on 9/28/22 at 3:47 pm to Lithium
Oh that sucks.
Posted on 9/28/22 at 3:47 pm to LSU82BILL
quote:
'd say that between 95-98% are 2% deductibles for hurricanes
I did recall having a 2% deductible pre-Ivan and I was inland. I haven't seen 2% since I moved, but unfortunately now I am with Citizens so I don't have a friggin choice.
Posted on 9/28/22 at 3:48 pm to VABuckeye
Hey man,
Thinking of you. Moved all my wine from garage to main floor but may not have been high enough. So sad that I lost that entire vertical of first growth Bordeaux, all that DRC and Richebourg, 100 year old vintage port, and of course the vintage champagne. Not to mention the cases of bud light.
Thinking of you. Moved all my wine from garage to main floor but may not have been high enough. So sad that I lost that entire vertical of first growth Bordeaux, all that DRC and Richebourg, 100 year old vintage port, and of course the vintage champagne. Not to mention the cases of bud light.
Posted on 9/28/22 at 3:50 pm to paperwasp
quote:Yup.
You doing okay?
quote:Right up I-75 from it. Thought it was going to make landfall here in the Tampa area. Landed by liz down in the Fort Myers area instead. Raining and gusts of wind. But we are doing fine.
Are you in this thing?
ETA: Our street right now.
This post was edited on 9/28/22 at 4:03 pm
Posted on 9/28/22 at 3:50 pm to VABuckeye
quote:
Now can I get some prayers for the wine?
Done
Posted on 9/28/22 at 3:51 pm to RT1941
quote:
Palm trees have to be the strongest tree on the planet to sustain constant winds like that.
They are, if you ever cut one open the inside is more like tightly wound rope than normal tree bark, very fibrous and dense. My parents had one die and we went through a few chainsaw blades to cut it up, they're tough as hell.
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