Most likely storm surge as well, all the S to SE facing shorline is gettin sum.My Beaufort, nc friend says downtown Front St has kayakers. All closed. Low bridges are underwater. Many people are trapped in bars by inches of rain as I finger this, 400 miles from the storm.
The politicians started a State Owned insurance company called "Citizen's Insurance Company." At first they underwrote, used actuaries to do the mathematics, statistics, etc. to determine pricing. But the people of Florida kept complaining. They threw out actuary underwriting, and started using political underwriting - drop the price so the politicians stay in office. Citizens is the #2 insurer in the State.
Should Citizens not have enough money to pay the claims from Ian, the taxpayers of the State are the backstop by law. Look for an extra tax bill in Florida in the coming years to make up for political underwriting and "cheap premiums" those people got.
Huh? Been going there since 1975 - every house on stilts. Some cinderblock places - the Pink Shell! But not the norm.In the old days on the Outer Banks:
A beach house was made of cinderblock and had cheap furniture. A hurricane repair was getting all the sand out of the house and getting more cheap stuff.
Now it is all McMansions that cost millions insured with our tax dollars through federal flood insurance
That's an interesting question. Can't they just raise premiums to cover projected losses?
And I thought that several states passed fairly rigorous hurricane oriented building codes; can't they just extend those to docks/moorings/storage? I suspect that any structure built where an old one got wiped out by a hurricane will be required to be re-built to withstand that same force (or greater) hurricane. Is that not so?
Certainly insurance companies encourage hip roofs. It's not just the roof configuration in FL, however: it's the building codes that were in effect when the house and/or roof was built.I have always known that hip ended roofs do better in hurricanes than gable roofs but these videos sure bear that out. I see hip roofs with dormers that seem to further break up the aero lift that is what strips roofs off in these sort of high winds. Good example here
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My insurance is also through USAA. They apparently have different underwriters depending on where you live.
I think I pay $1200 a year for homeowner's insurance. We did switch to USAA, Allstate - which sucks balls anyway - said they wanted out of anything on an island.