My Florida friends …
- Thread starter St. Louis Hawk
- Start date
DeSaster….soon to be seen showboating in North Carolina while ignoring the problems at home
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The situation goes way back. As my post said.
If the Dems would offer better candidates they might get elected. I would have voted for Gwen Graham but instead the Dems put up Andrew Gillum who was a disaster. That’s not on the R’s.
Two different things. Some were canceled but they were able to be insured through Citizens.
And FEMA is not a state agency. That’s Federal. And everyone in Florida who has been through a storm usually knows it.
Oh and the new condo laws aren’t the result of insurance companies.
No that would make no difference. A lot of folks belief taxes are a rip-off and vote for anyone who says they will cut them. Cut taxes, scare the tell out of folks and the votes will follow. At one time Americans chose to belief there is nothing to fear but fear itself….in todays America, too many folks believe America is a third world nation headed in the wrong direction.
The reporter has it "from the man at the liquor store" that you can't get insurance in FL?
I'm not making that quote up.
Did you even watch the clip you tweeted?
I already know you don't actually read the articles.
No he’s a socially inept semi agoraphobic insomniac who does this for the likes.
Insurance in Florida is a mirage and a DeSaster/GQP enabled scam
Florida family: Insurers hope we'll walk away | Cuomo
Florida family: Insurers hope we'll walk away | Cuomo
Every state gets you somewhere I'm convinced. More than likely, the state income tax you pay in your state far exceeds the difference in homeowners insurance. Mine is certainly that way.
Also, just think about it. A hurricane leaves FAR more widespread damage than tornadoes do, and you know there's going to be 2-4 that hit the state every year. It's really just a math equation for insurance companies and yeah, your house is probably 4 times more likely to be destroyed in Florida or near a coastline than it is inland.
I've seen many posters try to make this issue political, but really...it's math, and despite math teachers wanting to make it political too, it's still just math. Leave it to the actuaries.
Also, just think about it. A hurricane leaves FAR more widespread damage than tornadoes do, and you know there's going to be 2-4 that hit the state every year. It's really just a math equation for insurance companies and yeah, your house is probably 4 times more likely to be destroyed in Florida or near a coastline than it is inland.
I've seen many posters try to make this issue political, but really...it's math, and despite math teachers wanting to make it political too, it's still just math. Leave it to the actuaries.
They have nothing else, so they come up with juvenile nicknames for the current Governor who is not the one who created our situation.
As noted in the WSJ one of the things insurance does with its rates is to give us information about risk so that we can then make informed choices.
If you grew up here like me you remember driving up and down A1A for miles and not seeing anything but open areas that had nothing but dunes. Now you see huge McMansions built by millionaires. On lots where old small single story concrete block houses were before. One after another. And local government takes the fees for permits while FEMA takes the premiums and then the storm damages exceed what has been collected in premiums.
What is wrong with this picture?
We’re about to lose thousands of newcomers who have decided that maybe they should look elsewhere to spend their “golden years”, or at least rethink the idea that they need to look outside and see the water.
I don’t think that’s a bad idea. I’m old school Florida and I live 14 miles from the ocean. If I wanna see the beach I know where it is and I drive out and see it.
I don’t think that’s a bad idea. I’m old school Florida and I live 14 miles from the ocean. If I wanna see the beach I know where it is and I drive out and see it.
Insurance in Florida is a mirage.
Florida hurricane victim: Dealing with insurance is a 'full-time job' | Cuomo
Florida hurricane victim: Dealing with insurance is a 'full-time job' | Cuomo
6 major property insurance companies outline future plans in Florida after back-to-back hurricanes
I read that to be his point.
You pay more for home insurance in FL than elsewhere, but you’re not paying a state income tax.
Most homeowners policies do have a percentage of value deductible now instead of the old set dollar amount policy.
It’s been that way for several years.
It’s been that way for several years.
Florida's largest insurer denying hurricane claims sparks alarm
Citizens Property Insurance has reportedly denied 77 percent of insurance claims relating to Hurricane Debby.
www.newsweek.com
Sadly, a lot of this is people not having flood insurance living in areas that can have storm surge. Same thing happening in Appalachians where people in areas thought above flood max had none. Also heard stories of people in this rural area where house is paid off long ago dropping flood insurance on coast because why pay that 5k a year (smh). Need to revamp and educate on Flood insurance. In fact unless you for sure know you are in a safe space, might be worth getting even if bank does not require. In these days of accelerating climate warming, FEMA flood zone maps might be the best to trust in being safe.Florida's largest insurer denying hurricane claims sparks alarm
Citizens Property Insurance has reportedly denied 77 percent of insurance claims relating to Hurricane Debby.
