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Old 08-15-07, 04:50 PM   #1
wfin2004
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They cancelled my Homeowners Ins.

The Wife and I bought a new home 2 years ago outside of Tampa, FL. Today I get a letter from the Ins. Co. stating that my policy is cancelled because of "Reducing Catastrophe Exposure". I say WTF??? Okay the first year they charge me $1000 and upon renewal the second year they double it to $2000. Then drop me like a hot potato. Why not just drop me last year and not **** me $2000? I do not know what is worse, Ins. Co's. or lawyers. Now If I can't find a company to insure me for their 'ransom', I will have to go to the State run Citizens Ins.




Now what?

help!
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Old 08-15-07, 04:54 PM   #2
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You mean Chain-gang Charlie hasn't fixed it all yet?


I don't know what to tell you....I was hearing these stories over and over before I left. I had a co-worker who's insurance went from about $1000 one year to $5000 the next.
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Old 08-15-07, 04:55 PM   #3
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move out of the hurricane zone
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Old 08-15-07, 05:30 PM   #4
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move out of the hurricane zone

This is my home here in Florida. Born and raised here. I love where I live. I'll pay a reasonable rate, but do not drop me after a year or so. "Okay, here is the plan guys, take $3000 of his money in a span of a year then send him a letter before he calls us." Just think how many homeowners they can do that to in Florida.

Bas
tards
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Old 08-15-07, 05:34 PM   #5
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Is there any kind of state Insurance Commissioner's office in FL? If there is it might be worth a call to it to report what happened. May not help you get any money back but could keep the creeps from doing it to someone else.
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Old 08-15-07, 05:36 PM   #6
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Is there any kind of state Insurance Commissioner's office in FL? If there is it might be worth a call to it to report what happened. May not help you get any money back but could keep the creeps from doing it to someone else.
Yes and the guy who used to run it just got elected governor.
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Old 08-15-07, 05:42 PM   #7
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"Reducing Catastrophe Exposure."

Sounds like the insurance industry believes in global warming.
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Old 08-15-07, 05:50 PM   #8
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Same ol' story. We just got switched to Citizens ourselves and our payment doubled. We're in a non evacuation zone and a non flood zone, in fact for what it's worth we'd be on an "island" if a major storm came through due to us being on "high ground".
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Old 08-15-07, 05:57 PM   #9
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Wow....this is what we have waitin for us ??

Sorry to hear that winfin

As I read the papers here this stuff is depressing. Its out
of control.
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Old 08-15-07, 06:00 PM   #10
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Sounds like the insurance industry believes in global warming.
indeed, they are true believers
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Old 08-15-07, 06:21 PM   #11
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Same ol' story. We just got switched to Citizens ourselves and our payment doubled. We're in a non evacuation zone and a non flood zone, in fact for what it's worth we'd be on an "island" if a major storm came through due to us being on "high ground".

Tru dat Raiyn. I live at a 77' elevation here in Hillsborough County. I kind of thought Citizens was cheaper, but I do not know for sure 'cause I never had to look into it before.
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Old 08-15-07, 06:32 PM   #12
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Before my father in Law decided to sell up and join us in the Carolinas, his insurance went up to $8000 a year with a $8000 deductible
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Old 08-15-07, 06:37 PM   #13
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indeed, they are true believers
Either that, or the believe too much $$ has been spent to build condos on the beach.
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Old 08-15-07, 06:44 PM   #14
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Tru dat Raiyn. I live at a 77' elevation here in Hillsborough County. I kind of thought Citizens was cheaper, but I do not know for sure 'cause I never had to look into it before.
Well we're on "high ground" for Pinellas county I've lived in FL for 10 years now and didn't have any issues until Charley and his crew came through.
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Old 08-15-07, 06:50 PM   #15
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That's quite despicable of them.

y'all down there put the people into office that are standing by and letting this happen. Personally, I'd never for a second consider living on a sandbar, but be that as it may, you do. Seems you either have a lot of complaining, or a bit of moving to do - except good luck finding someone to buy your house under the present circumstances.

Can you recall your Governor? That might be the best way to fix things.
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Old 08-15-07, 06:57 PM   #16
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That's quite despicable of them.

y'all down there put the people into office that are standing by and letting this happen. Personally, I'd never for a second consider living on a sandbar, but be that as it may, you do. Seems you either have a lot of complaining, or a bit of moving to do - except good luck finding someone to buy your house under the present circumstances.

Can you recall your Governor? That might be the best way to fix things.

Sandbar, tornados, earthquakes, floods, mud slides, blizzards, forest fires, we all have some issue where we choose to live. In fact I am trying to think of an area of the country that is immune to natural or man made disasters.
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Old 08-15-07, 06:58 PM   #17
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That's quite despicable of them.

y'all down there put the people into office that are standing by and letting this happen. Personally, I'd never for a second consider living on a sandbar, but be that as it may, you do. Seems you either have a lot of complaining, or a bit of moving to do - except good luck finding someone to buy your house under the present circumstances.

