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

To find out how to reach us, click here

Or follow us on Facebook or Twitter

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

New PageClarity Acts passed in other states

New Page with Analysis of Data from Clarity Act

New Page on Flood Insurance &
Biggert Waters Act Issues

Bills backed by Affordable Homeowners Insurance Commission

Coastal Band Solution

Property Insurance Clarity Act

Fortified Construction

 

FOLLOW HURRICANES ON NNOAA

MORE STORM TRACKING ON
MIKE'S WEATHER PAGE

 

SOME RECENT POSTS

Click on link to go to post

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

SEND YOUR LETTERS TO GOVERNOR BENTLEY

Florida Hurricane Catastrophe Fund Annual Report

Louisiana Hurricane Catastrophe Fund Analysis

 

FIND YOUR ELECTED OFFICIALS

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

 

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WILL THESE PROPOSALS LOWER YOUR PREMIUMS?

Below is the reply an HHII member received in response to his recent letter urging Governor Bentley to make changes at the Alabama DOI and take action to resolve the homeowners' insurance crisis.

Click here to see full size letter

This is virtually identical to the letter Governor Bentley sent in response to similar complaints almost a year ago in April, 2014!  It is clear that the Governor has no intention of taking any meaningful action unless he feels grass roots pressure from you and your representative.  Write to the Governor as outlined in the post below and tell your representative to confront Bentley with the need for change NOW.

Posted 3/3/2015

Wouldn’t you like to have a $2000 increase
in disposable income next year
and your wind insurance reduced?

Make it happen by writing Governor Bentley.

Five Facts that you need to know:

1. The Clarity Law requires the insurance companies in Alabama to report by zip code the amount they received in premiums and the amount they paid in claims. We now have 11 years of FACTUAL DATA.

2. Since 2006 Coastal Alabama families have been paying 300 – 600% higher homeowners’ insurance than the rest of the state, plus huge deductibles.

3. In 2013 alone Mobile and Baldwin counties paid $258.7 million in premiums but received only $49.5 million in claims yielding a $209 million difference. A HUGE GOUGE taken out of our family budgets!!

4. Governor Bentley stated that insurance rates on the coast “is unfair the way it is done” on 710 AM in Mobile during the Uncle Henry show September 30, 2014.

5. Existing Alabama law –Title 27 insurance; Chapter 13 Rates & Rating organizations; article 1 states that

* rates must not be excessive to the consumer, 

* Inadequate to the industry,

* UNFAIRLY DISCRIMINATORY.

We need an attitude change in Alabama Department Of Insurance and the Governor is the one person who can make it happen. Take a few minutes to write Governor Bentley how tired you are of the ADOI practicing “unfair discrimination” against the coast. You can write by way of his insurance policy person, suzanna.willis@governor.alabama.gov

Posted 2/24/2015

CLARITY LAW ADVANCES IN MISSISSIPPI

MAWIC (MS HHII) report  that the MS Senate Insurance Committee unanimously passed the House version of the Property Insurance Clarity Bill that was passed unanimously last week on a floor vote in the House.

The Bill will now go to the Senate for a floor vote (the last hurdle). We hope that there will be no changes in the Bill when it gets to the Senate – there were no changes in committee. Not sure when the Senate floor vote will come, but our Coast legislators will keep us informed.

Rep. Richard Bennett told MAWIC he is going to get copies made of all the previous memory joggers and have them distributed to all the state senators. He added too that the one memory jogger that had the most impact on everyone at the capitol was the one that showed how much more money the public schools in Harrison County are now paying for insurance compared to the amount they were paying when Hurricane Katrina hit in 2005.

Thanks be to God for this achievement! Thanks also to our hard working Coast legislators. They have all done a tremendous job.

Posted 2/19/2015 (hat tip to Bob Chatham)

HHII MEETS WITH GOVERNOR BENTLEY'S STAFF

HHII-AL is working hard trying to focus the attention of the Governor on the validity of the Clarity Law Data and the need for him to direct the Dept. of Insurance to treat the coastal counties fairly. Our work is cut out for us. We met with his top policy advisors February 4, 2015. They were stunned when we showed them that for the last ten years the coastal loss in claims dollars per policy was lower than inland Alabama.

Posted 2/8/2015

PROPERTY INSURANCE REPORT
HIGHLIGHTS ALABAMA

This national publication highlights a different state in each issue and includes reference to the work of HHII. There is a lot of data to digest. Check out the article on reinsurance. If the cost is dropping, why have we not seen a nice reduction in our wind insurance? Reinsurance is 60% of coastal AL's wind premium. That is why we need the Coastal Band!

Posted 2/8/2015

HHII Trivia Team the Hurricanes wins
Fairhope Sunset Rotary Battle of the Brains

An HHII team of very, very knowledgeable people won the First Annual Battle of the Brains trivia contest hosted by Fairhope Sunset Rotary Club January 27. The win earned $10,000 for Ecumenical Ministries, a long-time, widely respected service agency in Baldwin County. The team was called The Hurricanes.

An anonymous donor volunteered to put up $500 of the entry fee if other individuals would come up with the other $500. AC Leggett, Jerry Bergman, Michelle Kurtz, Dan Hanson and several others pitched in to pay the full amount.

The Hurricanes were among 11 teams that sponsored charities. Hargrove Engineers + Constructor and Justification for Higher Education came in a close second and third.

Posted 1/29/2015

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

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. 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