We recently received a letter from our insurance carrier stating that our beach house had evidence of roof damage and they required a licensed roofing contractor submit a report if they were to renew our policy. Odd, since our house is less than 10 yrs. old and has a tin roof, plus we had no leak problems through three storms over the past year. When I inquired, it turned out that it was not the roof but some missing planks for the siding (which we had already had replaced). They had photos, but had mixed up their reports because of the lack of obvious street addresses on Grayton properties. This is worth checking out, if you received a similar letter. Ask for photo evidence and a copy of the field investigator's report. The latter is pretty interesting, too.
In the course of my conversation with our insurance firm, they also told me that all wind damage policies are now going to a State pool. This means that we can expect a slight increase in the price of that particular policy, but at least we will be covered and in a context more protected by the State of Florida than we might have been otherwise. I have to say that Florida is really good about making these companies do business fairly instead of picking and choosing who they will or won't provide coverage to. Florida has insisted that they are either in business in the State or they can't do business there at all. I don't know that it would work that well in CA if we had as many natural disasters on an annual basis.
DBOldfordDBOldfordBeach FanaticNapa Valley, CA990 postsJoined View profileMessageBeach Fanatic
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Beach RunnerBeach Runnerbeats on hoodNear the ATL and in SoWal as often as possible15,269 postsJoined View profileMessagebeats on hood
Beach Runnerbeats on hoodNear the ATL and in SoWal as often as possible15,269 postsJoined View profileMessagebeats on hoodI wish I could curse on this board. It starts with the letters M and F.
I'm really sorry that they're putting you through this. GRRRRR!
I'm really sorry that they're putting you through this. GRRRRR!
Smiling JOeSmiling JOeSoWal Expert31,643 postsJoined View profileMessageSoWal Expert
Smiling JOeSoWal Expert31,643 postsJoined View profileMessageSoWal ExpertI wish I could curse on this board. It starts with the letters M and F.
I'm really sorry that they're putting you through this. GRRRRR!
You can say Mother Focker, like the mother in Meet the Fockers. 😀
RiverOtterRiverOttergot any pics?Chattanooga, Tennessee, United States11,444 postsJoined View profileMessagegot any pics?
RiverOttergot any pics?Chattanooga, Tennessee, United States11,444 postsJoined View profileMessagegot any pics?I wish I could curse on this board. It starts with the letters M and F.
I'm really sorry that they're putting you through this. GRRRRR!
Go for it. I shows up like this M*****
SGBSGBBeach FanaticSouth Walton1,034 postsJoined View profileMessageBeach Fanatic
SGBBeach FanaticSouth Walton1,034 postsJoined View profileMessageBeach FanaticWe recently received our insurance renewal statements. The wind policy for our house in Seagrove more than doubled. The wind policy for our house on Mack Bayou is almost FOUR times what it was last year. We slightly upped the coverage on the Mack Bayou house to cover current construction costs, but not by much. Why our wind policy price went up so much, we don't know.
ShallowsNoleShallowsNoleBeach FanaticPt Washington4,279 postsJoined View profileMessageBeach Fanatic
ShallowsNoleBeach FanaticPt Washington4,279 postsJoined View profileMessageBeach FanaticOur homeowner's policy (which includes wind) has also nearly doubled. Not quite, but almost - and they did reassess for higher costs of construction.
The renewal declarations for our flood policy haven't arrived. I am quaking in my boots.
The renewal declarations for our flood policy haven't arrived. I am quaking in my boots.
Beach RunnerBeach Runnerbeats on hoodNear the ATL and in SoWal as often as possible15,269 postsJoined View profileMessagebeats on hood
Beach Runnerbeats on hoodNear the ATL and in SoWal as often as possible15,269 postsJoined View profileMessagebeats on hoodI'd rather have my rates go up than what I just opened that came in the mail today. Our insurance has been *CANCELLED* because we don't live on a main road! :bang:
I just went outside and took out my frustration by taking an object and striking it on the ground until it broke.
What are we gonna do?
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In case you can't tell, I'm flipping out. I could :puke:
Insurance companies are all unscrupulous slime buckets!
I just went outside and took out my frustration by taking an object and striking it on the ground until it broke.