Denied - because the damage was attributed to flooding which is excluded from Homeowners Insurance.Florida's largest insurer denying hurricane claims sparks alarm
Citizens Property Insurance has reportedly denied 77 percent of insurance claims relating to Hurricane Debby.
Not surprised that homeowners would submit anyway in the hopes that their claim might slip through.
Are you actually this ignorant? Is this an act?
Citizens isn't flood insurance.
I know you don't read the articles you link, now I know you don't even watch the videos you post:
Facts be damned! He links for clicks and likes. It’s his only form of social interaction and an exercise in seeking approval of others. Being a useful tool of the left seems to be an acceptable tradeoff.Are you actually this ignorant? Is this an act?
Citizens isn't flood insurance.
I know you don't read the articles you link, now I know you don't even watch the videos you post:
U.S. News names this Southwest Florida town best place to live in America
Naples in recent years ranked high as well, coming in at No. 6 on the 2023-24 list of the 150 list of Best Places to Live.
www.marconews.com
The Florida market will cool down over the next year and beachside condos will come down in prices as well. The dues are historically high because owners can’t easily vote to delay funding the Reserves like they have for decades.
Zillow estimate on my place has been practically static for 2.5 years now.
Dec '19 to May '22 was an over 40% increase in price, but since then it's bounced around inside a +-5% range.
The five states Americans are moving to in droves
There are five states Americans are moving to more than all the others. Migration trends over the last several years have seen more people fleeing from states like California and New York.
Naples is cool, if you’re 80 lol.U.S. News names this Southwest Florida town best place to live in America
Naples in recent years ranked high as well, coming in at No. 6 on the 2023-24 list of the 150 list of Best Places to Live.www.marconews.com
That area is paradise in my mind. Beaches, golf, pickleball, fabulous restaurants, jogging, entertainment venues, opportunities to do volunteer work, bike riding, jet ski, boating, fishing, kayaking.
Maybe I am should look for negatives.
Maybe I am should look for negatives.
It’s nice to visit. As for all of those they’re available at about every beachside community in FL.
Yeah. Smart man. Worse than girls they might become mice. How embarrassing would that be?
Do you live there or just visit? If you live there, how has your home insurance been affected in the last decade?
I have a condo on Marco Island. Bought it when covid was just getting going. Second floor of only four floors. South end of island. Beautiful view of Caxambas Pass. Was lucky. It came up for sale, my wife saw it online. Five other couples were going to see it that day. But the day before stock market had a somewhat of a bad day and then on that particular day it was very bad.
I was out of the state, but was on my way back. Told my wife just make a full price offer. The other people backed off because of the covid and market news.. She had been working with a realtor very awhile. He went over and checked it out and said it was legit. We bought sight unseen except for him and pictures that were online. Our offer was accepted.
Insurance has increased but to be honest who cares and my wife handles it. HOA fees have increased but again who cares. My wife wanted this place so we bought. This winter we are staying four months. During the off season we go down about every six weeks for a week. We leave a vehicle down there, but when we stay we drive down and have two vehicles.
This is the longest we will stay at one time, previous was three months.
Zillow says it is worth quite a bit more than what we paid., but again who cares. I am not selling it. I do kind of wish we had bought a house at times.
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Some people do care. If you haven't been hit with a hurricane or any other issues and weren't paid what you were owed, even with a higher premium, you can understand how that could frustrate some people.
People in Central to East Central IA can say the same thing about the Derecho. I got pennies on the dollar to fix my old house. We were thankful enough to be able to repair it even with the couple hundred insurance gave us after our deductible. I've since moved to a newer house, but my insurance keeps going up on my house every year.
At the end of the day, you're right on the increase in the 10,000 foot view. Who cares? But when you dig in a little deeper or experience their BS, you can understand why people are upset they're not getting what they pay for.
Sounds like you have a nice place though 👍
The counties and cities keep upping their property millage rates too on top of always having insurance go up. Been a homeowner since 2002 and last four years is first time I have seen my mortgage payment jumping up 100-200 a year. At this rate my mortgage payment will be double by year 15 on a FIXED rate for my 30 year mortgage. This is bad sign, since locking down a payment amount is one of the benefits of buying a house long term. It is not suppose to be like this.
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