All Churches Together - is a faith based, Christ-centered, organization which operates on principles of truth, respect and fairness to all races and classes.



1. Significant reduction in premiums
2. Reliability of Insurance Companies
3. Just payment of claims
4. Sustainable solutions


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If your premiums have become too expensive, your coverage has been dropped, or your claims settlement was unjust, tell us about it here.



We need your help to achieve these goals.

Call EMI at 251-928-3430 and ask for Michelle Kurtz or Dan Hanson


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Governor's and Coastal Legislators' Work Group

Clarity Act data

Clarity Act in other states

Coastal Band Solution

Coastal Wind Insurance Crisis






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Homeowners Premiums Gouge Coastal Alabama Mobile & Baldwin County pay 300% to 600% More!



Gov. Bentley appoints new Coastal Insurance Work Group



Click on link above to find who represents you in State & Federal government



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Tough Call: Forecasting Hurricane Season

Read 9/26/2015 Wall Street Journal article by Jo Craven McGinty

Posted 9/27/2015

Coastal Insurance Work Group Update

 CIWG has been considering geographical territories to be protected by a new "entity" and the moving parts that will make each option sustainable and resilient after a catastrophe. Everything is in the research mode. Discussions have been extremely fruitful and visionary. There has been excellent group think.

sted The Stipulations document was circulated before the meetings began and is being update as CIWG progresses. This document establishes the facts that all members of CIWG have agreed to and will be foundational in crafting a solution.

For more detailed information and links to ratified minutes click on Work Group/Minutes.

Posted 9/27/2015

Do we in Mobile and Baldwin Counties deserve these high wind premiums?

Article by Michelle Kurtz published in Lake Forest's newspaper.

The answer is resoundingly NO.

Homeowners’ Hurricane Insurance Initiative (HHII) has been working since 2006 on this issue because it is crippling our economy, draining our family budgets which were/are already very tight and because this is a justice issue. Coastal Alabama has not seen a hurricane since 2005, so do we deserve to be paying 300 – 600% above the State average of about $1,000?? (upstate does not have separate wind policies with high deductibles) HHII crafted the Clarity Law in 2010, which required all admitted companies to report to the Alabama Department of Insurance (ADOI) their premiums and claims by zip code for homeowners insurance. In 2012 the law passed, thanks to the teamwork of Sen. Pittman and Rep. Faust in the Alabama Legislature.

When the data came on- line Thanksgiving 2013 it clearly showed that the Mobile and Baldwin had less losses. (view the data yourself at https://aldoi.gov/PICAWeb/Account/CompanyInfo.aspx). And now with an additional years on-line, the dollar-claims per policy in Mobile and Baldwin Counties is $585 and the rest of Alabama is $703 dollar-claims per policy for the last 10 years. The ADOI agrees with our claims losses in dollars per policy. Mobile and Baldwin are not the problem in the State, but we our premiums are 300-600% more.

Tenaciously, HHII worked to make this injustice known to the public, to our elected officials and to the Alabama Department of Insurance (ADOI), the arm of our state government that is supposed to protect consumers. Thankfully, with the full support of the Coastal Legislative Delegation, Governor Bentley has created the Coastal Insurance Work Group (CIWG) which will begin this Fall, after the Special Legislative Session. Representatives from the ADOI/ insurance industry, the Governors’ office, the new director of the Alabama Insurance Information and Research Center, elected officials and educated citizens from Mobile and Baldwin Counties populate the Work Group. The CIWG will meet two days a week back to back for six hours a day. Minutes will be posted on the www.hhii.us web site and you can sign up to receive the minutes. Please go to www.hhii.us to read the letter from the Governor and the credentials of the Work Group. Citizens knowing what is being discussed in CIWG is the only reason why this work group will be a success. CIWG will fail, like the other commissions, unless hundreds of citizens are looking in and giving feedback.

In closing, consider these facts:

1. For the last ten years, Mobile and Baldwin Counties have paid out $700 million in premiums above the state average premium of $950 per policy.

2.In 2013 alone Mobile and Baldwin counties paid $338.7 million in premiums but received only $69 million in claims yielding a $277 million difference. A HUGE GOUGE taken out of our family budgets and imagine how that could help the State’s budget!

3.Governor Bentley stated that homeowners’ insurance on the coast “is unfair the way it is done” on 710 AM in Mobile during the Uncle Henry show September 30, 2014.

4. 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,


HHII is a church based, Christ Centered grassroots initiative working to bring down coastal wind premiums. There are seven chapters in Mobile and Baldwin Counties. You can join at www.hhii.us or find us on Facebook at Homeowners Hurricane Insurance Initiative Concerned Citizens Group. We also have partner groups in Louisiana and Mississippi, which have also passed the Clarity Law. If you have any questions, please contact Michelle Kurtz at 251-928-3430.


If you are a praying person, please pray for this Work Group. The Lord has taken HHII so far and to Him be the glory!

Posted 9/5/2015

Tea party gets lesson on insurance rates

Click on this link to watch interview on fox10tv

Each Tuesday afternoon this summer the Fairhope Museum of History offers its visitors a cup of Baldwin County Tea and a taste of Fairhope history. This week’s guest speaker gave folks a lesson on insurance rates along the coast. The Coastal Insurance Work Group aims to equalize homeowners insurance rates state-wide.

