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Topic Title: Own a Florida home? Topic Summary: You are gonna get SCREWED! Created On: 03/11/2021 03:19 PM |
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03/12/2021 06:25 AM
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Hey Tattoo74 your son is growing fast!, walk over sometime, I got eggs and bunch of kale to share...how did I get da' niche ins?...I gots my ways 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. |
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03/12/2021 06:46 AM
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------------------------- I :heart; Q |
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03/12/2021 07:25 AM
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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. |
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03/12/2021 07:34 AM
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Hey Tattoo74 your son is growing fast!, walk over sometime, I got eggs and bunch of kale to share...how did I get da' niche ins?...I gots my ways [IMG][/IMG] 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 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. |
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03/12/2021 07:49 AM
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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. Oh, come on, Cole, you know his cardboard box "home" has a concrete sidewalk for a floor ------------------------- GOP: Gaslight Obstruct Project |
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03/12/2021 08:25 AM
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------------------------- I :heart; Q |
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03/12/2021 08:41 AM
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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 |
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03/12/2021 09:19 AM
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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 and 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". 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. |
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03/12/2021 09:44 AM
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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 |
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03/12/2021 09:49 AM
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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
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03/12/2021 11:10 AM
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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. |
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03/12/2021 11:39 AM
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Yep, already done (thanks though). Just got a reimbursement check back from insurance company for over 500 bucks
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03/13/2021 12:12 AM
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------------------------- 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 |
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03/13/2021 07:55 AM
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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. ------------------------- I was right. |
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03/13/2021 10:47 AM
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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.
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03/15/2021 09:08 AM
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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. ------------------------- I was right. |
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03/15/2021 10:08 AM
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https://www.reuters.com/article/us-usa-insurance-florida/florida-consumers-flabbergasted-as-property-insurers-push-for-double-digit-rate-hikes-idUSKBN2AC111
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03/15/2021 12:15 PM
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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... ------------------------- I was right. |
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03/15/2021 12:16 PM
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The new law will make it where you can't sue and the prices won't drop. Talk about a win win!
------------------------- I was right. |
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03/15/2021 02:23 PM
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------------------------- I :heart; Q |
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Own a Florida home?
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