The insurance crisis in Florida is hitting the middle-class family, working community and retirees on a fixed income directly. Hundreds of thosands of residents have lost insurance coverage, and even more have seen policy premiums double. It is not uncommon to find homeowners who are paying more for insurance than their actual mortgage payment. Unfortunately, the situation is getting worse.
Farmers Insurance has notified the state they are pulling out of Florida, will not be writing any additional policies in the Sunshine state and when existing policies expire, they will not be renewed. Home and auto policy rates have already doubled in many areas for many people.
The insurance situation is becoming more unstable by the day, and the future outlook seems even worse amid reports that even more companies are planning to exit.
FLORIDA – Another property insurer is dropping coverage in Florida.
Farmers Insurance will stop writing new business and not renew its existing “Farmers-branded” automobile, home and umbrella policies in the Sunshine State, the company said Tuesday.
Last month, Farmers said it was only pausing new business in Florida. The company is also limiting new home policies in California, where it is based, according to news reports.
“This business decision was necessary to effectively manage risk exposure,” the company said in a statement.
The move will impact 30% of the company’s business in Florida, or roughly 100,000 policies. Policyholders affected by the decision are required to be given 120 days’ notice that their coverage will not be renewed.
Farmers on Monday sent notice of its plans to the Florida Office of Insurance Regulation, which is reviewing it. Insurers must give the office 90 days’ notice if they want to discontinue writing business in Florida. (read more)
The insurance company withdrawals works in concert with investment groups who prey on the outcome. Single family homes and even large condo developments are squeezed into a situation where housing is no longer affordable. The investment vultures then swoop in and end up controlling the properties.
Florida’s working and middle-class is being destroyed and a divide between the haves and have-nots is being created. The wealth gap is expanding as families are forced to leave the state and a larger percentage of self-insured rich people move in.
Long before Ron DeSantis became a potential presidential candidate, and long before Hurricane Ian devastated southwest Florida in 2022, I was highly critical of state policies that were not constructed around the backbone of the economy, the working class. Temporary H1B Visa workers replacing permanent residents as a workforce to fill the gap is not a long-term solution.
When you stop paying attention to the economic systems that support a sustainable service and production workforce in Florida, this snowballing outcome is predictable. None of it is good. Unfortunately, as I forewarned prior to the COVID era, Governor Ron DeSantis is creating a class-war tinderbox. The sentiment on the ground is increasingly growing angry. His absence is only making it worse.
and when DeSaster returns home, after being humiliated by the man who made him Governor, he won’t have the political clout or timetable to fix the situation. And voters will likely punish him for it.
“DeSaster”
Stealing that! LOL
DeJudas
Unable to think for yourself, you parrot others, just like all Trump worshippers.
Blow it out your Biden!
“A picture is worth a thousand words”
I wish my eyebrow could do that 😂
I can tell you right now, princess, you are in the wrong place to troll and be a smart mouth.
Fox News and Yahoo are for your ilk.
This site of for like minded, decent, and thinking citizens, who want to be informed in a truthful way.
Your ilk are not welcome here, whatsoever. Take a hint, clown…….
Richard Cranium a tres!
oh UGH – THEY’RE BACK!!!!!
Be gone Troll!
Are you crying?
Speaking of thoughtless parroting LOL
Random, I swear you are actually a Treeper who parrots the NeverBackDown crowd so that we respond to the nonsense and thus further educate the new people who find the Treehouse everyday…you are kind of a “Reverse Psychologist” for the Treehouse…even if I am wrong you are doing us a great service.
Go ahead and back any RINO Loser that you want to OR go back Pedo Joe or Demon Von Hair Gel.
Sounds like you’re parroting TDS.
Come on then Random. Give us your take on this dire situation, or are you one of those DeSantis ass kissers, or worse, a Gillum ass kisser?
Is that you Steve Cortez?
He never PLANNED on “returning hom to Fla.” and this supports my contention he is NOT the Romney, designated loser for 2024, Gavin is.
I know “owners” of financed autos are REQUIRED to carry full coverage Insurance, to protect the financers, I assume Homeowners have a similar requirement?
So yeah, this guy is the vulture Capitalists man, and they want him in the WH, to finish what Joe has started.
Goggle is HELPING him, by throttling any negative info about him …how much more do you need?
Gavin, Michelle (yeah right!) or whoever is the D nominee, is just to force us to vote for RDS, thats their plan.
Fortunately they are getting punched in the face, and their plan which looked SO good on paper 6 months ago, is looking like crap, now.
And, as is obvious FROM observation, this is “rule by committtee, there is no one person “calling the shots”; which means they are loathe to abandon a plan, even when its failing.
In the past, even when their plan is failing, the course of action has always been to double down on what is causing the failure.
Given that, expect even more deceit, tricks, con games, and throw even more money at it.
Like you’ve said in the past here, ( paraphrasing ), there is nothing they can do at this point to get enough people to support their chosen candidate because fake is fake.
Whether it’s a $50B fake candidate versus a $150B fake candidate, in the end, it’s still a fake candidate and there is no way for people to un-see that.
I’ve thought about that, but it goes back to not really having a choice so the cheating doesn’t matter. Maybe they punch the numbers higher for him that way, who knows? I doubt it, but I’ve thought through what you’re saying. I simply think they want ‘California’ values ruling everything.
One big difference between auto and home insurance is that the amount of liability coverage on an auto needs to far exceed the property damage coverage on the car itself. The opposite is true of homeowners’ insurance.
Not really. Have you ever had a car leave the road in front of your property, smash into a telephone pole on the utility right of way in front of your house, and the dead driver’s widow sues the city, the county, every utility using that pole, AND you for the pole being on your property?
I have. Luckily I had a judge who excused me because I had no choice in the pile being on my property. It still cost me $34,000 in legal fees…in 1986.
With Obama judges I might not have been excused and the lawsuit might have succeeded.
For slightly different reasons, but also including yours, I agree that the Ruling Class has had enough of Xiden and his cultural Marxist nonsense, his dangerous and incompetent foreign policy, and overall buffoonery of his administration. And yes, I think the Ruling Class sees (or perhaps saw) DeSantis as the preferred candidate to assume the White House.
The problem is that DeSantis-like the dog food the dogs didn’t like and wouldn’t eat-can’t be repackaged, rebranded or marketed enough to interest the voters. Yeah, the 2020 and 2022 elections were rigged, but there is a point where the general population will call BS if the cheating is blatant enough.
And that is the dilemma for the Ruling Class. Kama Sutra is a non-starter; Newsome would be an only slightly more competent-but perhaps more irritating-version of Xiden, and Trump…..well, as we all know, a second term for PDJT is completely out of the question for the Ruling Class.
So now, the Ruling Class must go back to the grab bag of retreads (Hillary), incompetents (Moochelle), and vapid relative unknowns to find an acceptable candidate they can squeeze through the general election with only a modest amount of election chicanery.
Over $100 million dollars could not make the Republican primary voters warm up to Jeb!. I suspect that nasty tasting dog food (DeSantis) the Ruling Class is trying to shove down our throats won’t taste any better even if they spend $200 million.
No doubt Rupert and the rest of the backers have to find a different glass of Kool-Aid. I agree with Sundance that Kemp may surface. On the D-rat side they have a huge issue as KH is unelectable and Joebama is pretending to run until he receives his forced retirement teleprompter message due some time in fall. Newsom may be their new darling but even some D-rats can see through him. The cheat machine will have to be given a big dose of steroids. This election is for all the marbles and that is not hype. Alito and Thomas are not likely to last much longer and a President Newsom or some other Neo-Marxist fouls the Oval Office you know what happens next.
