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

EE1. Significant reduction in premiums
2. Reliability of Insurance Companies
3. Just payment of claims
4. Sustainable solutions

CONTACT HHII

To find out how to reach us, click here

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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.

 

JOIN HHII & BE PART OF
THE GROUNDSWELL

We need your help to achieve these goals.

Call EMI at 251-928-3430 and ask for Michelle Kurtz or Dan Hanson


SUPPORT HHII


All donations are tax deductable

 

IMPORTANT ISSUES

Click link to go to more information

Governor's and Coastal Legislators' Work Group

Clarity Act data

Clarity Act in other states

Coastal Band Solution

Coastal Wind Insurance Crisis

 

FOLLOW HURRICANES ON NNOAA

MORE STORM TRACKING ON
MIKE'S WEATHER PAGE

 

SOME RECENT POSTS

Click on link to go to post

PRICING TORNADOES: USING CAT MODELS FOR GRANULAR RISK UNDERWRITING

Homeowners Premiums Gouge Coastal Alabama Mobile & Baldwin County pay 300% to 600% More!

SEND YOUR LETTERS TO GOVERNOR BENTLEY

ARE THE INSURANCE COMPANY'S MODELS SCIENCE?

Gov. Bentley appoints new Coastal Insurance Work Group

 

FIND YOUR ELECTED OFFICIALS

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

 

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Governor announces insurance changes for coastal homeowners

During the gubernatorial campaign ahead of the 2010 statewide election, HHII invited then candidate Robert Bentley to come and discuss the “skyrocketing” homeowners insurance rates for Coastal Alabama residents. Gov. Bentley recalled the meeing in his announcement on Wednesday, May 18, 2016 at Five Rivers Delta Resource Center,  saying “They were kind enough to sit down with me at the coffee shop, and we met a few times after that. We talked about this problem that affects so many people who cannot afford their homes sometimes because their homeowners insurance is so high.

Read MOU between the Alabama Department of Insurance and the Alabama Insurance Underwriters Association (AIUA) Fact Sheet on property insurance in Alabama’s Coastal Counties

Click the link to read the full Lagniappe report of Gov. Bentley's announcement

Updated 5/21/2016

MULTI-STATE SOLUTION GAINS BROAD SUPPORT

The Homeowners' Hurricane Insurance Initiative (HHII) has been working very hard to bring together a small group of experts to examine all the facts associated with high wind insurance premiums and on March 31, 2016, technical experts from seven Gulf and Atlantic State Departments of Insurance and/or wind pools  participated in a day-long discussion right before the National Association of Insurance Commissioners gathering in New Orleans.

The meeting's purpose was  to evaluate the pros and cons of several multi-state structures that would collect and distribute catastrophe wind (maybe flood, and maybe multi-perils) premiums as a non-profit, with the objective of minimizing the effects of the interaction of reinsurance and catastrophe models on consumers.

The following day (4/1/2016) the Gulf Coast/East Coast Coalition (GCECC) met in Biloxi at the Steps Coalition to lay out a strategy connecting several layers of our communities - Churches, trade organizations (like realtors, homebuilders), chambers of commerce, banks, local-state-federal elected officials, regulators (DOI) and the insurance industry - where the end result will be that our federal level elected officials will feel the need to make the establishing of a multi-state entity, (such as described starting on page19 of the  Coastal Insurance Work Group report recently presented to Gov. Bentley), a reality.

 GCECC has the vision to give the needed muscle to do the heaviest lift imaginable – to be the catalyst that will return insurance to its original vocational calling in society – to be the source of resilience after a catastrophe. 

As an indication of the breadth  of support for this approach, the following entities were represented in these discussions: a Congressional and a State legislative office  Alliance Institute, the Alabama DOI, BISCO, StopFEMAnow, NC-20, United Policyholders, Steps, and GCEC/HHII  Grassroots organisations from seven states participated in person or by phone.

Charlie Angell (Al DOI) and Michelle Kurtz & Earl Janssen (HHII) and deserve recognition and thanks for organizing and facilitating these discussions.

