[beach43ofus]

Originally Posted by Dave_n_Tenn

Wind load ratings are always measured for 1 minute... they are never for continuous wind speed.

Having worked over 50 hurricanes/storms during my electric utility career, i kinda know what's gonna fail and what rarely fails.
You can have a home rated for coastal wind loading and have one poor installation component that creates a catastrophic cascading event of failure. I've also see 100 year old wood frame homes built with just nails, that did just fine.

Insurance companies provide the best rates to homes that are:

-cinder block
-hip roof design
-flat cement tiles
-"X" flood designation or higher
-newer so they meet the most recent codes
-have Hurricane windows and/or shutters
-wind rated for 160 mph+

There are good reasons for them doing so. Those attributes reduce the chances for loss. Nothing eliminates the risk for loss totally.

Our home meets all those criteria, & it held up to Ian extremely well. If more people had homes like ours, we'd all be paying much less.

I wish there was an insuror who only covered homes like ours, & didnt bundle us in with risky properties, so we could save more on our premiums.

Smart homeowners are being penalized unfairly.

[beachmouse]

Originally Posted by 1insider

There's probably 1000 more trying to move out but stuck in the perpetual traffic jam where the Turnpike merges into I-75. I like a lot of things about my home state but the traffic here is becoming unbearable.

And then there’s the usual additional giant wreck on I-75 in the vicinity of Gainesville or Ocala….

[Dave_n_Tenn]

Originally Posted by beach43ofus

Insurance companies provide the best rates to homes that are:

-cinder block
-hip roof design
-flat cement tiles
-"X" flood designation or higher
-newer so they meet the most recent codes
-have Hurricane windows and/or shutters
-wind rated for 160 mph+

There are good reasons for them doing so. Those attributes reduce the chances for loss. Nothing eliminates the risk for loss totally.

Our home meets all those criteria, & it held up to Ian extremely well. If more people had homes like ours, we'd all be paying much less.

I wish there was an insuror who only covered homes like ours, & didnt bundle us in with risky properties, so we could save more on our premiums.

Smart homeowners are being penalized unfairly.

Not all homes were built to similar standards since not all homes were built when yours was. Should they be knocked down? Insurance is a "pool" and must function that way. Now lets be clear, older homes can be mitigated. It's not cheap, but doable.

No one uses cinder block, it's concrete block and those block homes that are older concrete block that have no tie beam or re-bar in the concrete, they actually fail at a higher rate then wood frame homes.

Cement tile and barrel tile roofs fail at a very high rate once they're over 5 years old. Metal roofs are the best with a double water proof membrane that is both glued and tab nailed. Hip is the best design, but what fails mostly is the overhang and soffit.

The coastal standard after Andrew was 140... but that is now been raised and storm surge, was a max of 13.5' above high mean tide... that too is now higher. See the Keys for reference.

[1insider]

I forgot to mention that Citizen's policies for investment and second home properties are not subject to the 12% cap on annual increases. Another tweak now allows Citizens to hike premiums on vacation and investment homes up to 50% every year, while primary homes are capped at a 12% raise (which can be more if approved by the state).

Should we get a storm with extensive claims that exceed Citizens' cash reserves, Citizens has three options. Its first resort is to raise rates on its own policyholders to make up the difference, potentially as much as 30%. If that doesn’t do it, Citizens can levy an up to 2% fee on every home insurance policy in the state, even those with private companies. The final, and most drastic, option is a tax on nearly every insurance policy in the state of Florida, including renters, boat and auto insurance. In the industry, it’s been dubbed a “hurricane tax,” and it’s what makes certain Citizens can never go bankrupt like other insurance companies.

https://www.miamiherald.com/news/loc...id=-1785655385

[City Guy997S]

Originally Posted by Travelassie

Don't get me started on the entitlement mentalities of those who assume if they need a new roof for any reason ( age of the roof, leaking for any reason, but not damaged under conditions covered by the insurance policy) the insurance company must foot the bill for that roof replacement. That, and other insurance fraud, is one of the reasons FL's insurance industry is in the mess it is in.

The "free roof" people make me crazy, I've had 3 neighbors do it. My roof is the same age, not leaking but I replaced it anyway so my insurance wouldn't get cancelled. One of the neighbors is a NY refugee and has done shady stuff in the past (his wife's minivan was "stolen" a couple weeks after they got a low trade offer yet the neighbors Viper/Range Rover were untouched). Of course, free insurance roof for them.