I think they’ll create another crises so they can switch to digital currency before the next election, and then they’ll try to FORCE people to vote for “the one” they want.
Yet another reason why I say we must do something NOW before all our resources are gone!
And just like that the WHO called it. Climate Change is the new emergency pandemic.
WHO Seeks Power Over Humanity by Declaring ‘Climate Change’ Pandemic
By JOSHUA PHILIPP
11 Jul 2023
https://www.theepochtimes.com/who-seeks-power-over-humanity-by-declaring-climate-change-pandemic_5389706.html
The World Health Organization (WHO) is negotiating a new pandemic treaty that could also give it powers to manage policies on climate change. This would give the WHO, and Director-General Tedros Adhanom Ghebreyesus in particular, the unilateral power to declare global pandemics and craft the response. It has backing from the United States and European Union. According to fellow travelers at the World Economic Forum, under the accord, “member states have agreed that it should be legally binding for those who sign up, overcoming early reservations from the United States.”
It also includes what’s known as “One Health.” As The Epoch Times reported, One Health is a “broadening of pandemic response to potentially include things like farming, poverty, and climate change, which could either cause or exacerbate outbreaks, or impair peoples’ health in other ways.” This refers to anything that affects the well-being of humans, and everything under that umbrella will be within the powers of the WHO, the globalist member states, and its so-called stakeholders.
The WHO/WEF need to be swept into the sea!
I sense a calculated UniParty attempt to continue bashing Florida using all means possible (e.g. proliferation of Quora Digest/other social media anti -Florida comments by Never Trumpers, deranged Dems, etc. – possibly created/enlarged through Artificial Intelligence?). I feel the objective is to tar both Trump and DeSantis with the same anti -Florida brush and offset legitimate criticism of Newsome’s blatant mishandling/intentional destruction of all goodness in California. I see Newsome as the definite Dem nominee for 2024. I will only support Trump.
It must be a sort of relief for DeSantis to drop the mask of a governor who has the interests of the people who elected him at his core.
And let’s not forget how millions offered their earnest prayers for Mrs Governor when she had cancer.
Ruthless and cold…the pair of them.
Give them 5 years and they will be broke. They are exceptionally low grade people.
Retired Magistrate here: Yes, if you have a mortgage on your home the financial institution requires that you have casualty insurance on the financed home.
So, many homeowners in Florida are getting hit from several different directions: higher insurance premiums, higher mortgage payments if you don’t have a fixed rate, higher real estate taxes, higher HOA fees, higher utility costs and higher costs to repair damaged homes from the hurricane. All that along with higher food costs, fuel costs, clothing costs, etc. and middle class Floridians are getting slammed. This is the time when you need a strong governor to help his citizens. That is what the people of Florida voted for when they gave DeSantis a second term; a good strong governor who would represent them.
Unfortunately the citizens of Florida got a governor who is a poster child for big business and the swamp.
President Trump is really the only one who puts American citizens first; the other candidates put their bank accounts first.
“Big business, the swamp”, and I have a feeling, the WEF.
Oh my goodness Marcia, I knew it was bad for Floridians but your comment makes me fully understand they have it much worse than I already imagined…and I imagined a lot…
To all Floridians, we ache for you.
Homeowners with mortgages, yes. Generally no one is going to mortgage you without insurance.
Retired Magistrate here: If you can’t afford insurance on your mortgaged home, the lender will purchase it to make sure they are covered. Of course, they will just add the cost to your mortgage payment. The lender won’t be concerned about the most affordable insurance; they just want to be protected. If a home owner can’t afford the property/casualty insurance in the first place then in all probability the increased mortgage payment will lead to foreclosure.
True, but, be aware that the insurance that the lender purchases will only cover the home. Not the contents, not your living expenses should you be displaced and a whole host of other items. It does absolutely no good to allow your “lender” to insure your home as the insurance will be more expensive and the coverage will not be anywhere as comprehensive.
Retired Magistrate here: I am not saying this is a good thing; just that is what lenders do.
Foreclosures in FL are climbing.
https://www.auction.com/residential/fl/?utm_source=google&utm_medium=cpc&utm_campaign=audrt_gs_mk_000_000000_0000_0000&utm_term=&utm_content=&gclid=Cj0KCQjwnrmlBhDHARIsADJ5b_nmyknZfIVTvgqU7P75Jl-WxpNFTAkzNGMY8owKjNpSbpJwr6X-BkMaAjljEALw_wcB
I know “owners” of financed autos are REQUIRED to carry full coverage Insurance, to protect the financers, I assume Homeowners have a similar requirement?
If you have a mortgage.
One always has the option to self-insure if they don’t have a mortgage. (Yikes!!)
Is it “Desaster”, or is it…
“DEE-Saster”.
Not sure how he is pronouncing it.
😁😂🤣
Dee as in DeeNC?
DeCeit.
Here I disgree with you about the Meatball being punished, or more succently I don’t think he cares about the Flordia voters at this point.
His political averice has blinded him and made him go all in. In a small way I pity the baffoon as he’s about to have the worse spanking (politically that is) since he was was a Child.
He had a net worth of les than 1/2 million on his filing – by the time the election is done he will be woth 10 or 20 or 30 times that courtesy Murdoch book deal and billionaire spiffs etc
RDS won’t be punished but Florida will likely elect a democrat/communist next time around. Voters on team red will walk away from this bullshit and go fishing or hunting or boating or just get sauced on the back porch. Something that works. The commies have another Gillum of some sort already warming up in the bullpen.
Let’s look at a completely “politically locked in” Jeb! candidate, Adam Putnam, that was EASILY set take the Gov position until Trump endorsed RDS. RDS then won.
Now, let’s look at where that deeply entrenched political Adam Putnam is. He’s up north as a CEO for a duck preserve.
So, there ya have it regarding Florida politicians. They make their grift and go away.
That is why he is going full steam with his BS! He wants a Dem governor elected
I’ll personally be at the front of the line.
He will return a very weakened governor, his future political career likely over as well. The legislature that is controlled by Republicans will be damaged as well and many of the bills passed in this legislative session that recently ended will come back to bite us as well.
Not a good outcome.
Hahaha. How exactly will “voters punish him”? Florida’s Governor is term-limited to two terms, and DeSantis is serving his second term. Your hold on reality is slipping away with each comment you make here.
Your hold on reality, along with your welcome here already slipped away, princess…..
Simple.
We will vote against him when he runs for Senator, after losing the Presidential election, and ends his term as Govornor.
That will leave him with trying to get appointed to a Federal position under whatever administration wins in 2024.
But will our vote COUNT ?
or will the Democrats/Swamp Creatures/WEF steal the election AGAIN ?
He will have to leave Florida to find a job… I suppose he can move to Portland, Chicago or Atlanta and become a Mayor. Where do you live? Do you want him?
I guess.
To add insult to injury:
PDJT is a taxpayer, business owner, resident, employer, and great representative for FL tourism. But Ron! treats him like dirt.
I do not know in dollar amounts how much PDJT contributes to FL but it has to be a lot of money and the RINOs in that state regard him and his family contemptuously.
So, imagine what they think of you and your working class/middle class life.
A prayer: MAGA, “America First” people “swamp the swamp” – beautiful, prayerful, strong people step up to run for governor in their states along with their fellow MAGA, “America First” compatriots for Secretaries of State, Lt. Governors, AG’s, legislatures, assemblies – overwhelming the machine – these are former Democrats and Republicans who are sick of seeing our country ruined.
