Florida insurance controversies

[BlueMtnBeachVagrant]

You are right. I am beginning to sound like two other people. I really need to stop hanging out with you guys -- I may be getting a bad reputation by association. Back to...whatever the topic was -- Insurance Controversies.

Oh yea forgot to add...
But ain't it fun to hang out with "us guys"?

 

[Chickpea]

Hey ..... hey... HOLD ON THERE !!!!

I resemble that remark !!!! :nono1:

SJ, I've been waiting to use that "you're a bad boy" smiley on you!


Just started reading this thread as insurance is a concern of everyone who owns property in this area. Just when I thought the retaining wall issue was starting to simmer down, now that most of us have expressed our views every which way but loose, I just HAD TO STUMBLE into this thread that kept me up half the night!

PLEASE READ THIS CAREFULLY...

I can't believe ecopal is making the wind insurance thing a gulf front vs. non-gulf front issue... AS WELL !!!!!! This is just too much!

Yea, I know, I guess I'm just extremely hypersensitive to gulf front property owner bashers this time of the year.

I'm TOTALLY CONVINCED that ecopal ACTUALLY and SIMPLY hates (for lack of any other word that fits) all GF owners (see all the retaining wall thread stuff for the benefit of those who have not been following them). We're ruining the beach with our walls, etc. and now we're causing Citizens premium rates to jump up.

It's MY FAULT, as a gulf front property owner, that everyone else's wind insurance rates are going up, right?

OK let's look at the elemental logic here...
Hmmm.... I'm a gulf front property owner so my property blows down when a cat 4 hits. But there must be some magical curtain that protects the property behind me or the property behind that, etc. Uhhhh, I still can't figure that one. Someone help me here.

Here's what started this thread and reinforces my complete and absolute total disappointment for ecopal...



I guess "such as" south of 30A or south of the bay would be pushing it in ecopal's view. Much less damage on 30A all the way to Hwy 20 when a cat 4 hits!! What the . ..?

I truly truly truly hope everyone is seeing ecopal for who he is. ecopal screwed up and revealed his totally twisted sense of logic and reason again. You don't have to understand retaining walls, erosion, turtle habitat, etc., etc., to figure this one out.

SJ, I know you don't need me (or anyone else) to back you up on this one. But this guy is gaining credibility....




AS A MAJOR PAIN in the rear!!!



Oh yea, hey Shelly I'm now also convinced that you and ecopal are cut from the same cloth....

What the hell is the matter with you guys? Don't you know the difference between flood insurance (especially in the velocity zone) and wind insurance? Apparently not. It is FLOOD that can be differentiated between gulf front and non-gulf front properties. WIND is the SAME (gulf front vs non gulf front)!!!! I think Andrew, Ivan, Hugo, and on and on and on and on and on MORE THAN PROVED that.

Does ecopal and Shelly really believe the stuff they're writing? I don't and I don't think 99% of the "edcuated" masses here believe it either.


Wait a minute! "GOSH BMBVagrant, you sure are being hard on our pal echopal. What axe do you have to grind with him?"


Just simply read some of the stuff he's posted on the "Seawall", "Geotubes in TX" and the "Seawall Audio/Video" thread. I specifically challenged him on several points. One of his responses was that he could not believe that my posts were tolerated on this website. Basically if he can't win, he'll take his ball home. Please see for yourself. It was painfully evident to me there that he was a gulf-front property owner basher.

Oh here's another winner.....
SJ, called echopal on the bad analogy, and very logically I might add...


Then ecopal responds...


I suppose it depends on ecopal's meaning of the word "such". IMHO, ecopal, is just, well, "too much" (how's that, Kurt?). I have never seen anyone back pedal as fast as he did after SJ's challenge.

BTW, if SJ's reaction is knee jerk in nature, I guess ecopal would consider my reaction a meltdown. Maybe that's his objective. Are you guys setting me up????

Then on top of that ecopal also said...


