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


LISTEN TO HHII'S THEME SONG


Music by Blind Dog Mike
Read all the lyrics here

Read more about Blind Dog Mike here

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 Trivia Team the Hurricanes wins
Fairhope Sunset Rotary Battle of the Brains

An HHII team of very, very knowledgeable people won the First Annual Battle of the Brains trivia contest hosted by Fairhope Sunset Rotary Club September 27. The win earned $10,000 for Ecumenical Ministries, a long-time, widely respected service agency in Baldwin County. The team was called The Hurricanes.

An anonymous donor volunteered to put up $500 of the entry fee if other individuals would come up with the other $500. AC Leggett, Jerry Bergman, Michelle Kurtz, Dan Hanson and several others pitched in to pay the full amount. p>

The Hurricanes were among 11 teams that sponsored charities. Hargrove Engineers + Constructor and Justification for Higher Education came in a close second and third.

Posted 1/29/2015

ENOUGH IS ENOUGH

The Clarity law was passed in 2012 and on Thanksgiving 2013 the data showing premiums and claims by zip code going back to 2003 came on line. The data clearly showed that the coastal counties have been treated unfairly and that their claims were lower than the rest of the state!! The 2013 numbers have come on line just recently and since there has not been any significant activity in the coastal counties and there has been hail and wind damage up north, the coastal counties, again, have lower claims.

For almost a year now HHII has been doing two things - presenting our rebuttal to the Dept. of Insurance's (DOI) White Paper that asserts that the Clarity Law Data is not reliable. It is disheartening to see our DOI spending so much time and energy on the defensive against the largest most extensive data bank on claims and premiums instead of using their resources to problem solve this injustice. Secondly, a team of speakers has been educating legislators, bankers, relators and all kinds of people on the facts of the data and the solution to our continuing homeowners insurance crisis.

Now it is time to enter into a new phase of the HHII campaign. The name of this phase is: ENOUGH IS ENOUGH!

With the Lord all things are possible - He has brought us this far and He will see us to the finish!

Edited 1/27/2015

MS. HOUSE REPS TO HOLD MEETING ON WIND INSURANCE EFFECTS ON COAST ECONOMY

Mississipi's Affordable Wind Insurance Coalition (MAWIC)
sent out the news release below on 1/19/2015

Mississippi House Representatives Richard Bennett (District 120) and Carolyn Crawford (District 121) will host a meeting of senators and representatives to discuss the effects of high property insurance rates on the Gulf Coast economy on Wednesday, January 21 at 10:30 a.m. or shortly after both houses adjourn for the day in State Capitol building room 402. Senators and representatives serving on the house and senate insurance committees will hear facts and figures from coast business leaders David Dennis—president of Specialty Contractors and Associates, Bob Morrison—retired Hancock Bank Vice President (Mortgage Lending) and Jack Norris—Gulf Coast Business Council President, on how high property insurance premiums are stifling economic development on the Coast.

Because a substantial share of Mississippi’s Tax Revenue is generated in the coastal counties, this is an economic development issue that affects the entire state.

The purpose of the meeting is to encourage law makers to pass an Insurance Clarity Law this legislative session requiring insurance companies to annually report insurance premiums and claims data by zip code. Data from the law will require transparent reporting of insurance data, which is necessary in finding solutions to the high cost of wind insurance. One reason for high property wind insurance rates is due to risk sold to “reinsurance” companies overseas. A substantial portion of wind insurance premium dollars collected from Mississippians are being sent to re-insurers in other states and foreign countries. Accurate, annual data from the law would make it possible for our state to work with other states to solve the problem of high wind insurance premiums in coastal areas.

One prospective solution is the charter for a National Wind Insurance Cooperative within a Coastal Band (75 miles inland from the Coast) offering wind insurance coverage at lower cost and keeping millions of dollars in reinsurance premiums in Mississippi and the United States. Members of the Mississippi Affordable Wind Insurance Coalition, a group of citizens from the coastal counties, are advocating the Clarity Law and working with organizations in other states to address the problem. Alabama and Louisiana passed similar legislation in recent years.

Posted 1/20/2015

NORTH CAROLINA INSURANCE COMMISSIONER DENIES RATE INCREASE

North Carolina Insurance Commissioner Wayne Goodwin has ordered a zero-percent statewide overall average change in homeowners insurance rates, effective June 1, 2015. The decision comes after Goodwin held a hearing to examine the insurance companies' request to raise overall average rates by 25.6 percent.  Read the full story here.

GCECC participant Willo Kelly and her team were a part of this which shows what can be accomplished by grass roots efforts.  Now North Carolina is pursuing a Clarity Law!

Posted 12/26/2014

2013 CLARITY LAW DATA IS IN

2013 Clarity Law numbers are in on DOI site.  HHII was able to analyse some numbers and found:

Baldwin County
Homeowner Premiums Paid $89.5 Million
Claims received $ 9.3 Million

Mobile County
Homeowner Premiums Paid $146.5 Million
Claims received $ 35.2 Million

Looks excessive without question and 2014 overcharges will probably be about the same!

Hurricane Homeowners Insurance Initiative continues to fight for fair rates that will certainly improve Alabama's Coastal economy and save every homeowner, renter, business and church about half of their current premium and reduce insanely high deductibles.

Revised 1/20/2015

Gov Bentley says 'IT IS UNFAIR the way it's done'

Extracts from Gov. Bentley's response to Charles Kettel's question on the Uncle Henry call-in show asking what he intended to do to correct the discriminatory coastal homeowners' insurance rates.

(Bentley) .  .  .  This is a major problem for this part of the state and we have worked on that and we have tried to do some things – the Clarity Act was obviously a part of that; we still work on that on a regular basis. I have two houses down here myself and I have one on the beach and I really aught to pay more right there on the beach than people inland but, you know, it is a real problem and it really is a complicated issue and I know that.  .  .  Listen, I probably have been working on this with a number of people for a number of years, and we have so many people down here who have worked so hard on it that I put together a commission to look into it and we still didn't get the answers that I would like to hear.

(Kettel) .  .  .  it is because of my experience, extremely negative experiences with my insurance company. After 37 years of no claims I was canceled, OK? And it's just, no claims and canceled arbitrarily and then being quoted insane rates, ya know that the state average is below $1000, and ya know, I can't even buy it, ya know, if I get a quote they won't sell it to me.

(Henry) We're up on a break. Charles we are going to have to run, but Governor, where do we go from here?

(Bentley) Well we need to continue, well, first of all we need to work with the coastal states and to see if there is some way that we can do somethings as far as coastal states are concerned.
And I wanted also to continue to fortify houses and we do have laws on the books that help you get as much as 35% off of your homeowners' insurance if you fortify your house. We wanted to use some of the BP money to do that, to do some mitigation grants to people so that they can do that. Maybe index it for people's income, you know, for this sort of thing.
But this, I believe is going to be a national coastal type, maybe a compact between some of the states to work on this issue. It is a very complicated issue, but I don't want the people down here to think that we don't think about this on a regular basis and we work on this on a regular basis trying to come up with a solution. IT IS UNFAIR the way its done.

Listen to full clip here (go to time 18.30)

Revised 10/22/2014

COASTAL LEGISLATORS REACT TO
CLARITY LAW DATA

Homeowners Insurance Equity Resolution

Below are links to a sample resolution asking for support of the plan for fairness in premiums. The resolution can be tailored to suit as needed. Please distribute this as far and wide as you see fit and keep AC Leggett  informed of your contacts.

    

Posted 10/13/2014

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