My homeowners has gone up $2,500 in three years.

And what do Republicans do? They tell the insurance agencies that they are off the hook if you roof is more than ten years old.

All of them need to be voted out, from Deathsantis on down.


The story: http://www.news4jax.com/i-team...ld-roof-replacements/

The bill: http://www.flsenate.gov/Sessio...21/76/?Tab=VoteHistory

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I was right.

Bummer, mine has stayed basically the same!

-------------------------
Romans 8;18-32 John 3;16-18

Wait till you re-up homie. Better hope you have some spare cash on hand. If you have Universal, they no longer write in Brevard.

I was told by three different brokers that no one wants Brevard and that the original price I was quoted is the same across the board.

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I was right.

Let me clarify for crackhit: this is for homeowners insurance, if you live in a dirt floor hut in Palm bay, you might not be included.

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I was right.

Oh, come on, Cole, you know his cardboard box "home" has a concrete sidewalk for a floor

-------------------------
GOP:

Gaslight
Obstruct
Project

Cole, how is your new FEMA flood zone? Mine went from X to AE. Since I already had flood insurance I was grandfathered in as X so my rates will remain the same. If it was new insurance and rated as AE the cost would go from $550/yr to $5500/yr. Kinda messes with the resale value.....

I'm on the edge of the flood zone - the end of my driveway - four blocks from the beach. I was told everyone (insurance) is pulling out from Brevard and that 5 grand a year is the best deal. I'm doing shutters for a reduction, but they are going to cost me a couple grand, so it's a wash, but it will be better than boarding up. My flood is extra.



-------------------------
I was right.

I'm all ears if anyone knows of a better deal.

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I was right.

Mine went up 45% or so

Own cash out right so don't need it... when I bought beachside I foresaw this so stayed low principal and able to initially buy on 15 year note instead of 30 year note which makes that realistic to do. Not quite there yet but it's on the horizon! Of course for people that are already long into their homestead this doesn't mean much but for the younger folks definitely something to really think about!!! A lot of people say that's fing crazy to do, but the truth is of homes that are hit by storms big storms maybe 2 or 3 out of 5 will actually recover from their insurance the true cost to rebuild while the majority actually just walk away and say pay of my mortgage F it and hope to walk away with some cash. This trend is only going to accelerate - take a read about california eminent domains - and before too long beachside homes will become more of a liability than anything. But of course none of us want to give up the beach lifestyle!!! I've been thinking good idea is to downsize to beach townhouse or something like that, and then invest the equity into a home up in the mountains or somewhere else in a more safer place to live. That way if things do get really bad with climate change later on in my years at least I'll have a safety. And if select the location right even could have an income stream from one of the properties, the VRBOs in mountain towns like Asheville do very well may even come close to paying the mortgage. Actually pretty realistic to do if pick right: end with owning outright beach townhome then have mortgage on other property... And for timing can't beat the present as so much demand for Florida homes right now with the exodus from big cities up north. This whole insurance thing adjusting for climate change affects is just getting started too, so timing out in front of that too

-------------------------

get up early and go surf - it'll make that hangover go away and/or make the workday more tolerable :)

Edited: 03/13/2021 at 12:41 AM by surferclimber

We have a ten year plan for climate change, because there will be a time that insurance will no longer be an option. It looks like it's happening sooner than I thought, so a change of plans might be in order.

I'm getting ready to ride my bike to the beach to check the waves. The thought of not being able to do that anymore makes me sick to my stomach. Living where I live rules.

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I was right.

Also dont forget something like 2.7% you pay into homeowners insurance is siphoned off to payoff the police and fire unions to fund their bloated pensions.

Every policy in the state will have gone up by $2,000 under the watch of Desantis. And the plans will cover far less.

This will be real election gold come 2022.

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I was right.

https://www.reuters.com/article/us-usa-insurance-florida/florida-consumers-flabbergasted-as-property-insurers-push-for-double-digit-rate-hikes-idUSKBN2AC111

Florida insurers requested 105 rate increases during the first ten months of 2020, Altmaier said. More than half of the increases that regulators approved were greater than 10%.

Wow!

It's almost like the state wants to root out the dead wood (retirees, those on fixed incomes) and inject some new profit. All of those people coming into the state need somewhere to live, why not give Eda the boot and make some new taxes on her once homesteaded house...

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I was right.

The new law will make it where you can't sue and the prices won't drop. Talk about a win win!

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I was right.

