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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

Or follow us on Facebook or Twitter

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 Page Governor's and Coastal Legislators' Work Group

Bills backed by Affordable Homeowners Insurance Commission

Coastal Band Solution

Multi-State Wind Pool Reinsurance Presentation to ADOI

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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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 here.

Posted 7/30/2015

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>

Posted 7/29/2015

THE RMS U.S. HURRICANE MODEL VERSION 11

Flip through this RMS powerpoint presentation to learn how they evaluate risk.

Posted 7/29/2015

9 States with the Most Dangerous Weather

7/27/2015 article by Alexander Kent in 24/7 Wall Street

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.

Click here to see 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.

Poste 7/30/2015

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.

Posted 7/25/2015

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.

Posted 7/25/2015

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.


Tuesday, August 4, 2.00 pm
Fairhope Museum of History, 24 North Section Street, Fairhope

View PowerPoint presentation Time to Fix the Coastal Wind Insurance Crisis

Posted 7/9/2015

Gov. Bentley appoints new Coastal Insurance Work Group

Read the original letter

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 here.

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 here.

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.

Posted 6/28/2025

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