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HELP HHII WAKE UP THE MEDIA
The local media, with a few exceptions, have given negligible
coverage to the lack of affordable homeowner's insurance and the
resulting human and economic crisis. It is essential that
they wake up and inform the community about the ongoing activity
activity of the Coastal Insurance Work Group.
You can help by volunteering your service to HHII's media
committee. Learn more
INSURERS HAVE “MASTERED” CATASTROPHIC EVENTS
Extract from 2/17/2012 paper by J. Robert Hunter,
Director of Insurance
Consumer Federation of America
How is it possible that the property-casualty industry’s surplus would sharply increase as
the number and severity of catastrophic weather events also increases? The primary reason is
that the insurers have ―mastered‖ hurricanes by shifting the lion’s share of the risk and costs to
consumers and taxpayers. In other words, property-casualty insurers have paradoxically
emerged as masters of risk avoidance, rather than continuing their historic role of risk taking.
Read complete paper to understand how insurers have shifted risks and costs
associated with weather catastophes to consumers and taxpayersp>
Despite a historically slow start to tornado season in 2015, more than 400 tornadoes were reported in May alone, roughly double the average in recent years. May was also the second most active tornado month since 1950. While some states are more susceptible to violent weather than others, all states could be struck by a natural disaster at any time.
Using data from the National Weather Service (NWS), 24/7 Wall St. reviewed weather-related fatalities from 2010 through 2014. Nationally, 2,950 people died from natural disasters over that time, or fewer than two people per million residents in each of the five years reviewed. In Alabama, 12 people died per one million residents over that time, the most of any state. These are the states with the most dangerous weather.
Tornadoes are some of the most fatal natural disasters. From 2010 through 2014, twisters killed 723 people nationally, or 25% of all weather-related deaths. Oklahoma, the state with the seventh most weather-related fatalities, lies in the heart of Tornado Alley, which runs north from Texas to North Dakota and is the most active tornado region in the world. At least 57 Oklahomans died from tornadoes from 2010 through 2014, 49 of them in 2013 alone.
States outside of Tornado Alley are also susceptible to twisters. Alabama, the state with by far the most weather-related fatalities over the period reviewed, was hit in 2011 with 62 tornadoes in a single day, killing 250 people and causing roughly $3 billion in insured losses. This was the second most costly tornado in U.S. history.
Extreme temperatures — both hot and cold — are another major contributor to weather-related fatalities across the country. Nationally, nearly 600 people died from heat stroke over the five-year period reviewed. Nevada, the majority of which is covered in desert, accounted for a substantial share of heat-related deaths across the country.
Flooding can also cause many fatalities. Flooding particularly impacts northern states such as Wyoming and Montana, where warmer spring temperatures can cause snow to melt faster and overrun riverbanks and levees. Heavy rainfall can also cause floods.
In addition to being deadly, natural disasters are also responsible for billions of dollars in crop and property damage each year. From 2010 through 2014, severe weather resulted in more than $93 billion of damage, the bulk of which was to properties.
In each year from 2010 through 2014, fewer than 600 people died as a result of severe weather. Often, a single, extremely deadly storm can have an outsized effect on a state’s weather-related fatality rate. This was likely the case in Tennessee and Mississippi, which were each hit hard by a single storm over that time, despite having relatively few weather-related deaths during most of the period.
To determine the states with the most dangerous weather, 24/7 Wall St. compiled data from the National Weather Service on total weather-related fatalities for each year from 2010 through 2014. Because many of the numbers are small and susceptible to large fluctuations, our rank is based on the annual average number of weather-related deaths over the five-year period reviewed. Using population figures from the U.S. Census Bureau, we calculated severe weather fatalities per 1 million residents. Also from the National Weather Service we reviewed the total value of damage caused by natural disasters, as well as breakdowns of the kind of weather responsible for the death: extreme temperature, flooding, lightening, tornados, wind, and winter storms.
COASTAL INSURANCE WORK GROUP
New Meeting Dates
The first meeting dates for the Coastal Insurance Work Group have been put off because of the governor's special legislative session. The original dates were early August. Now they're tentatively in late August: August 31 and September 1. They're tentative at the moment because a second session might follow the first.
One Reason why this Work Group is
Different from ones in the Past
There are several reasons why previous Commissions dealing with the coastal insurance crisis failed to do anything meaningful about bringing Mobile-Baldwin premiums down and making the insurance product useful again (normal deductibles like everywhere else). One of the reasons was that the last Commission would meet for a few hours one day, and then not meet again for long periods of time. They went three months or thereabouts on one occasion between meetings.
In contrast, the people on this new Commission or Work Group have been asked to work 6 hours a day, two days a week, weekly. The actual meeting schedule may not be exactly that, but the spirit of the schedule will be kept.
In addition, the overwhelming majority of the Commission wants to fix the crisis.
LEARN HOW YOU CAN IMPACT THE
NEW COASTAL INSURANCE WORK GROUP
Come to a powerpoint presentation on The Governor and Coastal Legislators'
new Coastal Insurance Work Group and learn how you can make the biggest
contribution to ensure its being a success.
Governor Bentley and Coastal Legislators -- led by Senator Trip Pittman and Rep Joe Faust -- have created a new Coastal Insurance Work Group. It's job is to work out ways to obtain justifiable coastal homeowners' insurance premiums.
HHII has been involved in its creation.
The Work Group is unique in comparison to those in the past. It isn't dominated by insurance companies and/or people who don't live in the coastal counties.
This is a significant step.
Read HHII Press Release below and
The Work Group has been selected based on people who have a
strong commitment to finding solutions to the coastal insurance
crisis, extensive time studying the issue, and significant
understanding of the dimensions of pain. Read their
credentials below and
Photo of hhii people meeting with State Representative Joe Faust June 29th
. Posted 7/1/2015
CHANGES TO WEBSITE LAYOUT
In order to make the activities of the Coastal Insurance Work
Group readily accessable, a new tab 'Work Group' has been added
to the ribbon menu. Under this new tab, 'Genesis' details
how the Work Group came to be created, and a new page 'Minutes' will announce Work Group meeting dates and locations and provide links to
all Work Group meeting minutes.
The old HHII Forum has seen no activity in a long time and so
has been discontinued. You can still contact HHII through
the links at left.
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.
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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.
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