What are we gonna do?
?????????????????????????????????????????????????
?????????????????????????????????????????????????
?????????????????????????????????????????????????
?????????????????????????????????????????????????
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In case you can't tell, I'm flipping out. I could :puke:
Insurance companies are all unscrupulous slime buckets!
Edited
DBOldfordDBOldfordBeach FanaticNapa Valley, CA990 postsJoined View profileMessageBeach FanaticAuthor
We received the letter advising that the wind insurance is cancelled as of Jan., 2006. Thank goodness our agent warned me in advance, because this letter did not say anything about the State insurance pool picking up the coverage. My agent said it would increase slightly, but not double. Yikes. We had absolutely no wind damage through three storms in the past year. We expected an increase, but not to that extent.
Florida has all kinds of protection in the form of insurance pools, plus they are strict about not allowing insurance firms to treat their clients capriciously. When some tried to do this a few years back, the State said they were either out of biz in FL or doing business fairly. Only a few ended up leaving.
The thing about not being on a main road is a new one. My mother lives in one of the older homes in DeFuniak and her firm required her to confirm that the house was up to City Code before renewing her policy. Of course, this is in everyone's best interest, though. So many of those old houses have burned due to faulty wiring, etc.
Good luck to everyone on this insurance gig. We should keep comparing notes.
Florida has all kinds of protection in the form of insurance pools, plus they are strict about not allowing insurance firms to treat their clients capriciously. When some tried to do this a few years back, the State said they were either out of biz in FL or doing business fairly. Only a few ended up leaving.
The thing about not being on a main road is a new one. My mother lives in one of the older homes in DeFuniak and her firm required her to confirm that the house was up to City Code before renewing her policy. Of course, this is in everyone's best interest, though. So many of those old houses have burned due to faulty wiring, etc.
Good luck to everyone on this insurance gig. We should keep comparing notes.
Beach RunnerBeach Runnerbeats on hoodNear the ATL and in SoWal as often as possible15,269 postsJoined View profileMessagebeats on hood
Beach Runnerbeats on hoodNear the ATL and in SoWal as often as possible15,269 postsJoined View profileMessagebeats on hoodWe received the letter advising that the wind insurance is cancelled as of Jan., 2006. Thank goodness our agent warned me in advance, because this letter did not say anything about the State insurance pool picking up the coverage. My agent said it would increase slightly, but not double. Yikes. We had absolutely no wind damage through three storms in the past year. We expected an increase, but not to that extent.Thanks for the info - it helps. I'm having problems dealing with the unfairness of all of this - I'm stressed to the max.
Florida has all kinds of protection in the form of insurance pools, plus they are strict about not allowing insurance firms to treat their clients capriciously. When some tried to do this a few years back, the State said they were either out of biz in FL or doing business fairly. Only a few ended up leaving.
The thing about not being on a main road is a new one. My mother lives in one of the older homes in DeFuniak and her firm required her to confirm that the house was up to City Code before renewing her policy. Of course, this is in everyone's best interest, though. So many of those old houses have burned due to faulty wiring, etc.
Good luck to everyone on this insurance gig. We should keep comparing notes.
BTW our agent said nothing to us about this - no warning.
Edited
Smiling JOeSmiling JOeSoWal Expert31,643 postsJoined View profileMessageSoWal Expert
Smiling JOeSoWal Expert31,643 postsJoined View profileMessageSoWal ExpertI feel for you guys. Three weeks after Hurricane Ivan, my insurance increased 85% on my home. I had no damage. The Insurance company needed more money to pay out to the homeowners who did sustain damage. :idontno:
Beach Runner, that luxury of being south of 30-A so that you don't have to carry your stuff too far, does come at a cost. To get insurance, search for a home farther inland.
Beach Runner, that luxury of being south of 30-A so that you don't have to carry your stuff too far, does come at a cost. To get insurance, search for a home farther inland.
Beach RunnerBeach Runnerbeats on hoodNear the ATL and in SoWal as often as possible15,269 postsJoined View profileMessagebeats on hood
Beach Runnerbeats on hoodNear the ATL and in SoWal as often as possible15,269 postsJoined View profileMessagebeats on hoodI feel for you guys. Three weeks after Hurricane Ivan, my insurance increased 85% on my home. I had no damage. The Insurance company needed more money to pay out to the homeowners who did sustain damage. :idontno:I'd rather sell it and rent it from the new owner than lose the convenience of being south of 30-A.