Those that purchased him are unlikely to welcome any efforts to undo what he has already done on their behalf.
Hardly a better ready-made issue to gift to the democrats in the next election for the eternal culture wars.
Pay no attention to the ones driving this economic outcome while they get richer off all the misery.
The state government has already been preweaponized for such a tyrannical regime.
The market is already massively distorted to favor the uppity power obsessed Left.
The election system has been fortified for fraud.
RdS has paid off, even if they have to replace him in the Presidential contest.
That is a given.
A changing of “Suits” matters little to those that built and direct that system, except when it is not one of theirs.
Things are going to get more interesting and not necessarily in a good way.
Remember DeSantis’s predecessor.
Be careful what you wish for.
Uniparty always has a Plan B…always…while they thought “Trump without the Mean Tweets” would quickly and easily resonate with people on the verge of losing everything due to OBiden & Company they always War Game the “what if’s”…
Spitballing here…
So, WHAT IF Americans are really really fed up with RDS for numerous reasons outlined here and they cannot sell him?
Then the WEF/Uniparty removes “Good Cop” RDS (“you had your chance America”) so Rob can focus on Florida and his “ailing” wife and bring in “Bad Cop” Kemp to impose martial law for the good of “Democracy”….I rule nothing out with this Satanic crowd.
You can’t get elected if no one votes for you. They’re only set up to cheat a certsin percentage of the difference.
I believe most FL voters, like the country in general, is focused primarily on economic issues.
Do you really think a Disney kerfluffle is going to weigh more in voter minds than their insurance driving them out of their home?
I agree Circlin…but in my conversations with LOTS of people from all different walks and occupations…there is an unstated belief, I believe, by Trumpers that a President who takes care of OUR/MY financial interests then he most certainly will take care of OUR/MY moral interests…and to me those are the dots the UNIPARTY has not connected nor, perhaps, most of us.
Good comment!
Not stable. Not!
Looks like somebody needs to go home and take care of the business he was elected to do!
NAILED IT.
Looks like the cabal wants to federalize the industry by way of manufactured crisis
Looks like the cabal wants to end home ownership.
own nothing and be happy he said.
I want Klaus Schwab and his minions to own nothing and be happy.
I want the good people of Switzerland to drive Klaus Schwab to the Zurich airport and put him on a one-way flight to Beijing where the WEF already has an office . . . he can live there, own nothing and be happy.
Farmers is a mutual, not stock, company. Florida has been a mess for property/casualty insurance since at least Andrew. Fraud in all lines, which is rarely prosecuted in my limited experience (never got licensed there, although my husband has his), storms, rapid growth (rates are generally based on prior loss experience, and models used by insurers are not the same as the DIO’s), difficulty in finding competent employees, and current volatility in reinsurance https://beinsure.com/global-reinsurance-market-2023-great-realignment/ are making for the perfect storm.
Because house flippers and venture capital has overpriced the average house. What should be 80k is 800k and for some reason (California thinking) people (out of staters) are buying these cracker homes. There is no middle class because Florida wages are down right insulting. Tradesmen get 20 bucks an hour if they are skilled, do the math, that doesn’t allow for a stable household financial situation. When these people start to realize Florida is actually a swamp and not that comfortable (not talking about the villages lifestyle) they will leave. I have lived in Fl for 60 years, I live here because I enjoy fishing and sweating my balls off in the summer. My electric bill has doubled this past month and my auto insurance up 40%. This situation with Insurance and utilities, coupled with the low wages is going to break down. One more storm season and houses will be abandoned and the Bluebloods will flee. BYE!
“This situation with Insurance and utilities, coupled with the low wages is going to break down. One more storm season and houses will be abandoned and the Bluebloods will flee. BYE!”
Is this when Investment companies go in and purchase these homes for cheap and then, rent them out? Own Nothing. Be Happy?
Is this where illegals will be housed and their “rent” is covered by the Federal Government?
Is this where they make home ownership so unaffordable that we become a nation of renters?
Yep, politicians are embarrassed to discuss the low salaries of REAL hardworking folk.
I can’t wait for the wealthy to cut their own lawns, change their own sheets, switch their tires and oil change, paint their own homes and generally FO!
There was a time the wealthy actually created things, and that created jobs. Now its all hedge funds, social media, BS, and the high expectancy that everyone else will care for them.
I believe the purge will begin in Hollywood, and the Manson Family will look like saints by comparison
SAME as The OUTER BANKS of NORTH CAROLINA – FEW ” Haut and Tauters ” Left living there. The Virginians, the D.C. Crowd and Raleigh Gang has taken over.
FEW FISHERMAN and Subsistence Folks are left behind.
WHO CAN AFFORD to BUY, MAINTAIN and REBUILD on YOUR OWN DIME This House ?
https://housecrazysarah.life/unique-rodanthe-beach-house-in-north-carolina/
https://hatterasstorms.blogspot.com/
Notice how they are all going after low lieing, beachfront property,…cause they want to be able to personally measure the ocean rise, from Climate Change?
Holy ….! I actually stayed in that house back in 2009. The house used for the Nights In Rodanthe movie used to be located directly across Route 12 but the owners had it moved off the beach a few years later. Disclosure: The stay was back in my married days and my ex – wife was into Nicholas Sparks novels at the time.
I spent a portion of every summer in the OBX for the first half of my life… from Avon to Carova.
Iirc, when we started there was nothing but scattered houses & a Piggly Wiggly grocery store. It was sad to see it become so commercialized over the years.
So many fond memories… [sigh]
Same with Lewes, DE on Cape Henlopen. When I was a baby the beach population was about 2000 in the summer and around 40 in the winter. Small cottages with no heat or a/c. Awesome summer memories; when I was school age we moved down the day school let out and returned the day before school started. Good times!
We sold the beach house 6 years ago for 100x what my father built it for. The family who bought it added a 3rd floor and air conditioned the entire house. No more salty summer breezes.
The town now has a year round population over 100,000 and the roads are impassible. Cars everywhere. You can’t get a dinner reservation, you need to book weeks in advance for Friday and Saturday nights.
I have the best memories of my childhood there, and after a short last visit 3 years ago I have no intention of ever going back. Sad, really.
Suspect it would be listed for at least DOUBLE what it sold for in 2021. Coastal NC real estate is now at the LUDICROUSLY INSANE price level.
Does this mean that antifa and the terrorists freely crossing our southern border plan to begin burning down the country…in Florida?
…as per Biden’s orders?
This happens every time a bad hurricane hits Florida. Insurance companies love collecting those $5,000 annual premiums but hate paying claims. There’s a lot of things to blame DeSantis for but this isn’t one of them. The Insurance industry lobby is very powerful in Florida and has been for decades.
It’s not about blaming him for it. It’s the fact he was hired to tend to the business of the state and find solutions. Instead he’s running for the presidency and voters see this issue going unresolved.
You are absolutely right!
Same stuff is happening in California. The insurance companies are complaining because California has an Insurance Commissioner and caps on certain kinds of insurance.