Click to read Salient Points from technical experts  meeting (3/31/2016) and .to read Biloxi grass roots  meeting (4/1/2016) minutes.  The insurance notes might get a bit dense. A couple of key sentences are highlighted in yellow -- significant statements from the consumer-grassroots perspective. They say, basically:- Multi-state Merged Wind Pools can Morph into a National All-Catastrophic-Perils insurance entity. (Bye-bye BW?) Properly done, Geographic spread of Risk and Multiple Perils offers policyholders the best prices and security.

Posted 4/13/2016

LAGNIAPPE REPORTS ON COASTAL INSURANCE BILL

The March 31 edition of Lagniappe carries an informative article on page 8 headed 'Coastal Insurance bill advancing in Legislature'. Lagniappe is a notable exception to the general lack of coverage given by the majority of local media.

Posted 4/2/2016

LARGE CROWD AT ORANGE BEACH ACIA COMMUNITY MEETING

The Orange Beach HHII/ACT-II Insurance informational meeting about the proposed ACIA was superb. More than 200 people showed up and stayed long



.
Charlie Angell (Al. Department of Insurance) did an excellent job explaining ACIA. Earl Janssen chaired the meeting. The audience reception was very warm.


Posted 3/23/2016

LILLIAN ACIA COMMUNITY MEETING DRAWS LARGE AUDIENCE

660 people attended the community meeting in Lillian and asked very good questions for 45 minutes. They were very supportive of the proposed Alabama Coastal Insurance Authority proposal and legislative bill. 

 

 


Updated 3/23/2016/p>

Alabama Coastal Insurance Authority

The Governor’s Work Group proposes to cut wind premium by 50% while YOU will only pay for actual claims that occur, not the potential losses predicted by the  catastrophe models!

Legislation (HB321, SB298) has been inroduced to create the Alabama Coastal Insurance Authority (ACIA).  Read the Bill point paper & Frequently Asked Questions to understand how the ACIA will do the job.

Read Mark Fowler (Chief of Staff ADOI)'s remarks before the Al House Insurance Committee.

Updated 3/22/2016

CIWG FINAL REPORT ISSUED

The final report of the Coastal Insurance Work Group was presented to Gov. Bentley on Wednesday, January 20, 2016. The executive summary is a decent overview but the multi-state solutions get better coverage starting at page 19.

HHII feels strongly that the ACIA (AL only option, a possible model for multi-state) and multi-state have to be implemented in close succession if not simultaneously or else AL could be swinging in the breeze. ACIA is a strong solution, but it is the multi-state solutions that bring robust resilience, sustainability and all kinds of possibilities for financing community mitigation.

Posted 1/23/2016

HHII WELCOMES SPEAKING ENGAGEMENTS

HHII can fully inform your community or fraternal organization, or church group, small or large, about what is happening with homeowners' insurance.  The presentation can be as short as ten minutes or as long and in depth as you would like.  Call 251-928-3430 if you know of any who would be interested.

 Posted 8/6/2012

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UPCOMING HHII MEETINGS

All HHII meetings are open to everyone interested in HHII's goals.  You do not have to be invited or a member of a committee to participate.  All good hearts and minds are welcome

 

(Last updated 5/20/2016)

 

 CALENDAR

Call Michelle 251-928-3430 for more information about any of these meetings Click on location link for map

 

HHII Meetings

Additions since last update are highlighted

 

HHII at work in other states

Call Bob Chatham if you live in Coastal Mississippi (228-861-3245)

 

Other Important Meetings

MULTI STATE ALLIANCE
(GCECC)

Insure our Coast

 

 

WEBSITE LINKS

United Policy Holders
Tip of the Month

 

State of Alabama
Emergency Management Agency

 

MAWIC

Mississippi Affordable Wind Insurance Coalition

 

NC-20
North Carolina coastal counties


CWIC
Texas Coastal Windstorm
Insurance Coalition


The Tropical Meteorology Project
Colorada State University


 Florida Catastrophic Storm
Risk Management Center

The Florida Catastrophic Storm Risk Management Center supports the state's ability to prepare for, respond to, and recover from catastrophic storms.

 

Coastal Insurance News
Mobile Press Register articles on al.com

 

The Florida Current
Good source for Florida insurance news

 

Florida Realtors Flood Insurance Toolkit

This toolkit includes links to detailed information to help answer questions about the changes coming to the NFIP.

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. Read History of ACT-II.

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