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Last Post 12/12/2006 5:51 PM by  Jud G.
Citizens for a better Citizens upcoming FL Meetings
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Dimechimes
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12/07/2006 12:43 PM
    http://www.floir.com/pdf/CitizensforaBetterCitizens.pdf" target="_blank" rel="nofollow">http://www.floir.com/pdf/Citizensfo...tizens.pdf

    I'd encourage anyone near by to attend these meetings in your area as they are coming up in the next few weeks in Pensacola and Largo. It says a 3rd is planned but I think that is the Key West meeting already held and on the front page of the DFS website but don't know for sure. It will be interesting to see the new Citizens customer service focus report due out in January from these meetings.

    Here is also a link to the story about the program too:

    http://www.floir.com/
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    Dimechimes
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    12/07/2006 12:47 PM

    Here is the link if you can't attend the meetings and want to add suggestions based on your storm experiences in 04/05.

    http://www.citizensforabettercitizens.com/

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    Dimechimes
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    12/11/2006 8:49 AM

    See the portion of the article that this movement  has a Public Adjusters Group taking a lead role in this. Any discussion about what effect this is going to have increasing the use of public adjusters in FL?

    http://www.miami.com/mld/miamiheral...211512.htm

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    jlombardo
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    12/11/2006 9:12 AM
    Like most Claims People, I am a little curious as to what is the motivating force behind the PA firm becoming a "Champion" against rate increases....or is the firm trying to capitalize on a hot subject to get free advertising as many for-profit companies do...... I find it very interesting....
    What do you think Debbie???
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    Dimechimes
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    12/11/2006 9:46 AM

    I was afraid of the same thing.Giving it additional thought, they are individual citizens also of Florida and are having the same difficulties we are all experiencing here.If they are a large group, their voice will be heard similar to our "Day on the Hill" campaigns where all Claim employees and others working for our carrier drove to Tallahassee on the same day and addressed our representatives with key talking points.

     It is crippling sales and the number of homes out here on the island that have gone up for sale is the highest I've ever seen since residing here.Between insurance rate increases and property tax increases,it is very difficult for the residents here. The cost to the property owner here where I am is 24K per year between the two.

    I do think it is going to increase public awareness of the Public adjusting community.

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    jlombardo
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    12/11/2006 10:46 AM
    It will absollutely increase the public's awareness of the PA's and that is the point...if they wanted to take up a cause as Citizens of Florida, then I think they should have left their Company name out of it.........I guess I am suspicious when the fox is trying to defend th chickens when they are inside the chicken coop........
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    jlombardo
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    12/11/2006 12:12 PM

    Debbie,

    This post is not an attack on you.....please do not construe it to be....


    I guess I agree with the issue that insurance rates and taxes are getting a bit much in Florida, but frankly have no sympathy for homeowners that insist on living in harms way on the barrier islands.......or that insist on living on the ocean's door step and have time after time been washed and blown away, only to rebuild in the same vulnerable area.

    I guess that if someone is going to live on an island at or slightly above sea-level, than it is almost certain that they will be devastated at some point by either a Hurricane or a flood.......so the question becomes whether or not those that do not live on the very pricey water front should continue to bear the burden of supplementing the insurance rates of those that do ..........

    I am not so much concerned with the folks that live on the "island" and have found that "Between insurance rate increases and property tax increases,it is very difficult for the residents here. The cost to the property owner here where I am is 24K per year between the two." as I am for the average person that lives inland and has seen their rates double and triple over the last several years.........I think that for those people that want to place themselves and their property in harms way that they should be willing to foot the bill for same.......and I think that there should be a limit on how many times that claims can be made for flood damage under the NFIP.....but that is another thread.......


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    Tom Toll
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    12/11/2006 12:57 PM
    Joe, the same goes for us in Arkansas. Our rates have jumped about 120% in the last few years, due to the 4 in 04 and Katrina. I havd had State Farm coverage on houses and vehicles or 40+ years. We have had very few claims and claims were related to catastrophes in Arkansas. Why do we have to pay for claims thay lie in hurricane prone areas, specifically coastal areas. We are hundreds of miles from the coast. Something radical needs to change. $420.00 per year versus $1,200.00 per year is quite a leap in premium. If your going to live on the coast, you should have to pay the addittional premium for that. If you cannot afford the premium, move inland.

    Of course, State Farm gave us an option of increasing our $1,000.00 deductible to $2,500.00 for a $350.00 reduction in premium. Sounds like blackmailing to me.
    Success is not final, failure is not fatal: it is the courage to continue that counts.
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    jlombardo
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    12/11/2006 1:18 PM
    Tom,
    It actually gets worse with State Farm.....if you live in certain counties in Florida...I think some of them are Hillsborough, Pinellas, Manatee, Hernando, Miami Dade....and several others, your policy coverage deteriorates when a Hurricane strikes!!!

    Once a Hurricane is declared, you loose coverage for any appurtenant structures such as fencing, storage sheds, detached or even attached pools, decks, etc plus the limit of liability for personal contents drops back down to 50% of Coverage A , even if you elected greater coverage on personal property ...not too mention that you also loose coverage for damage to China, Lladro, Hummel's, etc...........

    Nice Huh?????
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    Dimechimes
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    12/11/2006 1:36 PM

    Joe, no offense taken!

    I closely follow all the news articles related to the ongoing crisis in FL as well as the many blogs you see commenting on the issue.

    I forward them all to our landlord encouraging her to sell as much as I don't want to move. As I've told her, it's not a matter of "if" we will get hit but when. It has been a wonderful life living out on the island and close to the harbor and beach but the reality of those issues after Katrina does take much of the enjoyment out of living in the area...especially when you are in the adjusting field and know the realities.

    I do agree- those living in harms way should have to pay the increased rates. We just don't have to like it-smile!

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    Jud G.
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    12/12/2006 5:51 PM

    Seems you should elect to go with a carrier that doesn't provide coverage in a coastal state.  State Farm and Allstate insure in these areas, but depend on less risky insured's (like Tom) and/or inland states to generate their profits or at least enable them to take on more risk like me and Debbie.  Sorry Tom.

    I've always sought out Independent Agents for this reason.  A IA-gent can provide you with five (5) quotes on homeowner coverage and let you take your pick.  The first time I did this, State Farm cost so much more than the others that it looked criminal.  I'm aware that this was just an isolated event, but you can avoid having to fill out multiple applications/questionaires for each quote. 

    Going to an IA enables you to skip out on a lot of leg work.

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