Beachside gentrification is something I would expect we've all seen very clearly in our lifetimes. I grew up beachside in Daytona and Ponce, and back then (70's/80's) you could be quite poor really and still live a block from the beach. Not much of that left I'm afraid.

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“It is the heart of US policy to use fascism to preserve capitalism while claiming to be saving democracy from communism “ - Michael Parenti

Early 50's south beachfront could be bought for $1.50 a front foot!

---

Coleslaw; what is your 10 year plan again?

-------------------------
Romans 8;18-32 John 3;16-18

Edited: 03/16/2021 at 08:51 AM by crankit

Hooray! Climate change is good. Himalayas? You should be safe there for a few years. You going to become a yak rancher?

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I :heart; Q

Ranch? Why on earth would I do that to myself?

No one ever said, "Damn, I wish I would have worked more!" on their death bed.

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I was right.

I am going to. It will be another Tpapablo first. And I will be famous for making that stupid saying go away. At best, people will only be able to say, "only one person has ever said 'I wish I had worked more' on his death bed."

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I :heart; Q

Mine up to 5k+ this year. I just put on a new roof and that dropped me $100/year. If I install impact windows or Miami-Dade approved coverings my insurance will go down 3k. They want no points of entry for winds.

It's the reinsurance agencies that jacked up rates. And rightfully so, there is irrefutable evidence that FBC impact windows/doors drastically reduce claims. Cover them up or pay out the nose.

-------------------------
QOP = Terrorists
FK = Gay

$4K per annum and that's with a $2500 credit for door/window coverings to code. Flood still the bargain as I remain in X at $450.

I had coverings from way back. During a reinspection the inspector said they needed a code stamped on them. I got some coded ones done for a good rate and got the credit back.

FL gonna grift along with the insurance companies.

Edited: 03/12/2021 at 01:37 AM by Greensleeves

.

Edited: 03/12/2021 at 06:11 AM by SurferMic

Yes - the more hurricane proof a house is the better. My neighbors in new builds are only paying 1k+ year. Every covering has to be impact including doors. In the process now but thankfully I now have an extra 6k to pump into the local economy.

My quotes so far are 44k for everything (over 20 windows and 3 doors), 37k for Big Bertha windows (no doors). Waiting on others. It's not cheap but there is a tax credit + yearly insurance savings + added value makes it a wash.


-------------------------
QOP = Terrorists
FK = Gay

My house is block from the late 50's with a tongue and groove roof and it's strapped like a mofo. The people that built my neighborhood were from up north and used snow bearing specifications. One inspector told me we could flip it over and use it for a boat. I have a 25 year roof with stainless hardware that is five years old. None of that matters in the final insurance cost.

They look at the age and they jack you through the roof.

-------------------------
I was right.

This is my job and I deal with the renewal costs rising every day. There is literally like three companies that will write homeowners insurance beachside in Brevard right now. If you are paying under $5k a year consider yourself lucky. From what I have seen Universal has been the most lenient with the jacked up renewal prices. Frontline on the other hand I've seen some rates go up over 50%. The entire thing is a mess.. Now the insurance companies are going after the agencies cutting the commission structure down as well. I see a lot of foreclosures in the future if something does not change. A friend of mine has Fl Peninsula and he just went from $3k a year to $4,900. He just bought a new car and that increase is about the same money as the car loan, now he's strapped.

SurferMic: I'm pretty sure I know you and where you live. We used to walk our son through your neighborhood and have stopped out front and chatted with you & the wifey a few times. I have no clue how you managed to get Southern Oak to insure beachside at that rate. Southern Oaks niche is brand new homes in the Viera area. Don't ever let that policy go!

Edit: For anyone that does have Citizens ... RUN, they are horrible.

Edited: 03/12/2021 at 06:05 AM by TATTOO74

SurferMic where you go for retrofit quotes/job?

.

Edited: 03/12/2021 at 06:37 AM by SurferMic

Now imagine being a lifelong Florida resident on a fixed income. I can pay it, just as most of you can, but there will be millions who can't.

Election time?

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I was right.

"Now imagine being a lifelong Florida resident on a fixed income. I can pay it, just as most of you can, but there will be millions who can't."

Yes Cole.

USAA for me. They sent me a letter years ago saying they would only do my residence and begrudgingly so.

Hey Tattoo74! your son is growing fast!, walk over sometime, I got eggs and bunch of kale to share

Edited: 03/12/2021 at 06:37 AM by SurferMic

We moved over off Flug last year, but we still go see my Dad on the weekends. We'll stop by this weekend. Our street is too busy for him to ride the big wheel, so we let him play over by my Dads it's less traffic.

