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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Alabama Center for Insurance Information & Research

One of the recommendations to come out of Governor Bentley's Affordable Homeowners Insurance Commission was creation of the Alabama Center for Insurance Information & Research. The Governor signed an executive order establishing the center on Oct. 23, 2013. HHII's own numbers wizard, Earl Janssen, was appointed to the center's board of directors.  The center's director is Dr. Lawrence S. Powell, who has also agreed to be on the Governor and Coastal Legislators' Insurance Work Group.

The center had its first formal meeting May 5, 2015.  Earl is 5th. person seated at the table from the left.

Both Governor Bentley and Dr. Powell addressed the meeting.

Perhaps Earl's presence on the board will be one of the drops of water that he refers to in the following muse:

A flood starts with a drop of water that falls from the sky. This small drop is so small and insignificant to start with that we all laugh at it as just a rain drop. If that rain drop continues to fall we get, maybe a glass full then a bucket and along the way the rivers and streams begin to swell so that nothing can hold them back.

This is much like the idea that we are being treated un fair in our insurance premiums. The legislators and everyone else laughed at us, but a few diehards stuck with this idea of fairness in insurance premiums. Today we stand on the brink of a flood and the rain continues to fall on our head. I think that there is a song about that, but that is another day. As we watch and wait the DOI is building dams to hold the truth back. But folks! the flood is near and we have to be patient and let the water roll over the land and cleanse the land of the un truths and the un wise statements that the DOI has made and continues to make. Let it rain our parade We love it!!.

The Lord cleansed the earth with the great flood, Moses and the Israelites drove thru the red sea and the water cleansed the path behind the Israelites. Water is used through the biblical history as a cleansing agent to all people. The flood is coming DOI.

Posted 5/6/2015

GOVERNOR BRYANT SIGNS MS. CLARITY LAW

From 8/29/2015 article by Anita Lee in SunHerald.com

Bryant says Coast insurance shouldn't rival mortgage costs

The Mississippi Clarity Bill requires insurance companies to report premiums collected and losses paid statewide by ZIP code. The Mississippi Affordable Wind Insurance Coalition, a faith-based group that pushed for the law, believes the numbers will show Coast residents are paying disproportionately high premiums.

Bryant congratulated MAWIC for getting the law passed unanimously.

 Read complete article here

Posted 5/3/2015

Coastal insurance reform continues

April 23-29, 2015 edition of LAGNIAPPE Weekly features an article by Eric Mann about HHII's role in getting Clarity law passed and its current efforts to initiate a working group appointed with the Governor's approval to develop a plan for what HHII calls “fair property insurance premiums, deductibles and availability” in the state.  Make sure you visit the whole article by clicking here.

Posted 4/28/2015

Governor and Coastal Legislators' Insurance Work Group

Pray for the efforts of the Coastal Legislators to get the Governor and Coastal Legislators' Insurance Work Group up and running. We have spent the last three months focused on the injustice that the Department of Insurance (DOI) has allowed to happen to the Coastal Counties.  March 18, in Montgomery, HHII did a power point that showed the obvious discrimination. Then on April 1st the DOI called a meeting with the legislators directly trying to answer to our power point. Rep. Faust and Senator Pittman made it clear that we were not going to step back. We want a work group that will deliver a solution that will significantly bring down our premiums.

Posted 5/3/2015

Alabama ranks 8th in tornado claims in 2014 study

By Megan Miller. Copyright 2015 WIAT 42 News.

According to recent data released by State Farm, Alabama ranks eighth nationally in tornado claims, with more than 4,600 claims across the state in 2014.

Go to original article

Posted 4/30/2015

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

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