Beach Runner, that luxury of being south of 30-A so that you don't have to carry your stuff too far, does come at a cost. To get insurance, search for a home farther inland.
Smiling JOeSmiling JOeSoWal Expert31,643 postsJoined View profileMessageSoWal Expert
Smiling JOeSoWal Expert31,643 postsJoined View profileMessageSoWal ExpertI'd rather sell it and rent it from the new owner than lose the convenience of being south of 30-A.
Now that is an idea.
TooFarTampaTooFarTampaSoWal InsiderNative of Tampa now in Boston 'burbs. Left my hear5,422 postsJoined View profileMessageSoWal Insider
TooFarTampaSoWal InsiderNative of Tampa now in Boston 'burbs. Left my hear5,422 postsJoined View profileMessageSoWal InsiderWe are in the Citizens wind pool and our wind premium doubled this year. We did have damage from Ivan but as noted above, many others who didn't were hit with such increases. Citizens is by law required to charge more than any other company, and most of its premiums have gone up 80 to 100 percent in the past year. 😱
Citizens is terrible (they just don't have it together --it would take too long to list all the issues) but it is most people's only choice these days if you're along 30-A. We are on the north side, and we may not get out of the wind pool for five years or more.
Donna and BR, I would get a firm premium amount from your agent ASAP. Not to freak you out further, but our Citizens wind premium alone went up from $1800/year to $3600/year upon renewal in August.
Citizens is terrible (they just don't have it together --it would take too long to list all the issues) but it is most people's only choice these days if you're along 30-A. We are on the north side, and we may not get out of the wind pool for five years or more.
Donna and BR, I would get a firm premium amount from your agent ASAP. Not to freak you out further, but our Citizens wind premium alone went up from $1800/year to $3600/year upon renewal in August.
Edited
margareteileenmargareteileenBeach Comber7 postsJoined View profileMessageBeach Comber
Wait until you hear this one...Last September while Ivan was in the Gulf of Mexico, our insurance was canceled up at our river house. Our mortgage company required insurance so...we ponied up for a big bucks policy - the only one we could get. After those funds passed hands, insurance company number one informs us that the state wouldn't let them cancel us, we are still insured with them and if we don't pay them back the premium refund we had already cashed - they'd put us in collection.
We had to straighten them out. I'm happy to report no weapons were drawn.
Meanwhile, we were stuck with ridiculously expensive insurance because insurance company one was going to close out of Florida at the first opportunity. Ay-yi-yi.
We had to straighten them out. I'm happy to report no weapons were drawn.
Meanwhile, we were stuck with ridiculously expensive insurance because insurance company one was going to close out of Florida at the first opportunity. Ay-yi-yi.
Smiling JOeSmiling JOeSoWal Expert31,643 postsJoined View profileMessageSoWal Expert
Smiling JOeSoWal Expert31,643 postsJoined View profileMessageSoWal ExpertWait until you hear this one...Last September while Ivan was in the Gulf of Mexico, our insurance was canceled up at our river house. Our mortgage company required insurance so...we ponied up for a big bucks policy - the only one we could get. After those funds passed hands, insurance company number one informs us that the state wouldn't let them cancel us, we are still insured with them and if we don't pay them back the premium refund we had already cashed - they'd put us in collection.
We had to straighten them out. I'm happy to report no weapons were drawn.
Meanwhile, we were stuck with ridiculously expensive insurance because insurance company one was going to close out of Florida at the first opportunity. Ay-yi-yi.
Those little b*stards! They would have a (mental) brick thrown through there window, if it were up to me. :bang:
Beach RunnerBeach Runnerbeats on hoodNear the ATL and in SoWal as often as possible15,269 postsJoined View profileMessagebeats on hood
Beach Runnerbeats on hoodNear the ATL and in SoWal as often as possible15,269 postsJoined View profileMessagebeats on hoodWe are in the Citizens wind pool and our wind premium doubled this year. We did have damage from Ivan but as noted above, many others who didn't were hit with such increases. Citizens is by law required to charge more than any other company, and most of its premiums have gone up 80 to 100 percent in the past year. 😱Thanks for the advice.