Greensleeves: USAA Has great rates, but I've heard horror stories when it's time for them to pay a claim.

That's incorrect. USAA is one of the best out there. I routinely sue these homeowners insurance companies, so I know. USAA is a saint compared to most. (Full disclosure - I have USAA.)

-------------------------
I :heart; Q

I've paid them $30 grand and never filed a claim. Now they bitch and moan that they might have to buy me a new roof for $12,000.

Fuck that.

-------------------------
I was right.

I'm in south Cocoa Beach and just worked up my renewal for two attached town homes insured with one policy. Combined ~3800 ft under air, block/frame on upper floors and 2 year old roof. Turner is our agent and we are insured with UPC. Premium was $3600, but I removed insuring the contents of home(s) and got it reduced to $2300. I waived the flood insurance. We built above grade and have good storm water setup ....so I'll keep the money and take the risk. I am quite exposed to wind with to many non impact windows. So far I've lucked out for 28 years and during that time I have made two claims that payed out more than I have payed in premiums in the entire 28 years. To those of you that have difficulty with getting a reasonable claim settlement you might consider hiring a "Public Adjuster".

Edited: 03/12/2021 at 09:36 AM by grdsurf

I used to work for Turner, they are good people. UPC is non renewing a TON of policies.. They came in hot a few years ago and now non renewing the majority of the policies due to risk exposure.

Just an FYI to anyone off S Trop Trail they just re zoned the entire area from flood zone X to AE. I am not sure if mortgage companies will now require current clients to acquire flood insurance, if so this will be a mess.

Just kind of wondering about the quotes people are sighting on this thread. I guess I'm lucky so far. I just insure for worst case scenario with maximum deductible, no flood, no contents etc. The yearly savings adds up over time and could be construed as "self insurance" . The change I just made on my renewal could save me 13k over ten years. I recall reading an article years ago about flood insurance in Florida an how the rates have been artificially suppressed in relation to the actual risk exposure to the insurance companies. I don't entirely understand all the factors involved but the bottom line was that it is a huge problem for Florida and could have a major impact on rates and possibly real estate values.

Edited: 03/12/2021 at 09:51 AM by grdsurf

Just had every exterior window and door in our house replaced with impact. Contractor was terrible. I so wish I had used palerider, but the wife wanted to use who we had our rental house windows and doors done by. I won't mention the terrible contractor by name but, it's where we go to surf

Get an updated wind mitigation inspection reflecting the hurricane protection and get it to your insurance company. Should be a substantial discount depending who you are written with.

Yep, already done (thanks though). Just got a reimbursement check back from insurance company for over 500 bucks

I am literally trying to re write someone now who had USAA and they refused to pay out their hail claim.. I guess they all have their moments.

It does largely depend on the individual adjuster. You sometimes get good adjusters for horrible ins. companies, and bad ones for good companies. So, yeah, it happens. But USAA is usually pretty good.

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I :heart; Q

I would imagine he's planning to sell while there's still value and move to higher ground like the rest of us.

-------------------------
“It is the heart of US policy to use fascism to preserve capitalism while claiming to be saving democracy from communism “ - Michael Parenti

Yep. How he can't see that is so very fitting. lol

Tblah, work yourself to death, I certainly don't mind.



-------------------------
I was right.

The trick we are facing will be when to sell to maximize value. Home prices are going up fast.

Good Lord, already down to page 7. This part of the forum is like a ten wave hold down.. Anyway I figured I'd keep you all updated as I receive anything helpful on my end to help curb the rate increase. Here are contact numbers for you all to bug.

"Dear Agency Partner,

We are sending an email to all PTI policyholders to help them understand why Florida homeowners insurance rates are going up and what they can do to help temper the situation. We encourage you, as Agents, to also contact our legislators to demand change!

We need to address the fraud and abuse in the system that are driving up insurance costs. We need YOUR help to make it happen!

Contact Governor Ron DeSantis, House Speaker Chris Sprowls and Senate President Wilton Simpson today to express support for property insurance litigation and fraud reforms now:

Call Governor Ron DeSantis at 850-717-9337
Call Speaker of the House Chris Sprowls at 850-717-5000
Call Senate President Wilton Simpson at 850-487-5229

Make your voice heard and tell the Florida Legislature to bring insurance claim fraud and abuse under control."


Edited: 04/06/2021 at 11:34 AM by TATTOO74

Just sent in premium to 'Citizens' proper - not a fly by night 'takeout'.. Told them I'd drop them if they forced me into a 'takeout'.. Helll of a racket going on there - our gov's buddies starting insurance 'takeout' businesses, taking premiums, then of course 'going out of business...