And additional issues are the dramatic rise in interest rates. Insurance companies usually are invested in other cash and financial instruments. With insurance companies, the premiums are invested, usually in instruments congruent with the term of the policy. example would be that if you are dealing in life insurance policies, and your make up are to young folk, you would invest that money generally in longer term vehicles that pay dividends but most likely will not to be accessed immediately. Based on the state and regulators, long Treasury or Corporate bonds or even purchasing real estate may be just some of the options. But for more short duration type property and casualty policies, you would need instruments that do not lock you in to long term commitments, whereby like what has happened in these bank fails, if your investment team had your company loaded with longer term until mature instruments at a low interest rate, but now after raises to that of +5 percent, which actually makes it not fully funded till maturity, and then you have a larger pool of claims then what was expected, your only options are to reduce policies that are deemed to carry an inherent paying of claims. So let’s say you offer both life insurance and property. All of sudden after a pandemic and mandated shots, you have an after effect that could not be calculated that you find yourself paying out death benefit claims to a typical safe bet of long term health, but they have now spiked for a year to where healthy, usually young people are now passing at an increased rate of 15 percent month over month with no understanding or ability to know how long that is going to happen. Well for the solvency of the company longterm, you may raise premiums, but that may not cover what your exposure could be. So you then decide that taking the risk of covering a known reoccurring issue of policies for hurricane and floods. You know your going to have claims, the balance is this year where a major hurricane hits a widespread area, or just a couple of tropical storms. Insurance is based on covering liabilities but to make enough in premiums and additional sources of monies put to work, to make a profit. Not trying to justify all that insurance companies do. But if you throw into the mix unpredictable possible long term payouts on claims that should not be occurring, how do we keep ourselves solvent, you may decide to not expose your self in an area you expect to have claims, but is this a quiet year, or a major liability pay out. You may just decide to not take on that additional risk.
But wasn’t there a bunch of reform legislation that has been signed and passed. I believe it took affect right after Hurricane Ian which will be the last storm under the old laws. Unfortunately, it will take a couple of years to really see how that legislation is going to affect things in the market.
Once the litigation costs have been stabilized, then, a lot of other costs will follow. My brother in Cape Coral was flooded and had about 4 to 5′ of water in his home. House is approximately 1,500sf. After the flood receded, just to tear out the interior he was receiving bids ranging from $62K (highest) to $26K (Lowest). All of them ridiculous.
Myself and three other guys, mucked the place out and tore out the place over the course of two days and he gladly paid each $1,500. The most difficult part was for him to locate a dumpster. Had three (3) different neighbors all want to pay us to do the same, but, that just wasn’t in our plans. However, the contractors down in Florida are ridiculous in terms of what they are attempting to extort.
Doesn’t fl. have a descent sized budget surplus? Must be a way to help with these escalating rates. People have complained about rising insurance rates for years..
Had a talk with my agent who works with Allstate. I have used citizens for the 23 years I have been here. Mostly for hurricane (also known as wind) I now also have homeowners with citizens. The agent I spoke with told me the reason she DID NOT use citizens. Somewhere in those 30 pages is a clause where if we get another hurricane and citizens doesn’t have enough to pay out they can charge a surcharge of up to 50% of premium.
If I wasn’t married ,I am not sure if I would even carry any insurance. My wife is a worrier and I am more willing to take on risk. Insurance is such a racket no matter where you live. Have payed more than 125,000 in insurance since I have been in fl without ever having a claim. I know there are many on these branches who live in fl .
My only suggestion is Pray and help others.
DESANTIS DID MAKE THE INSURANCE WORSE! Stop pretending!
1) The state insurance agency is broke and will go under after the next hurricane. This insurance is the last resort choice for people if they can’t get private insurance.
2) The state allows insurance carriers to demand that a roof can’t be older than 15 years. If it is you LOSE your insurance!
3) Without insurance your mortgage company will force you into a high cost plan and then take your house when you go bankrupt.
4) The state is forcing new rules on HOA’s and condos that will TRIPLE or quadruple HOA and condo fees. AND, the condos will have to have a maintenance reserve and most homeowners can’t afford that one time cost.
5) The state is forcing a lot of homeowners to have flood insurance, even if they are not in a flood zone.
DeSantis is an ass*
.
Correct, although Obama is to blame for the flood insurance.
.
I have been told insurance companies were demanding a new roof at the 10 yr mark!
If an HOA/Condo assn doesn’t have a maintenance reserve, you shouldn’t have bought there. It simply makes sense. Plus, every month a part of the HOA should go into the maintenance fund for things like refurbishing of pools, roofs, driveways etc.
My parents have had a condo on St John’s Island for over 25 years. When they bought it, they paid a one time reserve fee so they had a share in the maintenance pot.
I’d like to know what other changes were signed into law recently that means fees will double/triple/or more. My father is on his condo board, knows the laws, and he’s not talking such a massive increase.
Re: #3 – high cost insurance ordered by your mortgage lender also covers the dwelling only (their collateral), not your contents or possessions.
And when Surfside. fell down, Ron DeSantis ordered the insurance company to pay a huge claim within a year for PR purposes. The HOA refused to vote to do the maintenance because it would cost their members too much so they kept putting off the maintenance, very expensive, thinking someone else would fix it someday, since they were all older. Then it was too late. It was the owner’s fault that the building fell down. Right after, the big companies began leaving Florida.
I was also told that to start an insurance company in Florida all you need is 15 million dollars.
1) Well, if it is going to go broke, doesn’t that mean that they are either losing money or their reserves are not adequate compared to what their exposure may be? Because Citizens has an artificial cap on how much they can raise their rates, it has become the defacto “cheap” insurer in the state of Florida. This policy was implemented long before DeSantis became governor.
2). Insurance companies have always been allowed to do that. Nothing has changed. It’s just that they know that when a roof gets past 10 years old, those roofs in Florida are more likely to have problems. The only thing that I don’t like about this practice is that they should require the insurance company to make a physical inspection. No two roofs are identically the same and some are better than others. However, the insurance companies would balk at this because it costs them money to do so. As opposed to an easier and cheaper “blanket” process.
3). If you go bankrupt, that is on you. You can always sell the home and pay off your debts.
4). HOA’s and Condo’s are notoriously cheap and poorly run. Unfortunately, you always have people involved who will refuse to properly maintain and upkeep their property. Most condo owners think that they have purchased something that is maintenance free and that is the furthest from the truth. Condo Roofs wear out. Cooling/heating systems fail. Exteriors/Windows/Doors and facilities all deteriorate. Same with a house. If you are not budgeting to replace your roof every 20 years or so, your cooling system every 15 years and still doing all the regular upkeep on the property, then, the property is not being properly serviced. The maintenance reserve is something that should always have been in place. Instead, they make the landscape look pretty.
5). There are a lot of places that are not in a Flood Zone that still flood. The only people who are forced to have Flood Insurance are those in Flood Zones and have mortgages. It is the BANK that makes them have flood insurance. Not the state. For Hurricane Ian, less than 50% of the people with homes in Flood Zones had flood insurance. Why? Because the majority of them had their homes paid off and decided that it wasn’t necessary. That’s called a self-inflicted wound.
Like or hate DeSantis, but, all of the mechanisms in place were there long before his tenure. The litigation costs due to Florida’s terrible regulations gravely contributed to the increased costs. Unchecked price gouging hurts as well. Too many people out there take the tact of “well, I have insurance that will pay for it” and don’t care about what it costs. Just get it done.
The insurance companies then pass those costs to you and I. At this point, the recent legislation that passed is supposed to get the litigation costs under control. We will see. Next, it will be reigning in the roofers and contractors because if you saw what they were making, you would aim your anger at them as well.
I’m old enough to remember SundanceCracker. Good times.
Having family still working at Farmer’s makes this maddening.