Citizens is terrible (they just don't have it together --it would take too long to list all the issues) but it is most people's only choice these days if you're along 30-A. We are on the north side, and we may not get out of the wind pool for five years or more.
Donna and BR, I would get a firm premium amount from your agent ASAP. Not to freak you out further, but our Citizens wind premium alone went up from $1800/year to $3600/year upon renewal in August.
My husband is about to whomp up on the insurance company. He's 6'8" and 270 pounds, and he uses his size as a negotiation tool. It works. Once he went to Germany to buy a piece of textile machinery for a couple of hundred thousand. By the end of the visit, he had purchased the entire company for that amount. His company has profited on multiple occasions by his mental (perfect score on the SATs on multiple occasions) and physical skills. So, yes, he has made me feel confident that he will whomp up on the blanking insurance company.
TooFarTampaTooFarTampaSoWal InsiderNative of Tampa now in Boston 'burbs. Left my hear5,422 postsJoined View profileMessageSoWal Insider
TooFarTampaSoWal InsiderNative of Tampa now in Boston 'burbs. Left my hear5,422 postsJoined View profileMessageSoWal InsiderWow. He sounds scary. Is this what you envision?
Beach RunnerBeach Runnerbeats on hoodNear the ATL and in SoWal as often as possible15,269 postsJoined View profileMessagebeats on hood
Beach Runnerbeats on hoodNear the ATL and in SoWal as often as possible15,269 postsJoined View profileMessagebeats on hoodWow. He sounds scary. Is this what you envision?If that's what it takes, he can take care of it. We're not willing to sit back and let some slimebucket insurance sompany mistreat us without a fight.
DabellDabellBeach FanaticNew York471 postsJoined View profileMessageBeach Fanatic
DabellBeach FanaticNew York471 postsJoined View profileMessageBeach Fanatic:lolabove: :idontno: :confused: 😱 :rolling: :blink: :bang: :funn: :funn:
My Homeowner's went up starting Jan 1st $3480
this year it was $2700
taxes also went up to 1,800 from 1,200
this mean I will be paying over 5k a year before the lights go on! I guees people will have to raise rentals.
My Homeowner's went up starting Jan 1st $3480
this year it was $2700
taxes also went up to 1,800 from 1,200
this mean I will be paying over 5k a year before the lights go on! I guees people will have to raise rentals.
TooFarTampaTooFarTampaSoWal InsiderNative of Tampa now in Boston 'burbs. Left my hear5,422 postsJoined View profileMessageSoWal Insider
TooFarTampaSoWal InsiderNative of Tampa now in Boston 'burbs. Left my hear5,422 postsJoined View profileMessageSoWal InsiderOne other note: Whoever your insurer is, if you have a hipped roof (four sides like a little pointy cap), make sure it is noted on your wind policy. If you have a hipped roof and your policy states "gabled roof" you deserve and should be able to get a nice discount and/or refund.
I told Citizens (actually our agent) many times when we purchased that our house had a hipped roof, and even emailed photos. But Citizens recorded it as gabled roof and I did not catch it until the policy came up for renewal. Not only did it reduce our renewal premium from $4250 to about $3600, we got a check back from last year's policy. Total refund was over $1,000 -- eased the pain a little.
I say this only because so many homes in the area (most?) now have hipped roofs, which provide much better protection in hurricanes than a gabled roof. Hence the discount. Make sure you are given credit in writing on your policy for all construction upgrades!
I told Citizens (actually our agent) many times when we purchased that our house had a hipped roof, and even emailed photos. But Citizens recorded it as gabled roof and I did not catch it until the policy came up for renewal. Not only did it reduce our renewal premium from $4250 to about $3600, we got a check back from last year's policy. Total refund was over $1,000 -- eased the pain a little.
I say this only because so many homes in the area (most?) now have hipped roofs, which provide much better protection in hurricanes than a gabled roof. Hence the discount. Make sure you are given credit in writing on your policy for all construction upgrades!
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