Cancelling Plans

We are in Seacrest Beach North and are "uninsurable," I guess, which means we go into the wind pool. The state's wind insurer, Citizens Property, writes our wind policy. Flood is cheap ($300/no flood zone) and hazard insurance was about $900. We recently renewed and those premiums stayed the same. Our premium for Citizens wind coverage doubled, from $2100 to $4200. Makes sense because we actually had a claim last year from Ivan. And yes, all the damages were covered ... eventually. (Other than, of course, our 2 percent hurricane deductible.)

I have heard rumors that Citizens in in trouble and we got a non-renewable notice from them and our insurance doesn't even expire until December. We haven't even filed a claim with them. The insurance situation is only going to get worse unfortunately.

I have heard rumors that Citizens in in trouble and we got a non-renewable notice from them and our insurance doesn't even expire until December. We haven't even filed a claim with them. The insurance situation is only going to get worse unfortunately.

Great. Makes me really want to pay the full premium in advance!!

Isn't it illegal for Citizens to drop you? I just don't understand how they can non-renew you. It must mean you will be able to secure insurance elsewhere. Right? :shock:

To luvthebeach:
Okay. This is just too cruel! You shouldn't personally attack someone on a message board whose circumstances you don't know. You can't understand how I was a little flipped out when someone complained about losing a week's vacation when we were facing a major financial loss from which at our age we might not totally recover? You can't understand how I was a little upset when I saw my husband with a sawed-open chest picking up 50-pound pieces of plywood when people were sunning next door? I haven't enumerated a fraction of what has happened in my life recently because it's nobody's business. Trust me, I don't take owning a place at this gorgeous paradise for granted. I thank God every day for my blessings, despite the bad things that have happened. I always say that you can't appreciate the good if you don't have something bad come your way.

You owe me an apology. And Kurt, you really need to remove posts that include personal attacks by name against individuals who post.

To Phdphay
I believe you are being overly sensitive and angry at the very folks who provide you with the rental income to allow you to have a place that many folks would give their eye teeth for. Many of us who are lucky enough to have places here in South Walton depend on the very people you disrespected in your initial message; apparently you depend on them as well, or you wouldn't be renting out your property. I believe in treating everyone with equal respect, whether they are locals or visitors to the area. How do you know that those "vacationers" who you were irritated at for sunning themselves while you were boarding up your home weren't themselves recovering from a serious illness, etc.?

The comment that made me feel the need to reply was the thing you said about having had to go hungry so you could have the education/college degree to earn enough money to have a place near the beach. The insituation was that if our "guests" were as educated as you, they would be able to afford a place down here instead of having to rent. I thank God that I was fortunate enough to have had the opportunity to graduate from a wonderful university and enjoy a wonderful job. However, many of those who rent your property I'm sure are as educated, or more educated, than you or I. They just choose to visit rather than own. Education has nothing to do with having the ability to be a homeowner down here or anywhere else. And when I see vacationers enjoying themselves on the beach or by the pool, it makes me happy that I've decided to open my home to them.

By the way, we hired a service to board up our home. You may want to have a company or two in the back of your mind in case there is a next time (hopefully there won't be!) We are all growing weary of the storms, but we're here to stay! And we're more than happy to rent our place to others when we're not down here enjoying it ourselves!

That's all I'm going to say about this. This forum is a wonderful opportunity to meet new folks and discuss our beautiful areas, share ideas, etc. I just hate to see anyone disrespected.

To Phdphay
I believe you are being overly sensitive and angry at the very folks who provide you with the rental income to allow you to have a place that many folks would give their eye teeth for. Many of us who are lucky enough to have places here in South Walton depend on the very people you disrespected in your initial message; apparently you depend on them as well, or you wouldn't be renting out your property. I believe in treating everyone with equal respect, whether they are locals or visitors to the area. How do you know that those "vacationers" who you were irritated at for sunning themselves while you were boarding up your home weren't themselves recovering from a serious illness, etc.?

The comment that made me feel the need to reply was the thing you said about having had to go hungry so you could have the education/college degree to earn enough money to have a place near the beach. The insituation was that if our "guests" were as educated as you, they would be able to afford a place down here instead of having to rent. I thank God that I was fortunate enough to have had the opportunity to graduate from a wonderful university and enjoy a wonderful job. However, many of those who rent your property I'm sure are as educated, or more educated, than you or I. They just choose to visit rather than own. Education has nothing to do with having the ability to be a homeowner down here or anywhere else. And when I see vacationers enjoying themselves on the beach or by the pool, it makes me happy that I've decided to open my home to them.

By the way, we hired a service to board up our home. You may want to have a company or two in the back of your mind in case there is a next time (hopefully there won't be!) We are all growing weary of the storms, but we're here to stay! And we're more than happy to rent our place to others when we're not down here enjoying it ourselves!

That's all I'm going to say about this. This forum is a wonderful opportunity to meet new folks and discuss our beautiful areas, share ideas, etc. I just hate to see anyone disrespected.

Have a nice day. 🙂

Touchee, Luvthebeach! 30A embodies a spirit that draws me and keeps me here. The spirit of nature lovers, free-thinkers, free-spirits, kindness, comradery and acceptance. I'm a local but this isn't "my" special paradise and I have no right to disrespect others - visitors or otherwise. If I'm unhappy with my situation, I don't complain about it, I change it. I can only trust that those who can appreciate the spirit of 30A will return and those who don't appreciate the spirit will move on to another place that embodies their ideals.