F RhonDaSantis
Good to hear from you, CZ!
The insurance crisis in Florida is because Homeowners Insurance is a scam. Why? Claim denials are at their highest levels ever. The root cause is the anti-Floridian
pro-corporate policies of the DeSantis administration.
The massive insurers like Farmers try to blame the issue on fraud by Floridians, but the truth is Florida has (1) some of the highest cost natural disasters in the country (hurricanes), plus (2) the highest rate of insurance denials by insurers, plus (3) the highest rate of lawsuits against corrupt insurers.
Why? The massive insurance companies illegally deny Floridians rightful claims for coverage, and pretend the denials are not fraudulent (hint: they are).
This is another area DeSantis is in bed with corrupt multinationals, in particular home insurers.
Source:
Homeowners Insurance is a Scam (Florida)
Big Insurance and Government Rip off Homeowners (whistleblower video)
From the link…
“Ron DeSanctimonious is delivering the biggest insurance company BAILOUT to Globalist Insurance Companies, IN HISTORY,” Trump wrote on his social media platform Truth Social in March.
These increases come as DeSantis has rubber-stamped policies accelerating insurance company profits at direct cost to homeowners and Florida taxpayers broadly.
During a special legislative session in May 2022, lawmakers approved a $2 billion reinsurance fund, which is insurance for insurance providers that is typically purchased on the open market.
The taxpayer-funded reserve was justified as a way to protect insurers from bankruptcy in the event of a cataclysmic event while simultaneously lowering insurance costs for consumers. Despite those promises, insurance premiums have remained exorbitantly high, with rate increases outpacing savings derived from the fund.
“The $2 billion giveaway program, which used taxpayer funds to subsidize industry risks, was called ‘Reinsurance to Assist Policyholders,’ but there is little evidence that it lived up to its name.” the report states. “Costs for policyholders rose after the passage of the taxpayer-funded subsidy.”
https://theintercept.com/2023/05/03/ron-desantis-insurance-industry/
Not only is Ron DeSanctimonious delivering the biggest insurance company BAILOUT to Globalist Insurance Companies, IN HISTORY, he is using Florida taxpayer $$$ to do it.
“Friends of Ron”…
Indeed
Frankly, Insurance is a scam.
To start with, the rate is based on evaluation of the accessed value of the property, ehich is value of the LAND, and the home that is ON the land, but as powerful as hurricanes (or tornados or fites, for that matter) are, the land is USUALLY still there, and not really damaged, and yet part of the premium is based on the value of the PROPERTY.
Credit forces you into Insurance, hence I refuse to play that game. No credit and self-insure,…sort of, lol.
Having shopped for health insurance for a former business, it is a well oiled scam.
The biggest offenders are the dental add on, as well as the eyeglass coverage to your base policy.
Essentially whatever maximum amount they will cover … say $1,000 per employee/per year X (10) employees = your yearly premium = 10,000.
2 employees hit max for the year (or a combination of all 10 employees), they made 8,000 pure profit, they can’t lose money on it.
Worse case scenario ….. they break even if everyone maxes policy out every year … that just doesn’t happen, it’s guaranteed profit margin.
Home owners is basically the same only on actuarial basis, hurricanes screw that up on a regular basis by maxing out the (premiums) income vs actuarial timetable (that they are using) has put them into the RED zone, can’t stay in business that way … profitably anyway.
A few ways to close up the difference, but I will digress from here… another topic.
Exactly! Get off the credit merry go round. Assess your personal risk exposure- weather events both expected and possible, freak accidents, fire – and go from there.
People need to start living below their means. Save the difference, buy what you have the cash for. Learn skills, repair your own.
My dad tried to tell me that 55 yrs ago. I was too smart.
sigh
If you think homeowners, auto etc is a scam, you will not be surprised at the “insurance” the USPS sells you on a package.
Insurance means acceptance of the other persons risk for an item/object of agreed upon value. the post offices takes your money for “insurance” to insure a package for $100, agreed upon in advance. then if the loss occurs, they THEN require you to PROVE the items worth. If you cant prove it with store receipts etc (third party stuff) then they wont pay. Post office insurance scam is just on a smaller scale, but they make up for that in volume.
I came here to post that Building Integrity video. Very much worth watching.
The wealthiest people I know, friends and family members, work in the insurance industry.
Fascinating videos!
Karl Denninger wrote about this on Saturday, especially the fraud involved with claims after a storm and that buildings are not being built to code so they can’t withstand a storm.
https://market-ticker.org/akcs-www?post=249227
DeSantis just used Trump like a pimp uses a hooker. DeSantis is the RINO puppet while Biden is the Marxist puppet. He’s destroying Florida.
Can someone explain in a nutshell what caused this issue?
Ron DeSanctimonious gave away $2,000,000,000.00
(2 BILLION) of Floridians taxpayer $$$ to subsidize insurance industry risk “going forward”.
Now that the Insurance companies have their $2,000,000,000.00
(2 BILLION) they are eliminating the risk “going forward” and Ron DeSanctimonious gets his Presidential campaign donations.
See how that works?
One would have thought that it was an emergency fund backstop like Texas has. Basically insurance companies write policies for the state fund in the first two coastal bands. Then more inland at bands 3 and 4 we pay more than the at risk homes.
But obviously I thought wrong.
Having lived in Mexico for nearly a decade back in the 80’s, we know when a society is corrupt insurance becomes unavailable. How can businesses and families survive when theft and vandalism goes unpunished. In the future houses will have to be built impervious to fire like much of the world is…
Or houses will be built so cheap and ramshackle that they can easily and cheaply be rebuilt.
Like the shacks and cardboard houses in so many of the crappy third world countries.
These “homes” are so cheap that when a natural disaster or fire destroys them it only take the residents in the community about three days to rebuilt shanty town.
and financing homes is unavailable also. In S.Korea you pay in advance, before it is even built. Not saying S. Korea is corrupt (I dont know) but it works differently (or doesnt work) in other countries.
Same thing in California, BTW:
They are making home ownership too expensive. Then investment groups will purchase the properties that no one can afford. Then they will become rentals.
This is exactly what Catherine Austin Fitts has been saying for a long time.
I believe this is what is happening in big Democrat run cities (sh*t holes). Make it so undesirable to live or work there, then some vulture (can you say C C P) swoops in and buys it for next to nothing.
Ronnie’s setting Florida residents up for a filthy democrat governor.
Crisp was bad enough, but Gillum wouldn’t have had much interest in SW FL.
The current Lt. Gov. I heard she is a real piece of work.
Starting to think this whole “Florida is the best-run state with the best governor ever” thing was really all just a bunch of smoke & mirrors. They sure fooled a lot of people.
It fooled me for a while.
I thought for a bit that this DeSantis guy was on our side and the real MAGA deal.
Since I was not from Florida and have no family there I just did not know the guy very well.
It did not take long to figure out what he was once I started looking into him.
Good morning, as you have just woken up!
What we watched was 4 years of narrative engineering, ALL words, actions by RDS were planned out, and scripted to position him as “Americas Governor(stole that from Rudy) of the Free State of Florida.”
yes, they fooled plenty but hopefully “they won’t be fooled again!”
We first bought a home in Port Charlotte in 2010 after swallowing the hook. (Was living on a sailboat in the USVI )
They were giving homes away. We bought a doll house for $48k….
Then we had a motor home in SW Florida until Ian drowned it. During the covidiousy we spit our time between Florida and the People’s Republic of Ohio run by widdle mikey dewhine.