Years may go by before you need it, but chances are, if you live along the coast, you’ll eventually have to make an insurance claim. The common perception is that hurricane-prone counties like Mobile and Baldwin are higher risk areas for insurers. Michelle Kurtz with Coastal Insurance Work Group aims to prove that perception wrong to anyone that will listen. She said the rest of the state has reasonable insurance premiums, averaging just less than $1,000, but here on the coast it’s much higher.

 “The big problem with that is that actually our losses are lower. Our coastal losses are lower than the losses inland,” Kurtz said.

Kurtz said premiums in the coastal counties are 300 to 600 percent higher than those inland. Tuesday, August 04, 2015 Kurtz brought her message to a roomful of locals at the Fairhope Museum of History. As one of the founding members of the Homeowners Hurricane Insurance Initiative (HHII), she was instrumental in getting the Clarity Act passed into law in 2012, requiring insurance companies to open up their books. Kurtz says what they revealed an eye opener.

“In 2013, coastal residents paid $338 million in premiums and they received back only $61 million in claims. That means in 2013 we paid an excess of $277 million and that was just in one year folks,” she emphatically told the audience.

State Representative Joe Faust and State Senator, Trip Pittman have been on board from the beginning and got the Bill pushed through the House and Senate. Kurtz said the next big step will be forcing insurance companies to bring their premiums in line.

 “The industry and other non-profits are very adequately pursuing mitigation. Mitigation and public education are not on the table for this work group. What we’re going for is a significant reduction in premiums so that our premiums are equitable and the industry is healthy.” Kurtz explained.

The Coastal Insurance Work Group is hoping to spread the word and gather support through grass-roots efforts like the presentation today. To be a part of those efforts, you can sign up for their newsletters through the Homeowners Hurricane Insurance Initiative.

View PowerPoint presentation Time to Fix the Coastal Wind Insurance Crisis

Posted 8/5/2015

It seems as if no one is paying attention

Another example of insurance company complacency and legislative indifference.

"We live in north Mobile County, in the City of Satsuma. We are a mile from the 1-65 cut off. We have never had a claim for any weather related incident and the ONLY claim we have ever had was to a back yard shed and that was 20 years ago. We are insured through Farmers. When we first switched to Farmers because the premium was the most reasonable at the time it was just over a thousand per year. Each and every year the premium has increased and it now is just below $5,000. Our home is a 1979 ranch home with just over 1800 square feet. We have upgraded electrical, new roof, and new heat and air pump. We have no pool, no trampoline, no vicious dogs and no claims. We have a fire hydrant literally in the corner of our yard and a full time, staffed fire department less than one mile from our home. The police department is also less than a mile from our home. I called about our premium and they could offer something less, but the company was not licensed in Alabama and they explained something else about them - I looked them up and they did not have a great track record so we declined. We do have wind coverage, but we also have an astronomical "named" storm deductible. There was an addendum that changed our writing from hurricane deductible to named storm. I guess this is to make sure we have the higher deductible in the event that a storm is just a tropical storm or depression. Otherwise, our deductible is $1,000. Our home cost us a whopping $30,000 to build back in 1979 and our payments were never as much as our insurance premium is now. I know we would be unable to build back for that price, but over the course of the last ten years, we have paid out more in premiums with absolutely no claims in that period than our house cost us to build. My sister lives in Clarke County and had storm claims after Ivan and Katrina and a tornado and one water damage from a leak - she has had four claims in 10 years to our none. She has a home approximately the same age, size and construction. Her premium is $600 annually - ! ours is $5,000 and we are a mere 45 minutes away. We have attempted to find other coverage, but it seems that most companies limit their area of liability and until a customer either quits paying, chooses another company or for whatever reason no longer obtains their insurance through them, they have no available openings to insure other customers. We have attempted to swap to such companies as State Farm, Alfa, Nationwide, but it seems their Mobile and Baldwin County quotas are filled. If I am going to pay for insurance we prefer a reputable company with a good track record. There is absolutely no reason for our premium to cost as much as it does simply because we are in Mobile County and considered hurricane prone. We are no where near the bay, gulf, river or stream. I have written to Governor Bently, provided a copy of our insurance bill and very kindly received a standard letter back about how they were looking into the matter. I referenced the study concerning the inequities in what was being charged versus what was claimed and the inequities in how they pulled only the data from the years of Ivan and Katrina for Mobile and Baldwin and skipped the years of the tornadoes in Central and North Alabama - nada. It seems as if no one is paying attention. I could self insure myself at this rate."

Posted 8/5/2015


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 of the Coastal Insurance Work Group.

You can help by volunteering your service to HHII's media committee.  Learn more here.

Posted 7/30/2015


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 taxpayers

Posted 7/29/2015

Reinsurance does not raise policy prices

 From Ratemaking Applications of Catastrophe Models, a presentation by Bob Fox, ACAS, MAAA Managing Director, Aon Benfield

• We think that reinsurance purchases increase insurance premiums only because our profit provisions don’t reflect the cat risk that the reinsurance replaced

•  A rate incorporating the net cost of reinsurance and a provision for retained catastrophe risk will always be less than a rate adequate to support cat risk without reinsurance

See complete presentation

 Posted 8/5/2015


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


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