Regarding education and any implied superiority. When we measure what's truly important, intelligence is irrelevant. In the words of Jewel - Only kindness matters. ;-)

Touchee, Luvthebeach! 30A embodies a spirit that draws me and keeps me here. The spirit of nature lovers, free-thinkers, free-spirits, kindness, comradery and acceptance. I'm a local but this isn't "my" special paradise and I have no right to disrespect others - visitors or otherwise. If I'm unhappy with my situation, I don't complain about it, I change it. I can only trust that those who can appreciate the spirit of 30A will return and those who don't appreciate the spirit will move on to another place that embodies their ideals.

Regarding education and any implied superiority. When we measure what's truly important, intelligence is irrelevant. In the words of Jewel - Only kindness matters. ;-)

God bless you.

Phd: It was quite a scare for all of us. I'm sorry that you had damage and I hope your husband is recovering nicely. I'm a licensed pharmacist and used to make the IV solutions for the open hearts. I know how traumatic it is. I hope that you are able to enjoy every day that you have together and that you have many more. Take care

Everyone has problems, some even more so than certain known complainers on this list. I can't imagine using that as an excuse to get upset that people dared to relax and vacation while an adjacent homeowner prepared for the storm. Many of us in the area who read that are embarassed and chagrined by that person's selfish attitude, It does not reflect the 30-A spirit, and we would like guests and forum visitors to know that we distance ourselves from those kinds of remarks.

Everyone has problems, some even more so than certain known complainers on this list. I can't imagine using that as an excuse to get upset that people dared to relax and vacation while an adjacent homeowner prepared for the storm. Many of us in the area who read that are embarassed and chagrined by that person's selfish attitude, It does not reflect the 30-A spirit, and we would like guests and forum visitors to know that we distance ourselves from those kinds of remarks.

...and that's exactly what I was trying to say, only I used way too many words! Thanks, Thumper, for putting it in a nutshell 😀

I have already apologized for my comments. Who hasn't made statements at a time of stress that they regret later?

I will admit that I will never not be upset by guests who stay in my home and remove items or damage them beyond normal wear and tear. But I am happy that I can share my home with those who appreciate it.

Some of you may remember that last year after Ivan, I voluntarily organized all of the posts regarding damage (or lack of such) by location so that members of this message board wouldn't have to read a kajillion posts to check on their property. I am really a nice person. Please quit attacking me.

As I said previously, luvthebeach made the point quite eloquently - We need those vacationers to help us pay for our homes, we choose to live here and boarding up is a part of it. Phd was scared, she was stressed. We all say things we wish that we could take back. She's apologized. Continuing the bashing serves no positive purpose. Many of our guests have been great in expressing their understanding and compassion for the locals in many posts on the board so I think they understand the stress that we were all under. We're human beings.

The path now is to band together and support each other not to bicker among ourselves. Let's go clean up the beach and hopefully we'll all be like those vacationers, enjoying the beach once again.

As I said previously, luvthebeach made the point quite eloquently - We need those vacationers to help us pay for our homes, we choose to live here and boarding up is a part of it. Phd was scared, she was stressed. We all say things we wish that we could take back. She's apologized. Continuing the bashing serves no positive purpose. Many of our guests have been great in expressing their understanding and compassion for the locals in many posts on the board so I think they understand the stress that we were all under. We're human beings.

The path now is to band together and support each other not to bicker among ourselves. Let's go clean up the beach and hopefully we'll all be like those vacationers, enjoying the beach once again.

I agree, Cork. Phdphay, I understand that you were stressed. I was sticking up for the underdog in your message (the visitors). I'm sorry I came out so strongly; guess it just hit a nerve because I was a visitor for many years before becoming an owner. I appreciate all the good advice and info available on this site, and I agree that bickering amongst us is beneficial to none. Let's hope Dennis is the last storm we have to deal with for a long time. We all deserve to be able to get out there and relax!

I have already apologized for my comments. Who hasn't made statements at a time of stress that they regret later?

I will admit that I will never not be upset by guests who stay in my home and remove items or damage them beyond normal wear and tear. But I am happy that I can share my home with those who appreciate it.

Some of you may remember that last year after Ivan, I voluntarily organized all of the posts regarding damage (or lack of such) by location so that members of this message board wouldn't have to read a kajillion posts to check on their property. I am really a nice person. Please quit attacking me.

No offense really and I'm not attacking you. But judging from your posts to this point, you seem to have classic bipolar disorder. I hope I'm wrong and you will prove me to be so in all of your future postings.

At the very least, maybe you can remove the gator avatar, so as not to perpetuate the arrogant "SOS-style" stereotype of Gator fans. Or not - if you enjoy doing so.

Fox - BE NICE! I'm a gator! No judgements, no stereotypes, just acceptance and example.

Let he without sin cast the first stone
A man who sees a speck in the eye of his brother has a board in his own mind
etc. etc.

I do agree that the avatar infers agression but again, it doesn't say that she's arrogant to me, maybe she's a football fan and just proud of her alma mater.

The Bipolar comment appears attacking and offensive. Dont know whether you meant it that way or not but it wasn't nice and I personally don't feel it's my place to judge anybody.