The other 2 neighbors I consider to be upstanding people, yet they both filed for free roofs. One had a company out of Washington state do the roof work (hmmm good luck seeing them again for any warranty work). The other guy had to go to court to testify as to which hurricane years prior was the one that did the damage. I said to him did you ever consider the 22 yr old roof was simply in need of replacement due to age? No it was the hurricane..........sure ok.

What they don't realize is now they have had monster claims on their homeowners policy. So come renewal time they might get cancelled or at minimum they will have a higher premium. So if the roof really costs 30K, you get your premiums hiked by 4K a yr due to your claim..........after 7-8 yrs you paid for your free roof through higher premiums!

[sinatras]

Originally Posted by City Guy997S

The "free roof" people make me crazy, I've had 3 neighbors do it. My roof is the same age, not leaking but I replaced it anyway so my insurance wouldn't get cancelled. One of the neighbors is a NY refugee and has done shady stuff in the past (his wife's minivan was "stolen" a couple weeks after they got a low trade offer yet the neighbors Viper/Range Rover were untouched). Of course, free insurance roof for them.

The other 2 neighbors I consider to be upstanding people, yet they both filed for free roofs. One had a company out of Washington state do the roof work (hmmm good luck seeing them again for any warranty work). The other guy had to go to court to testify as to which hurricane years prior was the one that did the damage. I said to him did you ever consider the 22 yr old roof was simply in need of replacement due to age? No it was the hurricane..........sure ok.

What they don't realize is now they have had monster claims on their homeowners policy. So come renewal time they might get cancelled or at minimum they will have a higher premium. So if the roof really costs 30K, you get your premiums hiked by 4K a yr due to your claim..........after 7-8 yrs you paid for your free roof through higher premiums!

I find it funny that so many in Florida call themselves Republicans and scream about "no handouts" and "personal responsibility" yet they are first in line to file a roof claim. Remember when replacing your roof was called "home maintenance"?

Every single one of my neighbors has gotten a "free roof". Every single one of my sister's neighbors, same. Every single one of my colleague's neighbors, same.

I paid for a new roof last year and everyone said I was an idiot.

That is the prevailing mentality in the "Freedom State". Scam, scam, scam whatever you can.

[Travelassie]

Originally Posted by sinatras

I find it funny that so many in Florida call themselves Republicans and scream about "no handouts" and "personal responsibility" yet they are first in line to file a roof claim. Remember when replacing your roof was called "home maintenance"?

Every single one of my neighbors has gotten a "free roof". Every single one of my sister's neighbors, same. Every single one of my colleague's neighbors, same.

I paid for a new roof last year and everyone said I was an idiot.

That is the prevailing mentality in the "Freedom State". Scam, scam, scam whatever you can.

We have always paid for our roof replacements as well. Unless the roof damage is catastrophic enough to need an entire new roof, and the damages were caused by an event covered by the insurance policy we also paid for, I guess we are one of the few to whom it would not occur to make an insurance claim to pay for the needed roof replacement.

I've been in a number of hurricanes and windstorms over the years, and have seen so much activity with the intent to make fraudulant insurance claims- neighbors, others I know ( many of whom hail from other states, or other countries). They get good at it and know how to play the game, often egged on by greedy lawyers out to make their fortunes from these claims.
Makes me nauseous to think about it, the FL laws intended to bring these outrageous claims under control can't come soon enough, IMO.

[Corrie22]

Originally Posted by sinatras

I find it funny that so many in Florida call themselves Republicans and scream about "no handouts" and "personal responsibility" yet they are first in line to file a roof claim.

it's even funnier that democrats always think it's the republicans....and not them

[sinatras]

Originally Posted by Corrie22

it's even funnier that democrats always think it's the republicans....and not them

Actually no. Democrats don't scream about "no handouts" and "welfare queens" and "personal responsibility" like Republicans. Dems gladly take handouts and they don't want personal responsibility. They want the govt. to bail them out.

One of the free roof beneficiaries in my neighborhood, an ULTRA MAGA, waves his "socialism sucks" flag proudly in his front yard. But socialism and bailouts are OK if you get to save $15k on a roof, I guess!

[Dave_n_Tenn]

Originally Posted by sinatras

I find it funny that so many in Florida call themselves Republicans and scream about "no handouts" and "personal responsibility" yet they are first in line to file a roof claim. Remember when replacing your roof was called "home maintenance"?

Every single one of my neighbors has gotten a "free roof". Every single one of my sister's neighbors, same. Every single one of my colleague's neighbors, same.

I paid for a new roof last year and everyone said I was an idiot.

That is the prevailing mentality in the "Freedom State". Scam, scam, scam whatever you can.

I'd like to see the demographics about party/politics of people getting handouts. Do you have that?