What physics book has ecopal been reading lately? Since SJ obviously missed the meaning of "such as" (in your view), what the heck is your definition of "further back"? One house? Two homes? One block? One mile? Ten miles? Gosh, sounds a lot like a question I asked ecopal about how "much" was much when it came to sand lost last week at BMB that ecopal photographed, posted, stated his negativity and then FAILED to QUALIFY that picture in ANY WAY, even after he was repeatedly challenged. Why in the heck would he think those that are non-gulf front are more significantly immune than gulf-front? Otherwise the wind insurance difference is a complete non-issue within a large area of COASTAL property (not just gulf front).

ecopal is losing total credibility and rapidly. He should stick to turtles and such as his name suggests. They won't challenge him.

I did however see two turtles talking to one another (by my retaining wall BTW) and laughing and pointing at some guy taking pictures up and down the beach.... oh wait a minute.... that was me they were laughing at.

This wind insurance thing... just another vain attempt in echopal's repertoire of "ways to bash and discredit" gulf front property owners as well as create division between GF and non-GF neighbors. Does it make him feel good? What the heck is his true motivation? I'll buy anyone dinner (my choice where however ) who can convince me they have the true answer, even if you don't own gulf-front :funn: .

I won't even bother asking ecopal directly, as he left me "high and dry" (retaining wall / bluff pun intended) on the other thread by not responding to my very direct questions!

Enough of this for now.

BTW, I did just check to see if ecopal started this post on April's fool day. If so, then I was just "had"..... nope started on March 30th. Must be his true color.

Sorry SJ, for addressing this post to you. But the more of this thread I read, the "crazier" I got. I hope you can understand. Continue the insurance crusade, at least.

Thanks![/QUOTE]





________________________________________________________________

FROM CHICKPEA:

BMBV - please relax! Some of what you say is actually interesting if one did not have to read dollops of sarcasm on top of dollops of insults on top of dollops of subjective opinions. Deciphering what you really want to say and contribute is becoming harder and harder - make your point please without attacking other posters.

I have read all these threads with a lot of interest and believe that most of us want a healthy debate about the real issues of insurance, beach erosion, retaining walls and their myriad of complications and potential promise, etc... I understand your need and desire to protect your property, can appreciate the research you genuinely seemed to have done but also wish that we could read all pros and cons without having to wade through so much extraneous information.

Ok? Please!

 

[ecopal]

________________________________________________________________

FROM CHICKPEA:

BMBV - please relax! Some of what you say is actually interesting if one did not have to read dollops of sarcasm on top of dollops of insults on top of dollops of subjective opinions. Deciphering what you really want to say and contribute is becoming harder and harder - make your point please without attacking other posters.

I have read all these threads with a lot of interest and believe that most of us want a healthy debate about the real issues of insurance, beach erosion, retaining walls and their myriad of complications and potential promise, etc... I understand your need and desire to protect your property, can appreciate the research you genuinely seemed to have done but also wish that we could read all pros and cons without having to wade through so much extraneous information.

Ok? Please!

Thank you Chick pea, you have summarized the problem well.

It would be nice to be able to post ideas without being personally attacked and having one's opinions misrepresented and distorted.

 

[BlueMtnBeachVagrant]

FROM CHICKPEA:

BMBV - please relax! Some of what you say is actually interesting if one did not have to read dollops of sarcasm on top of dollops of insults on top of dollops of subjective opinions. Deciphering what you really want to say and contribute is becoming harder and harder - make your point please without attacking other posters.

I have read all these threads with a lot of interest and believe that most of us want a healthy debate about the real issues of insurance, beach erosion, retaining walls and their myriad of complications and potential promise, etc... I understand your need and desire to protect your property, can appreciate the research you genuinely seemed to have done but also wish that we could read all pros and cons without having to wade through so much extraneous information.

Ok? Please!

OK. I got some sleep last night after the post.