Florida was WAY mo better and returning to oHIo after weeks or months in Florida was painful to say the least.
Winter in SWF is heaven on earth! Summer not so much.
When Ronnie comes home after the shellacking Trump gives the whole world will know that his Florida miracles was smoke and mirrors
You have to factor in the unpredictable weather. It’s high risk coverage and no insurance company, no matter how reputable, would soon go bankrupt paying out this many claims. There’s many other states to live in.
How many Insurance companies that “offer” Auto/Home also “offer” life/health?
Cause any in Life/Health are going to take one hell of a beating, due to the Vax, unless they try the exclusion for taking “experimental meds”?
We KNOW they are experiencing a 1:100 years die off. HOW are they responding? Are they denying claims, or is the Govt. funneling $ to them, perhaps as”Covid relief”?
Inquiring minds want to know,…
At least a few life, disability and LTC insurers are having agents follow up on disability and death claims, to verify cause of death and disability (e.g. covid, misreported vax injury, etc.), because medical records and death certificates are often incorrect. An article I saw a while back is 404’d now or I would link. My husband’s employer used their internal data early to determine they would not mandate or recommend vaccine.
They are not denying claims, and I can’t see any department of insurance or court allowing them to do so. We shall see in the future if employers are sued for mandating vaccince that caused employee injuries: https://www.insurancejournal.com/blogs/big-i-insights/2021/02/22/602123.htm
Dutch, It appears from my MAGA friends in the life insurance industry that PUBLICLY TRADED companies (think: AIG) are lowering term life insurance premiums, implying no concern with the Jab…whereas mutual companies (owned by the policyholders) began echoing concerns two years ago about the rising death rate…this puts the mutuals in a competitive bind…as I see it, the WEF/UN/Uniparty has even weaponized against the quiet sleepy mutuals that neither Wall Street nor Hedge/Investment funds have any control over.
Florida has always had “unpredictable weather”.
This isn’t new.
And it wasn’t new when they threw their hat into the ring back in the day.
Why leave now?
I’m going to guess because prices of homes esp right on the water are stupid expensive and the people who afford those homes put very expensive things in them.
Partly because the population of Florida has increased, the number of dwellings has increased, and thus their exposure has increased.
It’s only high risk if you let people build in risky places like barrier islands, flood plains and the like. Over and over and over again.
Sundance. It’s almost 1am here so I’ll take care of the donation issue in the morning. I’ve got to absorb your message about instant and proprietary (PayPal vs the yellow box).
What I wanted to note is you talking about the retooling of DeFraud happening right away, not waiting for 3-4 weeks.
Interesting pro-Defraud article by Daniel Horowitz at The Blaze… written on 7/11.
“Insurance” as it currently is in this country is BS and a scam. Just like college. And healthcare. The whole point is to bleed you dry instead of actually getting a real job or solving the problem.
Well … this is the PERFECT outro for the BAD SONG that has been the De$anti$ campaign to defeat PDJT. Sorry … but the Governor will be staying in FL … attending to the business of the people of Florida. If he doesn’t do this … it will be certain political death. Permanent political death. You think the backlash was bad when Ted Cruz was vacationing in the Caribbean while Texas was freezing and the wind power grid FAILED? If De$anti$ keeps campaigning for POTUS while the residents of his State go bare with no insurance for their homes … just WAIT!! He will be crucified … and not only will he NEVER be POTUS … he’ll never hold political office ever again.
https://www.musicradar.com/how-to/song-sections-explained-intro-verse-chorus-middle8-outro-tag-bridge
Bienveidos Gov. Kemp … Ronnie’s replacement.
To be honest I am a bit confused about how this is DeSantis’ fault? Insurance companies are the canary in the coal mine for overall economic conditions. They have been hammered by hurricanes in FL, combined with serious hits to their investment portfolios, and then big losses in CA, OR, ID, and CO.
Combined with the fact that Florida will be hit by another Cat 4 or Cat 5 storm in the next 5 years an insurance company would be insane to stay in the state.
Last fall I visited and was amazed at the urban sprawl and development all across the state. Locations that are 5 to 10 feet above sea level being developed or areas once covered in swamp.
Just because someone builds it, buys it or lives in it does not mean someone else has to insure it.
I will also disagree that big entities are looking to snap up these properties. Their risk would be more significant than an insurance company. Right now the biggest buyers are who Sundance called rich self insured, I will call them too much money too little sense. They don’t know what they are getting in to.
Like the folks moving into my state from all around. This last winter sure sent them scampering for warmer climates :). Does not prevent them from mucking things up in the process. Both Laramie and Cheyenne are quickly catching up to Jackson for lefty yuppiness.
On the flip side I feel for all you longterm Floridians. You have seen it coming and now we are in it. Much like that recent headline out of California pretty soon 40% of Florida residents will be looking to leave.
I know that after our last trip we won’t be racing back (reference to the wild behavior of Miami drivers on 95).
Exactly…this is not “just a Florida” problem, most States are being dealt this scam…and it starts when people move in from other areas, demand ‘X’, then ‘Y’, and the Statehouse moves to expand their “oversight” with more regulations that effectively cost residents more each year. The proverbial perpetual motion machine.
Some areas never should have large settlements, but it’s impossible to dissuade the general public from moving to these places without them truly understanding the locale or what it takes to live there. Colorado has floods and fires, and has a few of those more recently. Last year the Insurance Commissioner made a deal with insurance companies to spread the Marshall Fire liability to the entire state, I’m 120 mile away and our premiums went up 34%. We switched carriers when all I got was excuses from our 20+ years with American Family agent, who effectively lied. Just another set of grifters and cheats…but had nothing to do with Polis…it was the statehouse Dem’s.
That saying: “If you build it they will come.” Nature has a way of leveling the playing field and insurance has been a business model that preys on premiums while trying not to pay out so their “shareholders” (another argument against corporate insurance) can make great gains. Thieves.
I warned everyone a year ago that Florida and Texas could flip democrat.
Things like this, caused in big part by DeSantis and the legislature, will do the trick.
Ha ha. Steve Cortes worrying about the financial future of young Americans while being a traitor to PDJT who was actually succeeding in Making America Great Again so that these people could have a bright, financial future.
What a loser Cortes is.
Wonder how much this move speaks of Florida than it does of Farmers Insurance since this is the second State they are withdrawing from; is this company, itself, on shaky ground?
Wonder what other insurance companies are also considering removing themselves from Florida; State Farm recently announced they would no longer be providing coverage, also in California.
Are there any websites that follow the strengths of insurance companies, am wondering how they are affected by the increased mortality numbers from the virus, compared to high coverage costs from the big storms of Florida and huge fire damages from California.
What would be good search engine keywords to use to find the relative strengths, and weaknesses, for the insurance companies?
A.M. Best is a reputable older co. that does credit ratings for many insurance co.
Thanks.
My husband used to work on setting rates for different states/areas for homeowner’s insurance for a large insurance company which I will not name. Some states were so difficult to work with/insure that this company would not do business there (I believe it was NJ back in the day). I’m sure that still exists. They have to look at their fiduciary responsibilities before they can write a policy in certain areas. I’m not saying who the bad guys are here, especially since my husband left to retire the whole world has changed, just wanted to throw that in for what it’s worth.
Good questions Bessie. The insurance industry is part of the corruption. Look no further than our “healthcare” system.
Just sayin’…
*****
Florida is now America’s inflation hotspot
Excerpt:
Florida is America’s inflation hotspot, thanks to a persistent problem with sky-high housing costs.
