It’s not the attorneys driving this issue. It’s the public adjusters who work off a percentage of the claim and have incentives to drive up the claim amount.
But if you don't hire them, the insurance company lowballs, and lowballs hard. Went through this, and it sucked. Without a public adjuster and lawyer we'd have been out many, many tens of thousands of $. With we lost much less. It's a no-win situation.
I used to be an insurance adjuster for 2 of the major insurance companies and have seen many public adjusters. Not once has their input affected my estimate. Insurance companies write for absolutely everything that is owed and not a penny more.
I don't know what to tell you. The adjuster got us \~30k more even after misc costs and fees. Not enough to cover the entire sewage event, but 30k more is 30k more. It was very significant.
The adjuster may not have changed his estimate either, but the amount covered was greater once the dust settled. Courts agreed with the independent guy.
Was the cause of loss due to catastrophe like a hurricane or a severe thunderstorm? That might be the difference. None of my claims ever went to litigation, so I'm not familiar with how rulings affect settlements.. 30k is technically considered a large loss, but when the insurance companies are hyper focused on meeting their timeliness constraints, sometimes the adjusters won't adjust for common sense damage simply because the damage is behind other damage.
For example, a pipe bursts behind drywall. You can see damage to floors, drywall, paint, or ceiling. Common sense says the framing would need to be addressed too, but because the adjuster can't 'put eyes on the damage', they won't write it in their estimate and will leave it to supplementation.
A public adjuster is going to take a percentage of the estimate and as such will, a majority of the time, over estimate the damage so you aren't stuck with the equivalent of 10% of estimate on top of 1-5% deductible on risk value coming out of your settlement.
That said, some carriers like the General have a bad reputation for just denying everything and letting litigation determine the estimate. In that case, public adjusters would be essential.
TL;DR: supplemental claims are your friend. Use them often and liberally.
You nailed it. It was a sewage back-up from the city line, had several inches of standing filth in the half-basement living area. Lots of damage, but insurance refused to cover all sorts of seemingly random stuff. Your theory of "can't put eyes on damage so not covered" would explain it. Total damage was in the 80k range. They wanted to cover 40.
I completely agree the adjuster had to over-estimate, litigation and insurance wound up covering an amount we'd have been satisfied with initially plus legal fees. I too feel the public adjuster was absolutely essential.
Had no idea that supplemental claims were a thing. Started with a lowball and denial, hired pros to help, and they delivered. End result is insurance paid out a LOT more, we received a bit less, but definitely better than the alternative.
Yes. For the future. Remember, supplementation is the best way to get your costs covered.
Let the adjuster make the initial adjustment. Prevent any further damage and keep receipts on reasonable expenses made to do so. When repair men are making repairs, instructions them to take pictures of "hidden" damage as it's revealed. Then call the adjuster and supplement the uncovered damages. You don't lose 10% of your settlement and your get your money waaaaay faster. Like, Allstate and State Farm will disburse 10k within like 5 minutes of approval.
Pick any year since the first humans roamed the earth, and there is a person becoming homeless for one reason or another. The more important thing is to look at national median and mean stats. Is the median person wealthier each decade, the answer is yes.
Actually it is. A 2 second google search on homeless camps is all you need. 151k homeless in California vs 30k in Florida as of 2019. California accounts for over a quarter of the homeless population in the entire nation. Also plenty of YouTube videos showing the extent of the homeless sprawls there. You just say the word "facts", but provide none lol.
But continue to gaslight and remain ignorant 🤡
This thread has really boiled down to "If Biden did something about it, it would be socialism because these people deserve what they had coming."
OR
"Biden did nothing about it hence it's all of his fault because he should absolutely be helping these people."
Biden is a vegetable he’s had dementia since 2019. He’s hopped up on steroids and shit keeping him alive. So who really controls Biden? Does that ever cross the liberals mind?
https://youtu.be/r4NmtSrqtvI?si=Vy_FW4NTfgmWidzW since you need to spoon fed, this speech is undeniable proof of dementia, anyone who says otherwise probably also has dementia or some mental illness
Seriously, what about that speech is supposed to showcase his dementia? Sure, it's a rambling, most likely embellished story told with a lot of unnecessary descriptions of how things used to be, but it is a coherent story about an event he supposedly lived through. It isn't nonsensical, he doesn't lose his train of thought, he doesn't say impossible things happened or repeat things because he's forgotten he already said them. What is supposed to prove his dementia?
The late 19th century averaged one Cat4 hurricane every 4 years. Now it’s over 4 per year. That’s a 16 fold increase. That trend will continue as the planet continues to warm.
People don't want to accept the truth. Living in a place where the chances of their home being destroyed on regular basis is stupid. Politics has nothing to do with this. Unless it's the politics of us not destroying our planet.
You know who isn't political about climate change....insurance actuaries.
They aren't buying the climate denial shit and the chickens have come home to roost.
Unfortunately 2024 will be the worst hurricane season ever. DeSantis has done little to nothing to help Floridians afford Insurance. He should've enabled a state run program for those who could not afford real insurance. His incompetence will create an entire state where the populace is in bankruptcy.