~$3,500 total.. Only ~$200 more than last years.. About $2450 for 'wind', the rest 'Homeowners'.. Cole, why the F is yours is going up that bad?? I'm on A1A across from beach ~200 steps to sand.. 2050 sf, 1961 CBS, hip roof, Flood zone X (i.e. no flood insur req'd..) .. Have a few non impact rated items so I'm not 'impact protected'..

Really don't see Citizens proper as bad.. The forced 'takeouts' are def very fuk'd up.. Made a $70k claim in '05 and they paid no probs, took a while to get all the stuff done by contractors.. Skipped putting back the pool screen porch and replaced the doors & windows w/ impact pated, low E instead.. .. Made a $10k claim (fence, toolshed, & misc roof) a few years ago - with a $6 k deductable.. little more of a pain, but they paid... Being a PE helped with the letter writing, threats etc..

-------------------------
There are NO white people at all in the Bible... take all the time you need with that...
Please stop feeding the trolls - they will go away if you do...

Edited: 04/06/2021 at 12:09 PM by surfsail

Fraud? Why does that hit us honest people in the pocketbook? Don't the insurance companies have underwriters for things like that? And they made $56 billion in 2019. Did they pay out $56 billion in claims?

Didn't they say health insurance would drop when tort reform was enacted? That worked out, now didn't it.

Same scam, different day.

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I was right.

Thanks for the info Tattoo.

The insurance industry goofed up and we are the ones getting screwed.

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I was right.

3/4" Plywood Standard:
March 2020 - $37.98 /sheet
February 2021 - $72.49 /sheet
March 2021 - $83.49 /sheet
April 2021 - $95.98 /sheet
That is 252% price increase on one of the most used piece of common lumber for construction.

THANK'S BIDEN!



-------------------------
The REAL truth is....both of the forum idiots are OWNED.
-BOTH of them have no clue who their owner is.
-They are both card carrying narcissists.
^These are PROVED facts.

Edited: 04/09/2021 at 03:55 AM by Fish Killer

Trump's tariff war is coming home to roost.

http://remodelworks.com/blog/h...se-construction-cost/

Why lumber prices are rising

In August 2020, lumber's cost was at an all-time high at $639 per thousand board feet. This price hike was attributed to the ripple effect of 2018 tariffs and recent forest fires. However, one month later, the lumber price jumped again by $19, totaling to $641.60 per thousand board feet.


http://www.formingamerica.com/...-at-an-all-time-high/


-------------------------
I was right.

Its not just building materials but things like generators and lawnmowers, too.

For example, a couple of years ago a 3500watt HF Predator inverter generator was often on sale for under 700 bucks. Now it is 850 and might go to 800 occasionally.
Trumps China policy cost the consumers, no question about it.

-------------------------
If I should ever die, God forbid, let this be my epitaph: THE ONLY PROOF HE NEEDED FOR THE EXISTENCE OF GOD WAS MUSIC - KV


Edited: 04/09/2021 at 07:29 AM by Bamboo

And not one single thing in there about any 'Trump Tarrif Wars'!

NOT ONE!

So again Coleslaw...you are a fucking LIAR!

-------------------------
The REAL truth is....both of the forum idiots are OWNED.
-BOTH of them have no clue who their owner is.
-They are both card carrying narcissists.
^These are PROVED facts.

"This part of the forum is like a ten wave hold down.."

In 52 degree water! That's some mighty fine H3O!



Edited: 04/09/2021 at 06:41 AM by Greensleeves

The cost of fuel and everything associated with construction materials has gone up under BIDEN!

INCLUDING THE PLYWOOD!

Furthermore the BIDEN SCARE TACTICS for the covid pandemic has caused a lot of extra requirements that COST money!

"The trouble was that the pandemic also made it harder to produce. Some mills have had to limit shift work in order to comply with social distancing rules."

THANKS BIDEN!



-------------------------
The REAL truth is....both of the forum idiots are OWNED.
-BOTH of them have no clue who their owner is.
-They are both card carrying narcissists.
^These are PROVED facts.

Edited: 04/09/2021 at 07:41 AM by Fish Killer

In August 2020, lumber's cost was at an all-time high at $639 per thousand board feet. This price hike was attributed to the ripple effect of 2018 tariffs and recent forest fires. However, one month later, the lumber price jumped again by $19, totaling to $641.60 per thousand board feet.

Read much? lol

Dumb-ass


-------------------------
I was right.