The Miami-Fort Lauderdale-West Palm Beach area has the highest inflation rate of metro areas with more than 2.5 million residents, with a 9% inflation rate for the 12 months ended in April.
That’s more than double the national average of 4%, according to data from the Consumer Price Index. The Tampa-St. Petersburg-Clearwater metro had the third-highest inflation rate in the country, at 7.3% for the year ended in May.
https://www.cbsnews.com/miami/news/florida-is-now-americas-inflation-hotspot/
Miami-Fort Lauderdale-West Palm Beach area is deep blue. Look at any Florida map that highlights voting patterns. Tampa-St. Petersburg-Clearwater is also blue, as well as Orlando and Tallahassee. Prices are skyrocketing in those areas because, like most Democrat-run cities, the city leaders force productive people to bail out nonproductive people. Most of Florida’s homeless population is in Miami-Fort Lauderdale-West Palm Beach because the mayors encourage it.
This is another reason I love Arizona. 300+ days of sunshine. Little to no freezing damage. No issues with tornados, hurricanes, earthquakes, tsunamis, flooding, etc. Nice wide roads and freeways with few potholes. Some fires up in the mountains but not in the Valley. The only natural disasters are our “haboobs” followed by monsoon storms for a few weeks in July, and they rarely do much.
Love Arizona too but the scarcity of water scares the crap outta me. How dependent the state is on the few rivers that California has first dibs on the water–and how foreign countries have gobbled up farm land with grandfathered in unlimited water rights, and not to mention the open border where thousands of criminals cross in daily. And last but not least a Governor that is as corrupt and evil as any out there who is fundamentally transforming the state who knows how much longer property taxes will be reasonable? And the current Secretary of State, Fontes, an even more radical demon that is going to take her place as Governor. Fontes is from the same mold as Yuval Harari
I loved living in Arizona for all the same reasons as “Mostly Right” but left 10 years ago because like you “the scarcity of water and its future” scared me. The Colorado River has already been moved to no. 1 on the “most Endangered Rivers” list. Think about a river that supplies water to Las Vegas, Los Angeles, San Diego, Phoenix, and Tucson, that already faces a one million acre-foot deficit.
So I jumped out of the frying pan into the fire and moved to Florida. Uncontrollable laughter.
But we have aquifers in Florida, so there’s that.
Miami-Dade area is draining theirs, which is why Miami is sinking.
https://www.bbc.com/future/article/20171130-the-ambitious-plan-to-stop-the-ground-from-sinking
In Ron DeSantis’s Florida, Insurers Are Making Millions While Policyholders Languish
https://jacobin.com/2022/11/ron-desantis-insurance-industry-legislation-hurricane-election
*****
DeSantis accused of favoring insurance-industry donors at residents’ expense
Excerpt:
The report argues that the Florida Office of Insurance Regulation is dominated by industry insiders who approved insurance price hikes at greater rates than were seen under previous governors.
“Evidence is mounting that big insurance has blocked proposals that would have lowered costs for consumers,” it continues. “A 2022 proposal by state senator Jeff Brandes claimed to reduce insurance and save Floridians ‘$750 million to $1 billion a year’ by allowing smaller insurance companies to access the catastrophic reinsurance fund. The insurance-heavy business lobby reportedly blocked the plan.”
https://amp-theguardian-com.cdn.ampproject.org/v/s/amp.theguardian.com/us-news/2023/may/03/ron-desantis-insurance-industry-donors-florida-governor?amp_gsa=1&_js_v=a9&usqp=mq331AQIUAKwASCAAgM%3D#amp_tf=From%20%251%24s&aoh=16891419921455&referrer=https%3A%2F%2Fwww.google.com&share=https%3A%2F%2Fwww.theguardian.com%2Fus-news%2F2023%2Fmay%2F03%2Fron-desantis-insurance-industry-donors-florida-governor
Something is majorly broken. The trial lawyers are feasting on the insurance companies, yet you can’t get paid properly on a claim without a trial lawyer. Something has to give
I think that needing a trial lawyer to get paid on a claim is a FEATURE not a FLAW. Everyone gets a piece of the action.
Everyone is making money on the backs of the working/middle classes.
I keep saying that everyime I visit FL, in the past several years, I feel like I’m in a communist country and people (the obedient DeSantis groupies) scold me.
100,000 homeowners and auto policies is not a lot for a state like Florida.
I’m sure the self insured rich people who buy up houses and condo units who then have tenants will pretty easily be able to socialize the losses.
Desaster cracks his little flordia whip and google responds by moving the ” cattle” it controls.
Head em up, move em out, conservative views.
DeSantis should expend his energies sorting out the problems in his state and not running for president.
Insurance is just a scam to collect money for the Tribe.
Exactly.
Sundance
Never commented. I’m out on Ron,but he did not create the problem. I live in Texas and we have the same problem. Unaffordable or cancelled coverage for home & auto. I think Ron is a disaster, let’s not blame him for nothing. Otherwise we are just crying like the people we disagree with. I used to be with Chubb. And I don’t sell insurance.
echo4romeo
We’re not blaming him for the problem per se. We’re blaming him for doing nothing to fix it, or to rig it in his donors’ favor.
Florida and Texas will be democrat states soon.
As well as Georgia. Alabama and Mississippi are targets also.
Yep. The entire USA will be
DemocratCommunist after 4 years of Biden + 4 years of Newsom.That’s the plan and their plans come to fruition.
Most blacks will tell you that a cracker by any other name is still a Cracker.
Insurance companies are now starting to wage an economic war against residents of the State of Florida very similar to what has been waged around the world on countries that had some sort of wealth coveted by Americas robber barons.
Next thing will be a
twenty-first century version of carpetbaggers.
MAGA 👊👊🙏🏻🙏🏻❤️❤️🇺🇸🇺🇸
BOT! 👆 👆 👆
The issues in Florida did not happen overnight. Long before Desantis these problems were brewing. In my recent travels in the Orlando area, I thought I was in a third world country. English was not spoken by anyone, not even our Uber driver, who got lost for over an hour.
Not a fan of Desantis, but the obsession here is akin to Trump Derangement Syndrome.
So . . . is someone forcing you to read all these articles and posts about DeSaster? You can either skip them or read elsewhere, you know.
You are absolutely correct, which is why we are so dug in and divided. Don’t agree, get out.
I said nothing about agreeing or disagreeing. I said if you don’t like what’s posted here, then go build your own treehouse!
In other words, why come here and whine about what the owner of the site is posting? It’s an immature and silly way to handle your disagreement.
The way I see it is that if PDJT was the governor of FL and both he and RON! were running for president then Team RINO RON would blame this issue on Trump. It would be wall-to-wall coverage about how the Bad Orange Man cannot run his own state so then how could he run the nation?
Just the other day, Meatball said that Trump colluded to keep the Hunter Biden laptop story suppressed during the 2020 election season thus helping Biden win. He said that it was agencies who suppressed the story. Those agencies were working under the “Trump Administration” so therefore it is Trump’s fault. He completely ignored the fact that these agencies are dirty, corrupt, hate Trump, and spent 4 years trying to destroy Trump.
So, what is good for the Uniparty/RINOs/commie dems IS GOOD FOR MAGA.
I’m not intersted in tit for tat and by now we all know “if it were Trump”. . . . So what?
I’m interested in truth for the purpose of doing something. Everyday I come here with the hope that someone is going to present some action, some plan to initiate something, but it’s wash, rinse repeat.
