This is virtually identical to the
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.
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,
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.
(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.
PROPERTY INSURANCE REPORT
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!
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.
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.
DON'T DROP YOUR FIRE & THEFT INSURANCE!
HHII has heard reports of homeowners who have dropped
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.
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.
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 email@example.com