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Hurricane Ian expected to impact Florida (updates and related discussions)

NickMaio

Well-Known Member
Incorrect

Correct. Most flood area houses do NOT have flood insurance.

And you know why? Because the insurance companies have no interest in providing it…so they lobby the state insurance commissioners to make sure it’s not required and play middlemen to the banks that want it.

“For profit” doesn’t mean “for customer”
Sadly this is very correct.
 
Been super busy the past few days but we decided to cancel our trip. I know things would’ve been fine for us at WDW. But I just keep hearing from friends of friends of friends and how recovery is just taking so long in the hardest hit areas how there’s so much recovery movement across the state trying to get resources down and out. Plus it just feels just weird. I know we would be bringing money to an economy/ region that needs it But I feel like the less people there the less resources are being used. I know I’m probably wrong seeing WDW has its own infrastructure anyways. It’s just more personal thing not feeling right enjoying ourselves when people two hours away have no food, shelter, electricity
 

JoeCamel

Well-Known Member
Been super busy the past few days but we decided to cancel our trip. I know things would’ve been fine for us at WDW. But I just keep hearing from friends of friends of friends and how recovery is just taking so long in the hardest hit areas how there’s so much recovery movement across the state trying to get resources down and out. Plus it just feels just weird. I know we would be bringing money to an economy/ region that needs it But I feel like the less people there the less resources are being used. I know I’m probably wrong seeing WDW has its own infrastructure anyways. It’s just more personal thing not feeling right enjoying ourselves when people two hours away have no food, shelter, electricity
10 years after Andrew I was in Homestead, it was still flat and devastated, it has never really recovered.
After Charlie from 2004 to 2020 I was in Punta Gorda weekly, it had little rebuilding and up until Ian hit I could show you huge concrete slabs where building used to be along the main roads.
It takes years and sometimes never to recover from a direct hit, this is the very tip of the beginning
 

Disorbust

Well-Known Member
Watching the hurricane coverage many are saying they stayed because it wasn't going to hit them AND they had pets. I was surprised how not all shelters and hotels allowed pets.

I thought we learned that lesson with Katrina.

I
 

Vegas Disney Fan

Well-Known Member
Now that insurance talk is allowed again…

Why isn’t Florida addressing the problem?

I’ve been reading up on it and the articles I’ve read say it is fraud and lawsuits that are making insurance expensive and insolvent
In Florida, not hurricanes.

Incompetence, back room deals, laissez faire attitude? Seems like a relatively easy fix, why haven’t they don’t it?

As a potential resident I’m still not worried about hurricanes but I am worried about insurance rates and availability.
 

Monothinngie

We’re at now now
Premium Member
Now that insurance talk is allowed again…

Why isn’t Florida addressing the problem?

I’ve been reading up on it and the articles I’ve read say it is fraud and lawsuits that are making insurance expensive and insolvent
In Florida, not hurricanes.

Incompetence, back room deals, laissez faire attitude? Seems like a relatively easy fix, why haven’t they don’t it?

As a potential resident I’m still not worried about hurricanes but I am worried about insurance rates and availability.

How do you propose they fix it?

Right now in PG and FMB and Naples you have hundreds of people with damage to their property. Before Ian hit the area already had labor and material shortages for construction and new builds took years. So there's a huge influx of help coming from arround the country. General contractors, electricians, plumbers, and crooks.

You have a ton of desperate home owners who want to get their homes restored, and a ton of strangers in the area who SAY they are legitimate construction workers. There's no way to really check references, no way to ask your neighbor if they're any good, and if they screw up they can't be contacted again because they aren't from the area.

So the homeowner gets a check for $20k from insurance for a new roof, let's say, and they get a new roof from a perfectly legitimate looking company that charitably came all the way from Texas to help the area recover. But they do such crappy work that the insurance company, upon inspection, will not reinsure the home unless the roof is replaced again, but now the homeowner has no money. They can't get the money back because that company ghosted them and their contact information now goes nowhere.

At least this is the scenario I'm hearing is playing out again and again.

We plan on waiting before replacing our pool cage until the company that put it up can replace it. So we'll spend this winter with the alligators and snakes and noseeums 😭😭 but it sure beats being swindled.
 

