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
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.'
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.
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.
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 companies 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.
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.
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.
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.
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 update 5/16/2012)
Call Michelle 251-928-3430 for more information about
any of these meetingsbr
Click on location link for map
Get to Know HHII Chats
This is the time when people who are new to HHII can ask all their
questions, tell us all their ideas and catch up on what has been
happening. Everyone is welcome!
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
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panies to more clearly disclose to homeowners what their policies do and do not cover. 
Homeowner
insurance policies can contain really important qualifying adjectives that
could easily be used to justify expansive claims denials.
