ACT-II

All Churches Together - is a faith based, Christ-centered, organization which operates on principles of truth, respect and fairness to all races and classes.

THE GOALS OF HHII

1. Significant reduction in premiums
2. Reliability of Insurance Companies
3. Just payment of claims
4. Sustainable solutions

CONTACT HHII

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TELL US YOUR STORY

If your premiums have become too expensive, your coverage has been dropped, or your claims settlement was unjust, tell us about it here.

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We need you to help us achieve these goals.

There are no membership fees.  Just complete and submit the form below.  Information will be used only by HHII.

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All donations are tax deductable


LISTEN TO HHII'S THEME SONG


Music by Blind Dog Mike
Read all the lyrics here


IMPORTANT ISSUES

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Affordable Homeowners Insurance Commission

Coastal Recovery Commission

Download final report

Property Insurance Clarity Bill

Fortified Construction

FOLLOW HURRICANES ON NNOAA

 

SOME RECENT POSTS

Click on link to go to post

Read another story about homeowners who may lose it because of high insurance costs

UNDERSTAND INSURANCE TERMINOLOGY

Bentley has yet to deliver on promise to address homeowners' insurance rates

Inspectors doubt insurers discount premiums for houses built to code

Alabama among weakest of hurricane-prone states in building code study

Hazard Insurance With Its Own Perils

INSURERS SHIFT RISK AND COSTS OF WEATHER CATASTROPHES TO CONSUMERS AND TAXPAYERS

 

FIND YOUR ELECTED OFFICIALS

Click on link above to find who represents you in State & Federal government

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READ NEWS, MEETING MINUTES & REPORTS OF AFFORDABLE HOMEOWNERS' INSURANCE COMMISSION  

Meet the AHIC Commissioners 
Minutes of 4/11/2012 Meeting
Citizens' letters to AHIC
Read minutes of previous AHIC meetings HERE

 Follow Commission on

Updated 4/16/2012

ALFA DOES IT AGAIN!

From a recent letter to a policy holder: 'You are hereby notified in accordance with the terms of the policy identified above that the policy is terminated effective on the DATE AND TIME shown above. No further protection will be provided under this policy after the stated date and time.'

Read the whole story & others like it

Posted 5/16/2012

PRESS REGISTER EDITORIAL ON INSURANCE BILLS

ALABAMA LAWMAKERS approved four insurance reform bills during the regular session that wraps up today, but their work is far from over. Indeed, it’s hardly time to declare victory and dismiss the idea of a special session just for insurance reform.

Gov. Bentley called the bills passed so far a “giant step forward” in making insurance affordable to people on the Gulf Coast. While we wouldn’t go that far, we’d agree that Alabama is making some progress.

Read complete 5/16/2012 editorial

Posted 5/16/2012

Insurance bill SB210 achieves final passage in Legislature

The Alabama House passed all four of the insurance bills, including SB210, the Clarity Bill, on its agenda this afternoon (5/8/2012), leaving the governor's expected signature as the only obstacle remaining to a significant part of south Alabama lawmakers' insurance package becoming law.

Read Package of insurance bills achieves final passage in Legislature at al.com

Posted 5/8/2012

HHII REACTS TO PASSAGE OF CLARITY BILL

Only a few months ago experts, lobbyists, many legislators and the media predicted that the Clarity Bill was dead on arrival. The faithful work of our coastal legislators and consumers demonstrates what can happen when people of good will work together.

HHII particularly appreciates Senator Trip Pittman's diligence and dogged work for passage of the bill. The momentum he built for the altered the course of events midway through the session.

All coastal legislators – Democrat and Republican - are to be praised for their remarkable work in getting The Clarity Bill (SB210) passed in the State Legislature.

This is an excellent first step.

As a church-based organization, we thank God for all the times that He gave us breakthroughs in some of the darkest moments.

Productive insurance industry participation helped craft a bill, we believe it is the most that can be accomplished in the current legislative environment. As passed it has several significant changes from the wording HHII would have preferred. Even so, it has the potential to bring much needed data to light.

HHII trusts the insurance companies will continue to cooperate in good faith to provide the information necessary to make a meaningful comparison of insurance costs throughout the state.