Vegas Disney Fan

Well-Known Member
How do you propose they fix it?

I don’t know the specifics but why aren’t they mirroring the regulations of the other 49 states that aren’t resulting in 80% of lawsuits?

The articles I’m reading say Florida accounts for 9% of policies but 79% of lawsuits, and the insurance companies spend billions every year fighting those lawsuits so they lose even if they win.

Mirroring the regulations of the other states that aren’t bankrupting insurers seems a good place to start.
 

Lilofan

Well-Known Member
How do you propose they fix it?

Right now in PG and FMB and Naples you have hundreds of people with damage to their property. Before Ian hit the area already had labor and material shortages for construction and new builds took years. So there's a huge influx of help coming from arround the country. General contractors, electricians, plumbers, and crooks.

You have a ton of desperate home owners who want to get their homes restored, and a ton of strangers in the area who SAY they are legitimate construction workers. There's no way to really check references, no way to ask your neighbor if they're any good, and if they screw up they can't be contacted again because they aren't from the area.

So the homeowner gets a check for $20k from insurance for a new roof, let's say, and they get a new roof from a perfectly legitimate looking company that charitably came all the way from Texas to help the area recover. But they do such crappy work that the insurance company, upon inspection, will not reinsure the home unless the roof is replaced again, but now the homeowner has no money. They can't get the money back because that company ghosted them and their contact information now goes nowhere.

At least this is the scenario I'm hearing is playing out again and again.

We plan on waiting before replacing our pool cage until the company that put it up can replace it. So we'll spend this winter with the alligators and snakes and noseeums 😭😭 but it sure beats being swindled.
Your example of $20K check from the insurance company is reality. Then enter the crooked money hungry roofers who prey on the desperate homeowners. To get the roof done it won't cost $20K but $30K. Dont like it? Then hope that blue tarp that covers the open gaps of the damaged roof doesn't leak water into the house in future rain storms.
 

John park hopper

Well-Known Member
I posted this before after hurricane Hugo we were inundated with supposed roofers and contractors that did shoddy work and then left the state. Th homeowner was left holding the bag not getting what they paid for.. Beware and know who you are hiring to do the work and never ever pay up front.
 

SoFloMagic

Well-Known Member
Now that insurance talk is allowed again…

Why isn’t Florida addressing the problem?

I’ve been reading up on it and the articles I’ve read say it is fraud and lawsuits that are making insurance expensive and insolvent
In Florida, not hurricanes.

Incompetence, back room deals, laissez faire attitude? Seems like a relatively easy fix, why haven’t they don’t it?

As a potential resident I’m still not worried about hurricanes but I am worried about insurance rates and availability.
Too busy fighting the largest private employer in the state during special sessions of legislature instead of using those special sessions for insurance reform as previously announced.
 

Monothinngie

We’re at now now
Premium Member
762980BF-C486-4A74-A7D9-D81EFE6730AA.jpeg


The bridge to Sanibel Island yesterday morning ❤️
 

Vegas Disney Fan

Well-Known Member
It’s amazing how quickly we can do things when the will is there, the news was saying it would take months to restore the bridge, they managed it in just over a week.

It’s also encouraging to see how good people really are, we usually highlight the bad people so it’s easy to forget the majority truly are good people.
 

JoeCamel

Well-Known Member
View attachment 672280

The bridge to Sanibel Island yesterday morning ❤️


Not sure if FB videos work here but this was really moving ❤️ One by one they go, restoring power and hope.

That's amazing. The cavalry has arrived. 😍

Truly heartwarming. I'm tearing up.
Hero's all, they come from all over leaving their families behind to help people they don't know in terrible conditions because they know if the situation was reversed locals would be at their door asking to help.. The cooperation agreements and planning for major disruptions is amazing to see.
Thank you from me to them
 

donsullivan

Premium Member
A little update that the flooding behind the Magic Kingdom has finally dissipated and Reams Road has now re-opened. The impact of these storms last much longer than the national news coverage. Bay Court is the entrance road for the residential community in the city of Bay Lake to the east of the North Service Area. Floridian Place runs along the west side of the CM parking lot.

 
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