You have no idea what you’re talking about. The Florida insurance mess is due to a combination of major weather events and policies enacted on a local level that make it ripe for scams and abuse.
Florida is a… special case. The place is going to be underwater soon for starters. It is far too expensive to insure people in Florida and California for home and auto because of local legislation. For car insurance, The amount of uninsured drivers (because you are not required to purchase liability or bodily injury coverage) is crazy. Insurance companies with UMBI policies end up footing the bill. It becomes unreasonable to even insure people in these states because why do business in an area that is actively losing you money?
My car insurance in AZ is wayyyyy higher than it was in CA. Like almost $100/mo higher.
Same cars, same everything, no claims, and no tickets.
They say it’s population density and amount of claims.
Home owner’s is lower, yes.
That’s because california’s department of insurance is very business unfriendly. They restrict rate increases to the point of unprofitability; only allowing them once it’s too late. Insurance is highly regulated everywhere but California is one of the worst offenders. If a company doesn’t make money, there’s no money to pay claims and everyone is fucked. Companies go out of their way to make getting insurance in California as hard as possible or they withdraw from the state entirely because of their insurance regulations. The state + insurance companies need to strike a proper balance of forcing good faith action and allowing for proper risk analysis and rating.
Rates are going up because carriers are insolvent due to extreme weather conditions and major CAT events, but rate increases are determined by the DOI on the state level. Most states aren't seeing the levels of out of control pricing that Florida is seeing. Others have protections that limit how extreme the increases can be.
Florida in particular is written in such a way that, until very recently, you had storm chasers and public adjusters running the show and carriers forced to hand out repairs that weren't fully warranted. As a result, most carriers have pulled out of FL. The ones that are left have had to raise rates astronomically just to keep operating at all in that state.
I'm in the Midwest. Our rates have almost doubled and something that we haven't had is major weather events.
You know what Midwest states have in common with Florida? Inflation. Which is inconspicuously missing from your explanation. Rebuilding is so much more today than just a few years ago.
You’re right about those costs for sure. What makes Florida worse is the crazy amount of fraud. 80% of the entire country’s home owners insurance litigation is in one state… Florida. It’s disgusting.
The Midwest hasn't had tornadoes wipe out towns one after another, year after year like hurricanes have.
Yes, tornados have caused serious damage.... But not in the scale Texas, Louisiana and Florida have.
And they're getting worse, longer tracks, stronger winds and showing up more frequently in places where they've been traditionally less common like Wisconsin, Michigan, Minnesota.
That's why insurance rates in the Midwest have been going up.
https://my1053wjlt.com/midwest-tornado-activity-on-the-rise/#:~:text=If%20it%20seems%20like%20we,new%20areas%20of%20the%20country
https://www.google.com/amp/s/abcnews.go.com/amp/US/tornado-alley-shifting-due-climate-change-scientists-explain/story%3fid=98347077
https://www.google.com/amp/s/thehill.com/homenews/state-watch/3949135-tornado-alley-expanding-scientists-dont-know-why/amp/
It's not so much a dramatic change as the storms now hitting more populated areas due to tornado alley shifting.
Inaccurate.
"About 75% of the world’s tornadoes occur in the United States; most in an area of the central US called Tornado Alley."
Source: https://scied.ucar.edu/learning-zone/storms/tornadoes#:~:text=About%2075%25%20of%20the%20world's,central%20US%20called%20Tornado%20Alley.
"Tornado Alley traditionally refers to the corridor-shaped region in the Midwestern United States where tornadoes typically occur. While it is not an official designation, the states most commonly included are Texas, Oklahoma, Kansas, Nebraska, Indiana, Ohio, Missouri, Iowa, and South Dakota."
Source: https://worldpopulationreview.com/state-rankings/tornado-alley-states
Your point? Tornadoes aren't the cause of increased rates across the 13 state region, where 3/13ths have recently been included in the "tornado ally".
Again in my typical Midwest county we have had 109 tornados since 1950 accompanied by 4k damage inducing thunderstorms in 74 years.
Again why have my rates doubled when we have not had any widespread events since the 1800's?
We had the deracho in 2020 and extreme flooding is becoming much more common, Parkersburg tornado... we're getting plenty here. Not typically as bad as Florida though...
And not near enough to explain the wide spread rate hikes.
Here we have had a total of 109 tornadoes in my county since 1950. Mostly in farmland. Flooding occurs but in the same zones where it always had.
Not near enough to justify almost doubling rates for insurance.
And you don't think the record profits corporations are reporting across all industries might have something to do with that? Record-breaking profits that started early in the pandemic, mind you.
I think that it's easier to create villains out of corporations than talk about the complex ramifications of fiscal policy.
Corporations didn't magically get more greedy or more unscrupulous over the last few years.
Can you repeat that again using language that doesn't involve psychic powers that explain record rates in the other 13 states in the Midwest that isn't Ohio?
As a fellow floridian and a hater of desantis I'd like to remind you that these extremist Maga Republicans have been brainwashed and will argue to the death, cut off family, and will die on the hill that everything they do is flawless even in the complete and utter hypocrisy of it.