Thanks to 'climate change' (aka 'global warming' to the qop's) - last few years the hurricanes have been tearing up LA and the rest of the gulf.. .. Rebuild time - pay the piper.. Combined with the building boom fueled by low interest rates.. Unless you HAVE to do something on your house etc - don't .. Terrible value for your money.. Wait a bit until the reiars are complete - and the market cools down.. In '05 the same thing happened.. Also China was in a building boom buying up all the concrete and stee.. Wait for the 'perfect storm' to die down..

-------------------------
There are NO white people at all in the Bible... take all the time you need with that...
Please stop feeding the trolls - they will go away if you do...

The price goes up when a supply disruption is met with rising demand from a recovering economy? I'm shocked. But remember these are the people that think that the government bought all the ammo in 2009 to cause a shortage and that simultaneously cheered low gas prices at the height of the covid shutdown and lamented that oil companies were being bankrupted.

-------------------------
...

Oil at zero dollars a barrel. Why wasn't gas 50 cents a gallon?

-------------------------
I was right.

Dotards still dotarding I see. trump's tariff wars caused the run up in wood prices. of course dotards are too busy in some culture war to really see what is happening.

-------------------------
QOP = Terrorists
FK = Gay

South Dakota Republicans are in outrage over trans boys playing in female sports. They are rushing legislation that bans the horrible practice.

In other news, there are no trans athletes competing out of their birth designation in South Dakota.

-------------------------
I was right.

The cost of fuel and everything associated with construction materials has gone up under BIDEN!

INCLUDING THE PLYWOOD!

Furthermore the BIDEN SCARE TACTICS for the covid pandemic has caused a lot of extra requirements that COST money!

"The trouble was that the pandemic also made it harder to produce. Some mills have had to limit shift work in order to comply with social distancing rules."

THANKS BIDEN!

-------------------------
The REAL truth is....both of the forum idiots are OWNED.
-BOTH of them have no clue who their owner is.
-They are both card carrying narcissists.
^These are PROVED facts.

Gas prices are dropping. Fact.

Materials cost began to explode under Trump. First up was the tariffs, then it was the do-nothing approach to the virus. Fail fail.

-------------------------
I was right.

Gas prices are UP 50 cents a gallon AVERAGE since Trump!

FUCKING MORON!

-------------------------
The REAL truth is....both of the forum idiots are OWNED.
-BOTH of them have no clue who their owner is.
-They are both card carrying narcissists.
^These are PROVED facts.

If the world economy gets better expect to pay more for gas. That's how it works.

-------------------------
I was right.

Not when we were oil independent!

That meant that OPEC couldn't force their prices on us....as in CONTROL!

If we needed to we could step away.....

NOW...NOPE!

MORON!



-------------------------
The REAL truth is....both of the forum idiots are OWNED.
-BOTH of them have no clue who their owner is.
-They are both card carrying narcissists.
^These are PROVED facts.

American Oil ships their stuff across the pond for more profit. Are you saying you are against their corporate policy?



-------------------------
I was right.

The study of economics is far beyond the comprehension of an average qotard. Qish was awarded super qotard status at a stop the steal rally in Cocoa back in January. He's never looked back, nor at a scholarly article or a scale.

Qish Qiller a fucking idiot. Seriously Qook you need drugs

Sooooo, I can see that the DIPSHIT^^^^ loves paying more for fuel!!

You do realize that it drives up the PRICE OF EVERYTHING!

You are a FUCKING MORON!


-------------------------
The REAL truth is....both of the forum idiots are OWNED.
-BOTH of them have no clue who their owner is.
-They are both card carrying narcissists.
^These are PROVED facts.

absolutely Cole. Qish brain dead on economics.

HeyQishy, oil plummeted in 2020 when Saudi Arabia turned on the spigots to piss the world off.

Saudis not Qrump

That Qish would worship trump for this shows what an idiot he is.

Hey qish do you blame trump for losing because he did. Do you blame him for making you stupid because you are.

Edited: 04/10/2021 at 08:23 AM by Greensleeves

Do you blame him for making you stupid because you are.


Words from the almighty 2nd Light prophet!

-------------------------
I was right.

Sooooo, I can see that the DIPSHIT^^^^ loves paying more for fuel!!



You do realize that it drives up the PRICE OF EVERYTHING!



You are a FUCKING MORON!

-------------------------
The REAL truth is....both of the forum idiots are OWNED.
-BOTH of them have no clue who their owner is.
-They are both card carrying narcissists.
^These are PROVED facts.