Here's MY propblem. I own a couple of pieces of property here in BMB. It certainly appears that ecopal has expressed his dislike of gulf-front property owners over and over in the retaining wall threads.

Now, as I just happened to read this thread on insurance, I see that ecopal starts this thread while at the same time seemingly blaming gulf-front owners for the reason that everyone's wind insurance is going up.

Is it just me ?????

I don't think so based on at least SJ's reasonable and logical response to ecopal's misguided analysis.


ALL THE FOLLOWING ARE QUOTES FROM ECOPAL ON THIS THREAD:
"So essentially that surcharge is like a tax imposed on those to live in less hazardous areas of Florida to subsidize those who built in more hazardous areas such as on the beachfront."

"Joe, it is not like you to have such a knee jerk emotionally charged angry reaction. Maybe you should reread my post ."

"I did not say or even imply that beach front homes are causing the assessments. I said ?such as the beach front?. "

"I feel that the assumption that all beach front homes are the most at risk for hurricane wind damage than some of those further inland is faulty. "

"However before I pursue this defense of BF homes I should respond to SJ. "

"My goodness SJ, why are you so temperamental and defensive?"

"You are acting a little bizarre."


I'm asking ecopal... Was the reference to "beachfront" homes just a Freudian slip within a post that should have more appropriately referred to homes located in a coastal region? Lots of difference in my mind (and SJ's as far as I could tell).

My only real beef here is with ecopal and his obvious hatred for ALL gulf-front property owners.

I'll lighten up again.

But I hope you trully understand the idiocracy of ecopal's "beachfront" property reference thing. Doesn't make sense when he posted it... doesn't make sense now.

Sorry to be so DIRECT in my last post, but can you start to see a pattern emerging here (besides my insanity )? Ecopal is consistant. I'll give him at least that.


THE BOTTOM LINE TO THIS INSURANCE THING....
Regardless of what we post here, these boards will not affect the outcome of insurance rates, deficits, etc. It's just that ecopal (and Shelly) saw it as another opportunity to vilafy gulf-front property owners in my opinion.

 

[Rita]

Criminy!! The attacks get so old BMBV! Irregardless of who one agrees with on whichever point or whatever subject, you only lose credibility with the flaming and attacks. I thought Kurt asked us not to FLAME..

We need a new emoticon, Kurt..................

 

[Cork On the Ocean]

Criminy!! The attacks get so old BMBV! Irregardless of who one agrees with on whichever point or whatever subject, you only lose credibility with the flaming and attacks. I thought Kurt asked us not to FLAME..

We need a new emoticon, Kurt..................

I agree Rita, the superfluous attacks and sarcasm serve no purpose to anyone but the poster. It makes the post too cumbersome to even read and psychologically creates a bias against the poster so that their points aren't considered on their merit. Some information without all the distraction would be nice and would better present their thoughts to an open-minded audience.

 

[BlueMtnBeachVagrant]

Criminy!! The attacks get so old BMBV! Irregardless of who one agrees with on whichever point or whatever subject, you only lose credibility with the flaming and attacks. I thought Kurt asked us not to FLAME..

We need a new emoticon, Kurt..................

You're right.

Now, any comments regarding ecopal?

 

[BlueMtnBeachVagrant]

I agree Rita, the superfluous attacks and sarcasm serve no purpose to anyone but the poster. It makes the post too cumbersome to even read and psychologically creates a bias against the poster so that their points aren't considered on their merit. Some information without all the distraction would be nice and would better present their thoughts to an open-minded audience.

You're also right.

Now, any comments regarding ecopal?

 

[Rita]

You're right.

Now, any comments regarding ecopal?

Ecopal, or any FLAMING poster, tends to lose some credibility with flaming and attacks.

Ask shelly ... we've called her/him on this before. She/He stops for a while then is back at it..... Sorta like some of us who do "drive-by posting" - (Allifunn's new saying.

)

 

[Smiling JOe]

All insurance questions answered with YouTube - Fatty Dance.