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

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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

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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HHII MEETS WITH GOVERNOR'S STAFF

On March 18, 2015, about 30 people crowded into a small Montgomery conference room to demonstrate to the Governor's staff that coastal insurance premiums are unjustly high and ask him to appoint Coastal Insurance Working Group to immediately begin crafting a Plan for Fair Property Insurance Premiums, Deductibles and Availability in Alabama. In addition to five members of the governor's staff including his chief of staff, most of our coastal legislators, representatives from the Cities of Mobile and Fairhope and Baldwin County Commission, four members of HHII, and three members of the Department of Insurance.

The meeting went very well. Although the time was limited, HHII was able to present its key Power Point slides, which helped impress the idea that DOI methods (and attitudes) are systemically biased against the coast. At the conclusion of the meeting , David Connor, the Baldwin County lawyer, gave the “closing statement” which captured everyone's attention. Finally, the Governor’s Chief of Staff said he would make sure that Governor Bentley saw the request for the working group by the end of that day.

HHII is grateful to Representative Joe Faust, who has taken a hard stand and vowed that "we're not backing up," for helping to set up this meeting.

Since then, Insurance Commissioner Ridling has been trying to meet with coastal legislators to pry them away from taking the next steps, and undo the progress and momentum built in that meeting.

Posted 3/25/2015

INSURANCE INDUSTRY PROFITS SURGE

Net profits in the U.S. property/casualty insurance industry increased 91.5% to $69.9 billion in 2013 compared to $36.5 billion in 2012. The surge in profits stemmed from vastly improved underwriting performance as moderate rate increases and lower catastrophe losses propelled the industry to a net underwriting gain of $20.8 billion and produced a combined ratio of 95.7% — measures not seen since 2007. In addition to the impressive underwriting performance, the industry rec- orded a net investment gain of $64.9 billion despite a pro - longed period of low interest rates that has only slightly low- ered investment yields. Policyholders’ surplus rose to $665.2 billion as net income, along with net unrealized gains of $22.9 billion were partially offset by stockholder dividends totaling $40.8 billion. The remarkable profits generated in 2013 attributed to a return on surplus of 14.6% — a ten year high. The increase in earned premiums coupled with lower incurred losses led to a 51.1% increase in net cash provided by operating activities to $58.6 billion. The industry’s li- quidity position was further strengthened by the positive cash flow and resulted in a liquidity ratio of 78.0%/p>


Read complete NAIC report

Posted 3/13/2015

NC takes aim at inequities in coastal insurance

Wilo Kelly, an advocate for insurance reform, and others say that coastal counties are carrying an unfair load of insurance premium increases partially as a result of faulty underwriting models. She worked with NC Sen. Cook to craft the legislation, which addresses numerous other aspects of property insurance.

The legislation takes aim at the type of models used to predict risk and set rates, Kelly said in an interview last week. It also would increase transparency in the rate-setting process and change how the North Carolina Insurance Underwriters Association handles premiums and reserves in the event of catastrophic losses.

Read full story

Posted 3/13/2015

MISSISSIPPI LEGISLATURE PASSES
CLARITY BILL

HHII has just (3/4/2015) learned the MS Clarity Bill passed both houses!! It now just needs the Governor's signature to become law. Congratulations to MAWIC, Rep. Richard Bennet, and other coastal legislatures for making this happen.

Posted 3/5/2015

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