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
* This is a large file & may take some time to
download, depending on your connection speed
Posted 5/16/2013
HHII APPRECIATES REP. JOE FAUST'S SUPPORT
Rep. Joe Faust has gotten behind HHII in a big way. He has opened doors with our business community. He has raised funds
for this FREE fish fry all by himself. He has sent out letters of introduction to other state legislators in FL, MS and LA.
He believes in what HHII is doing and says this cooperation between HHII and himself is something that he feels best about in all of his political career. Rep. Faust knows that we have a winning solution for the coastal homeowners insurance problem – a
coastal reinsurance band.
Rep. Faust is lifting the heavy weights and now we all need to do what we can to make this a success.
Posted 5/1/2013
COASTAL REINSURANCE BAND IDEA GAINS TRACTION
HHII now has 15 grassroots organizations conferencing by phone twice a month in eight states – MS, NC, SC, NJ, LA, MS, AL, FL and a Nat'l organization – United Policyholders.
Legislators in four gulf states have been networked and have agreed to explore a coastal band solution to the wind insurance crisis. Here in AL the lead legislators are Rep. Faust and Rep. Bracey.
SOUTH CAROLINA PROBES ALLSTATE
RATE INCREASE REQUEST
South Carolina DOI shows great tenacity in
probing Allstate's request for a rate increase
and questions the validity of the hurricane
forecast models they use. HHII would like
to see Alabama's DOI show the same level of
interest in protecting the consumers' interests.
You can study the question and answer exchanges
here
and here
.
(Warning: this is heavy reading!)
Posted 4/28/2013
Mass. home insurer seeks hike in premiums
Fair Plan cites storm risks, 7 years since last hike
From 4/16/2013 article by Taryn Luna in Boston
Globe
Fair Plan, the state’s home insurer of last resort, is proposing to increase rates an average of 6.8 percent, citing greater vulnerability to major storms in coastal regions and the need to raise premiums after seven years without a rate increase.
Fair Plan, a consortium of the state’s insurers, provides policies to residents who cannot get coverage in the open market. It is the state’s largest home insurer, writing about 200,000, or 10 percent, of the state’s 2 million home policies.
Rate changes would vary among communities, but
the proposal would cap both increases and
decreases at 9.9 percent.
The proposal must be approved by state
regulators before the rates can take effect in
July. Last year, Fair Plan proposed an average
statewide increase of 7.2 percent, also citing
the risks of hurricanes and other major storms
and the lack of a rate increase in years. State
Insurance Commissioner Joseph G. Murphy,
however,
rejected the plan.
“The commissioner's position was that we did not provide enough evidence of the reasonableness of each component of the rate filing,” said Bob Tommasino, general counsel for Fair Plan.
This time around, Fair Plan is providing additional data. Tommasino said the increases are based on the cost of reinsurance, essentially the insurance company’s insurance, and new hurricane models that suggest an increased risk of a natural disaster hitting Massachusetts.
FromSouth Carolina The Post and Courier Storm of
Money Series 4/14/2013
It isn’t easy for homeowners to discuss the complexities of property insurance — beyond saying that they pay way too much for it.
But in a series of articles called “Storm of Money,” The Post and Courier’s Tony Bartelme has given property owners enough information to explain to their representatives in Columbia why they are dissatisfied — often really, really dissatisfied — with what they are paying and how the industry works in this state.
A bill submitted to the State legislature for
consideration sets out to gather data, address concerns and ensure that consumers and legislators have the information they need to handle their business effectively.
Its four basic tenets make sense and are similar
to HHII's recently enacted Clarity Bill and
several other bills proposed by Ben Brooks when
he was in the Alabama Senate:
■ Homeowners must be empowered as informed consumers — able to shop for fair prices and make sound choices. The state’s insurance commissioner would be the facilitator.
■ More insurance providers must be willing to do business in
the State because they are confident it is a fair and profitable market. The more providers, the more competition and the better prices for consumers.
■ Consumers should be encouraged to lower their premiums by making improvements to their property.
The bill would increase funding that allows those upgrades to win homeowners tax credits, and would make people aware of other incentives related to property insurance.
■ The Legislature and the public need to receive regular, accurate and understandable data about the industry in
the State and elsewhere. What are the premiums? What are the profits?
Wisely, the bill’s approach is not for the state
to interfere in the insurance business overmuch,
but instead to foster a market-oriented
environment.
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.
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 5/16/2013)
Call Michelle 251-928-3430 for more information about
any of these meetings
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
require Adobe Reader
to view. You can download the free application by clicking the
button below.