Good for you!!! I AM interested in tit for tat. The RINOs got us into this situation by not getting dirty and fighting the commie dems on their level.
The RINOs always stand around watching the commie dems metaphorically, beat up We the People while smugly proclaiming that they are not abusive like the commie dems are.
So, go ahead, and have a meeting, a focus group, and send some emails while the rest of us are FIGHTING to stop the RINO/Uniparty cabal from denying us PDJT’s second term.
After we get Trump into the White House again and we DESTROY the RINOs in the “republican” party THEN we can talk about solutions.
“RINO” is the Trumpkin equivalent of “Racist!” If a Democrat doesn’t agree with you, you’re a “Racist!” If an OnlyTrumper doesn’t agree with you, you’re a “RINO!”
Ha ha!! Pretty soon the commie dems are going to be forced to send out their influencers to convince us that “RINOs aren’t that bad so go ahead and vote for them!”
The commie dem wing NEEDS the RINOs in order to keep the illusion that “It’s the other side that is causing all of your problems so vote for us!”
Neither wing of the Uniparty bird wants to have a massive majority because they would be held accountable to their voters. If they keep trading Who Is In Charge then they can continue the grift and lies of “We’ll Get ‘Em Next Time”.
So now that MAGA is soundly rejecting RINOs they have to send out their influencers to convince them that RINOs really, really like the unwashed peasants. RINOs are disappointed but are learning to accept that we don’t want Meatball. But, what they cannot allow is for us to dislike ALL RINOs.
RINOs are a cancer in the republican party and their numbers need to be reduced until MAGA can completely eradicate them.
So, yeah, RINO is a dirty word. MAGA is the bright future.
Funny, that’s what we think about Ron. What’s he doing right now to fix this problem.
Well we know the answer. It’s zero, nada, nothing, because he’s running around the country telling everybody what a good fixer he is when he’s doing nothing about the problems he’s actually being paid to pay attention to.
Yes, like TDS, only worse. Every single topic here is bent and forced into a DeSantis-bashing story. High property insurance rates? DeSantis’ fault. Sinkholes? DeSantis’ fault. Thunderstorms? DeSantis’ fault.
By the way, Orlando is a Democrat-run city with a large black population. Likewise with Tampa and Miami (but more Latinos than blacks), and even Tallahassee (large numbers of Democrats suckling on the public labor union’s teats, like in almost every state capitol). If you want to see the real Florida, get out of the cities. Before Disney came along in 1070, Florida’s main industry was cattle. There are still large, wide-open dairy farms and ranches in central Florida.
Appreciate your reply and understanding. Also your observations. Florida was also one of the 3 major states for horse breeding. I think it was Hugo that had a negative impact on that.
It still is. Ocala breeds a lot of horses, thoroughbreds and warm bloods and quarter horses.
Thanks.
I had a old school cracker stilt house in Glades Co seat, Moore Haven, for 30 years. Bought in 1986 sold in Dec2015. Cattle, citrus and Lake Okeechobee is how honest people made their living – the rest were school teachers or local/state gov. I divided my time between Fl and s Indiana.
In 2016 I took profit and don’t expect to leave s Indiana. Fishing not as good but everything else is better in s. Indiana – emphasis on southern – do not get above Scottsburg or the Bloomington/Indianoplace libs will try to ruin your life!
Why Insure people who need it? I mean, IT IS the communist way! Florida and Texas are targeted DEW States that get hit by these WEFers directives that cause the massive pull outs of industry the Democrats hate!
Meanwhile the Rs are going to flood us with more legal foreign workers…
The fact is that Florida’s highly unstable weather (hurricane prone) causes very large risks for insurers, and the more people who reside in the state, the greater the risk. So I am not quite sure what can be done to lessen the exposure. Insurance companies are not, as many people seem to think, charitable institutions, and it benefits no one if they go bankrupt. Moreover, it is not only Florida residents whose rates are affected by companies’ losses. Any company insuring property somewhere that takes heavy losses raises rates nationwide (although the affected area gets hit the hardest).
Interesting. Why no discussion about WHY insurers are leaving Florida?
I’d guess that claims they pay out on homes they cover exceed the revenue from premiums paid.
Housing in Florida is an accident waiting to happen. Virtually every location in Florida is likely to experience natural disasters. Hurricanes, floods, tornadoes, hail, sinkholes, and more.
Building housing in disaster-prone locations is a sucker’s bet. Sooner or later, the housing will be damaged or destroyed.
When a disaster wipes out housing in Florida, federal disaster relief, in effect public insurance, ends up paying for much of the damages. Taxpayers across the country are funding the insanity of massive developments in disaster zones.
The only surprise of insurers refusing to fund housing built in disaster zones is how long they played along with the charade.
The end result of private insurers leaving Florida will be massive federal expenses for the coming disasters–and they are coming, it’s natural.
Not to defend the Meatball, but I can tell you that Florida has always been a wild state as far as insurance claims. My forensic engineering colleagues there have to jump through more hoops than elsewhere. From afar, it seems a system built to create litigation cash flows. It’s a state issue, and the Meatball could address it, but hasn’t yet apparently.
In 1992 Cat 5 Hurricane Andrew made landfall in south Florida with 177 mph winds (hurricanes start at wind speeds over 75 mph) and a 13 ft storm surge. It was the most expensive natural disaster in U.S. history. Insurers lost over $25 billion (equivalent to $54 billion today) covering property damage. Several smaller insurers, without large reserves, went bankrupt (the State of Florida covered their losses) and a number of large insurers stopped writing property insurance in Florida. Insurers that left the state have never returned, and insurance rates immediately skyrocketed for those that remained. Democrat Lawton Chiles was Florida’s governor in 1992, and Ron DeSantis was 14 years old. But hey, it’s gotta be all DeSantis’ fault, right Sundance? DeSantis Derangement Syndrome is worse than Trump Derangement Syndrome!
And that’s just ONE hurricane.
Florida has been hit by hundreds of hurricanes in the last 150 years.
It always will be–it’s in the natural path of hurricanes.
See this map of historic hurricane tracks hitting Florida:
https://coast.noaa.gov/hurricanes/#map=2.8/27.88/-74.44&search=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
The state disappears under the hundreds of hurricane tracks.
Insuring housing in Florida against natural disasters is insane! That’s why the state and federal governments do it! Socialism at its finest.
I survived hurricane Andrew 🙌🏼
Dunning Kruger Syndrome is extremely strong with you Random. It’s obvious you think you are much smarter than you actually are. Every comment by you is simple name calling or trash talk without any thoughts. It seems you still accept all the propaganda from all the purchased media, the same media owned and operated by the elite seeking control over the unwashed masses. You are free to believe whatever you wish however understand you are currently nothing more than that young lady who screamed or shrieked into the microphone during a city council meeting. Offering zero insight or thought so screaming a one note shrill is all you have. Most of us feel bad for you. You parrot what the media tells you without question. Maybe one day you will see the strings of control from the top down and realize the side of acceptance and tolerance is only tolerant when you accept the propaganda. You get your truth from people like Maddow, we get our truth by ignoring Maddow and watching the actions not words of everyone. We pay attention to the facts, what they are doing instead of what they say and claim. Without you they couldn’t exist.
Amazing how many times these Governors wants to abondon their state at or before the state hits the fan…..
Romney, Pence, Hutchinson, Newsom, DeSantis to name a few.
Frontline just cancelled my policy in the Outer Banks, NC. Recent Reinsurance rates doubling is behind this.