Can you recall your Governor? That might be the best way to fix things.
That's the whole thing, we had special representative sessions to "fix" things, but the companies have found loopholes to exploit.

As far where I live, better the enemy I know, and can see coming, than the one I can't. (ie Cullyfornia earthquakes)
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Old 08-15-07, 07:06 PM   #18
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Sandbar, tornados, earthquakes, floods, mud slides, blizzards, forest fires, we all have some issue where we choose to live. In fact I am trying to think of an area of the country that is immune to natural or man made disasters.
.
I rarely hear of major disasters in the northeast, or the mountain states (as long as you dont live IN the forest).... Sure, there's ice storms, blizzards, etc, but they rarely wipe out houses. Floods? You're either in a flood zone, or not.
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Old 08-15-07, 07:09 PM   #19
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I find it striking that the insurance company dropped coverage entirely.

I agree with all of you who think insurance providers are predatory, and tangled up in politics. But isn't this insurance company saying: not any price. They aren't making a dime in income from this decision (they're losing a customer); instead they are trying to prevent losses in the future. They'd prefer to insure safer bets.

Sure all regions of the country have disasters. But it does seem the insurance companies see the hurricane-afflicted areas as greater risks than years ago.
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Old 08-15-07, 07:12 PM   #20
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.
I rarely hear of major disasters in the northeast, or the mountain states (as long as you dont live IN the forest).... Sure, there's ice storms, blizzards, etc, but they rarely wipe out houses. Floods? You're either in a flood zone, or not.
Yeah, I've thought about Colorado or the Pac. NW, but my girlfriend is a FL native and is totally wussified when it comes to cold weather. I'm totally fine with it having grown up in Northern MN, but not her.
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Old 08-15-07, 07:21 PM   #21
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Yeah, I've thought about Colorado or the Pac. NW, but my girlfriend is a FL native and is totally wussified when it comes to cold weather. I'm totally fine with it having grown up in Northern MN, but not her.
.
The coastal NW is highly earthquake prone, as long as we're talking disaters. Colorado cold isnt all that bad, IMO. I'm wussified about FLA's humid heat. Yuck...
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Old 08-15-07, 08:30 PM   #22
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One of the many reasons I'm ready to abandon this place to the developers and snowbirds. I'm one of the few that actually got transferred from Citizens to Southern Fidelity a few years back. It didn't save me anything though and ours has gone up ~$1000 a year since. I'm a 5th generation native of Tampa and seeing what this state has become compared to what I grew up in disgusts me; if the housing market weren't so bad and all of our family (and business) weren't here I'd be in Denver in a heartbeat.
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Old 08-15-07, 08:36 PM   #23
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Sandbar, tornados, earthquakes, floods, mud slides, blizzards, forest fires, we all have some issue where we choose to live. In fact I am trying to think of an area of the country that is immune to natural or man made disasters.
Immune? Nope. There is a lot of difference between areas when it comes to frequency and extent of devastation due to natural disasters. Insurance companies are very keen to identify and quantify the risks inherent with insuring a building in one location versus another. I'll take the blizzard every 4-5 years and play the lottery on quite uncommon tornadoes here in Pennsylvania, over risking major earthquakes in California, or hurricanes and flooding along the coast. My homeowner's insurance confirms to me that I've made a reasonably safe choice. Yeah, winter can suck here, but short of having a house for every season, that wouldn't be ideal anywhere (except maybe coastal San Diego - but there we'd be back on the coast and in earthquake country).

Do you know if your insurer is still covering houses in other parts of the state, or did they just leave the state entirely? Did the state give them the ultimatum to charge less, or leave the market? Have they decided that in order to provide insurance in your area, they'd have to charge more money than customers would possibly want to pay? Before jumping to the conclusion that the insurance company, or the state is the bad guy (like I did in my previous post ), a little more investigation would seem to be in order.

Talk to a manager at your old insurer and see why they say they left. Check and see if their story stands up by checking the legal changes that have been made. Call around and see what alternatives you have. If it seems that the government really botched things, get involved with a group to try to fix it. Good luck with your situation. Despite the fact that you do live in a higher risk area, it's clear you're being treated far more poorly than seems fair.
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Old 08-15-07, 08:37 PM   #24
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colorado only has a water problem
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Old 08-15-07, 08:39 PM   #25
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Being an Indiana boy (tornados) that moved to Cali (earthquakes), then to FL (Hurricanes)....Here's my take:

Earthquakes don't convert barns into giant fly projectiles.

Hurricanes move slow enough that there's no excuse for having evacuation fusterclucks

Honestly I'd like to see tornado annual losses compared to hurricane annual losses and see what's up....I bet it's the spikes the damage costs, not the average costs that are upsetting insurance co's....and tough titties, that's the cost of running an insurance co.
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