Regarding the coverage of property insurance, when my wife and I moved from out of state roughly three years ago, we were appalled by the outrageously high cost of homeowners’ insurance as well as the gigantic amount of the deductibles. We knew Florida insurance would be more expensive than homeowners’ insurance we had before, but we were unprepared for the sticker shock.
For each of the subsequent years until now, the price of the insurance had increased modestly. This year, we have been hit with an increase of more than 25 percent. I called both the insurance company and the local agent. I was told there were two increases authorized by the Florida Office of Insurance Regulation. There was a tiny increase in the amount of coverage, but we still would probably have had an increase of more than 25 percent in our premium.
We have had no claims on the policy, and there has been no change in the risk for the insurance company. Yet the company has been able to get the increase. At the same time, the cost of reinsurance has fallen. And we have had no serious storms. The Office of Insurance Regulation should not simply do the companies’ bidding.
Insurance premium on old home a joke
Twenty years ago, my husband and I bought a neat “old house.” We upgraded all wiring to code. We replaced all slat windows with double-insulated, impact-resistant, Miami-Dade County approved hurricane windows. We have steel accordion shutters that can also be added.
We replaced the roof with top-of-the-line, Miami-Dade-approved materials. We replaced all water pipes. We added natural gas appliances. We removed all the window air-conditioning units.
Our house is still uninsurable except under Citizens or one of the insurance companies it kicks us out into because it is more than 50 years old. We have never put in a claim. We are not in a flood zone, but we carry flood insurance.
We are highly considering not paying the $5,100 premium on a house they appraised at $267,000, and with the deductible that is a laugh. In 10 years, we can tear most of this house down and build another one with the $510,000 we have saved, and have a new, more valuable, insurable house
MARY JO MOORE
Insurance rules change to benefit big business
This is in response to the letter from Michael Peltier of Citizens Property Insurance Corp., “Post wrong on reinspection program.”
I have had hurricane insurance for more than 40 years and never filed a claim. I had State Farm for years until all insurance providers decided they would cherry-pick what to insure and what not to insure. If our so-called representatives in Tallahassee had not allowed insurance companies to drop whomever they wanted, we would not have Citizens.
I was inspected in 2012 by Citizens. Most of my deductions or credits were removed, and my hurricane insurance nearly doubled. Every deduction I had was originally approved by Citizens. Now, almost all my deductions, which were originally approved by Citizens, are no longer valid. I now have no hurricane insurance.
All these companies need to do is change the existing rules and then they raise your insurance. Why bother to make changes? You make changes, they change the rules. The title to this letter and response to Mr. Peltier should be, Would you sell your soul for a dollar?
Want to help society? Foster a child
In response to the letter “Abortion culture key to Okla. murder, ” perhaps if the mothers of the three alleged suspects had chosen abortion, Christopher Lane, the Australian here on a baseball scholarship, would be alive. If all the rabid anti-abortion advocates would adopt these unwanted children, then maybe they would get my vote, but until there are no more children being warehoused because no one wants them, I say mind your own business. I wonder how many children the letter-writer has welcomed into his home?
Abortion is a woman’s choice
Regarding the letter “Abortion culture key to Okla. murder,” I wonder:
Why is it men that have these feelings, when it is a woman’s body? Why was this senseless murder tied to abortion when there is no connection? The greatest destroyer of peace is people forcing their views on others. It has gone on forever. Abortion is strictly a woman’s decision. Enough already.
Letter should not have been published
It was with great disappointment that I read the “Abortion culture key to Okla. murder” letter from such a biased, narrow-minded writer. Shame on you for giving the space for such a letter. Some call the paper a liberal publication? Really? You should be more discriminating in the choice of what you publish.
MARTI K. WEISS
Scientific facts trump conspiracy theorists
The Palm Beach Post does a disservice to its readers by printing letters that enable those with no known expertise to feebly explain science (“Global warming not backed by facts.”)
Global warming may be great theater for the arrogant and absurd, but it will remain a complicated topic that should be left to advanced-degreed scientists to explain with authority. In this most recent case, the old “water vapor accounts for almost all greenhouse effects” argument is one of the top 20 myths perpetuated by climate change deniers. It has been debunked many times, but continues to be a weapon in the disinformation arsenal.
For those unimpressed by opinions of true climate scientists, ask yourself this: Why do you seek only a degreed medical practitioner to address significant health issues? It is likely because voodoo isn’t a research based medical treatment, or a valid rebuttal to rigorously tested scientific theories.
Royal Palm Beach
Editor’s note: Geoff Shaughnessy holds a master’s in atmospheric science from the University of Michigan.
Peace needs to start with Muslims
A supporter of ousted President Mohammed Morsi of Egypt suggested that President Barack Obama and the United States were complicit in the Egyptian massacre. I’m surprised he didn’t include Israel as also being complicit.
He wants a “peaceful solution?” What else is new. So how about Muslims stop hating each other? That would be a good beginning, instead of blaming others. When Sunnis stop hating Shiites and visa versa, as they have been doing for thousands of years, peaceful solutions are possible.
Those who skirt rules on mortgages rewarded
The article by Kimberly Miller “Florida homeowners get $9.2 billion in home help” pushed me over the edge.
I get very annoyed by how thousands and thousands of people are being bailed out of their mortgage debt, most of whom don’t deserve it. The majority of these people overextended themselves with the help of the banks, all in the name of greed, bringing our economy to the brink of financial disaster.
Now, these same people are being rewarded with mortgage reduction, forgiveness of second mortgages (for their vacations, cars and iPads,) easy short sales (with no liability,) waivers and moving expenses and now free homes. Banks continue to artificially pump up their balance sheets and stock prices. People who should be in jail are getting fatter bonuses.
The system does not work. What about the people who continue to pay their mortgages and don’t walk away from them when their values are underwater or those who sell for a loss and absorb that loss in an effort to honor their debts? The banks should reward these people — the honest homeowners. If all of them took the easy way out, we would have no banking system and all the fat cats would be out of a job and maybe where they belong.
Of course, then we would be living under a useless, socialistic government. Oh, I forgot. We already have that.
THOMAS F. MELILLO