Posted 5/8/2012

House approves bill to require insurers to disclose coverage

The House of Representatives voted 96-0 late Thursday night (5/3/2012) for the bill requiring insurance comSteve McMillanpanies to more clearly disclose to homeowners what their policies do and do not cover.

It now moves to the Alabama Senate for consideration.

"It's needed to inform Alabama homeowners of their rights in respect to their insurance policies," sponsor Rep. Steve McMillan, R-Bay Minette, said.

Read Alabama House approves bill to require insurers to more clearly disclose coverage at al.com

Posted 5/4/2012

TIRED OF BEING DUMPED ON & PREMIUMS GOING UP? Learn the Facts about Coastal Alabama’s
Homeowners’ Insurance Crisis

HHII has put together a slide presentation that presents evidence of the possible bias of the Dept. of Insurance against the southern counties, a review of the band-aid solutions that are being proposed, the real solution - The Clarity Bill - and a review of the Governor's Commission.  People are telling us that these slides are giving them information that they have not seen anywhere else.

Download this PowerPoint presentation to learn all the facts about coastal Alabama's homeowners' insurance crisis and the real solution that will fix this problem for good. 

YOU JUDGE THE EVIDENCE AND DECIDE IF GOVERNOR BENTLEY'S DEPT. OF INSURANCE IS DISCRIMINATING AGAINST US!!! Join us!

This is a large file and may take several minutes to download depending on the speed of your internet connection.  You will need Microsoft Office PowerPoint viewer installed on your computer to view it.

Revised 4/26/2012

MAKE THE FACTS KNOWN

The Alabama Department of Insurance believes that homeowners premiums are going down!!!  Please send HHII a brief summary of your story if your premium was increased this year.  Send it, with your name, telephone number, and date, to Michelle at hhiiact2@gmail.com.

Governor Bentley's Affordable Homeowners' Insurance Commission needs to hear from people who retrofitted their house and then their premiums went UP!!  Please send HHII a brief summary of your story if this has happened to you.  Send it, with your name, telephone number, and date, to Michelle at hhiiact2@gmail.com.

Posted 2/14/2012

HHII NEEDS YOUR FINANCIAL SUPPORT

HHII, the three-year-old, coastal Homeowners Hurricane Insurance Initiative, serves on Governor Robert Bentley’s Affordable Homeowners Insurance Commission. Governor Bentley asked the Commission to solve the wind-and-hail insurance crisis. He vowed to call a special session of the Legislature if the Commission crafts workable legislation.

Even though Commission meetings are upstate and some require overnight stays, the state will not pay member costs. It won’t pay the costs of bringing in outside experts, either, nor for attendance of the HHII advisory team. As part of its strategy for leveraging real solutions, HHII is committed to bringing into public light as much about Commission activities as possible.

HHII is the only Alabama grassroots organization exclusively focused on getting this crisis fixed. It’s committed to representing the interests of families only. HHII member and advisory board attendance at Commission meetings, the need for outside expert testimony, and aggressive publication of Commission activities -- these costs will run several thousand dollars.


All donations are tax deductable

Revised 8/21/2011

DO YOU UNDERSTAND WHAT YOUR POLICY COVERS?

Homeowner insurance policies can contain really important qualifying adjectives that could easily be used to justify expansive claims denials. 

For example, some carriers insure against what they call "risk of accidental direct physical loss"  and others against "sudden and accidental direct physical loss."

Work with an experienced and reputable insurance agent to cut through all the confusing language, to be sure you have the coverage you want.

Read more at WSJ.com

Posted 12/5/2011

DON'T DROP YOUR FIRE & THEFT INSURANCE!

HHII has heard reports of homeowners who have dropped all insurance coverage because of unaffordable premiums.  HHII urges homeowners to maintain mult-peril (fire & theft) coverage even if they can no longer afford wind coverage.

Posted 1/7/2011

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ACT-II was developed by Baldwin County pastors in conjunction with Ecumenical Ministries, Inc. Together we work on a wide variety of problems in both poor and affluent communities around the county. Our mission is to develop leaders and empower people to take democratic action to improve the quality of life in our communities using our dialogue to action church-based model and principles.

This site is maintained for HHII by Colin Keleher, who is solely responsible for its content.  In general, posts with upper case headings originate with HHII; posts with lower case headings are aggregated from the cited sources.  Please report errors and make suggestions to colinkeleher@ieee.org