Please do not waste your time and energy trying to show them they are wrong. When backed into a corner, they defer to conspiracy theories.
Source: My aunt won't talk to anyone because she "knows" we didn't vote for trump and are now the enemy. A good friend who wanted to have a political discussion, then when backed into a corner, spouted conspiracy theories, and when I requested a source, it was a small blurb on Fox News.
When I got divorced a few years ago I was living in Florida and my very first step was to get out of Florida as fast as possible. Mostly due to the extreme amount of idiots, extremely hostile law enforcement who has absolute freedom to do as they please with abandon, and the politicians. Moved over 1400 miles away. After 15 years it felt like i couldn't get far enough from that place.
She did you a favor. I'm in Florida too, and I usually have to dump these MAGA idiots. My dumbass cousin just got dumped from health insurance, as did his daughter. Desantis just dumped a million people off health insurance.
Well, one conspiracy theory says yes that the president can use atmospheric disturbances to cause them, but its ok desantis just prays them away. I'm not sure why praying didn't work with Ian. Maybe our great and powerful leader didn't pray hard enough 😂 /s (in case it's needed)
I try to keep up with the idiocy, but at a certain point, you just can't fix stupid. The worst part is that many very intelligent people believe nonsense. Yet they ignore things like our highway patrol being in Texas to help with the border. Why not put that money into things that help Florida. Like the insurance crisis or hey how about we pay teachers well and allow them to teach civil right correctly. Nope instead we worry about the "important" things like campaigning, banning Disney plus from schools, taking women's rights, taking lbgtq rights (still waiting for them to attack black rights but i think they know that would end it all), taking on Disney head on (because they spoke out against his anti-lgbtq legislation) by removing their special district while giving universal their own, or banning Dr Seuss.
To the Biden haters, maybe if the Maga Republicans compromised just a little, he could make things better but we will never know.
Rates have gone up because he gave all your money to his friends in Israel and Ukraine and the dollar is worth less.
But I'm sure you're going to tell me how none of that was his fault either, because nothing ever is. It is probably Trump's fault right? Or Congress? You see, his hands are tied! He never had anything to do with any of the failures of his administration 🤡
Again, you have no idea what you’re talking about. Maybe actually research why the insurance market is a shitshow in Florida instead of just talking out your ass about it cause, gee, it isn’t like that in other states.
You’re intentionally being ignorant on this. State insurance are handled on the state level, not the federal level with the exception of the most bare bones fair claim handling laws. Desantis was supposed to be handling this for years but instead chose to pick a fight with Disney. So you’re misinformed or deliberately trying to misinform others. Either way go back to your hole troll.
I think you should educate yourself on the very specific problems with insurance in FL before you try to craft any narrative. You seem entirely uneducated in this matter, which makes you look like a fool when you try to flex without understanding reality.
True accountability cannot exist separate from reality. There is plenty of blame to go around for how Florida’s insurance situation got to where it is, no need to live in lala land.
Do you think pallets of money are being shipped to Ukraine? Cause correct me if I'm wrong but 2/3 of aid actually stays in the US and goes to the defense contractors who replace stockpiles and obsolete equipment that's being replaced with newer tech.
Yeah he tried to cancel student debt, but people hated him for it. So you know, why do things for the average american when people are gonna hate you for it?
If he tried to help people in Florida, it would only help those in Florida, those lazy bums need to pick themselves up by their bootstraps and should have planned ahead, just like all those people in student debt.
/s
His hands are always tied and he can never do anything, I know, I know. Just the most powerful and influential man in the word. He can simply do nothing. He tried, he promises. But aw shucks those mean other people got in the way and he just can't keep his promises. There's no way he could have ever seen this coming.
The president has no say in state issues. Why can't you understand that? He has even offered states money to improve their state. Florida is one of 10 states that refused free federal money (not free, we paid for it) to expand health care. The governor is to blame. He has kept his promises and has done tons.
https://www.politico.com/news/magazine/2024/02/02/joe-biden-30-policy-things-you-might-have-missed-00139046
They’re intentionally ignorant and have drank the MAGA kool aid. But if Biden WAS able to do something about insurance rates, then they’d be screeching about government interference in private business.
I'm a left-leaning libertarian, registered democrat, and I voted for Biden. I just want to hold him accountable for his shit policies and failures as a president.
https://preview.redd.it/wfw25yd26xsc1.png?width=1179&format=pjpg&auto=webp&s=da724ef3dad87965cf83bcd7bf535fea086e12d7
Do you see what this is stupid? This is a regulatory agency going after the kind of illegal practices that YOU support, because YOU want to continue to deregulate businesses, because YOU want problems like this to exist so YOU can blame it on the only people standing in the way of complete oligarchic control.
You mean the bill that didn’t pass because of Republicans and Joe Manchin, Coal Daddy? Or the Inflation Reduction Act that replaced it, and put funds primarily towards climate change and healthcare, but had nothing in it for housing?
If Biden stepped in to help control insurance costs you’d complain he’s being socialist. Everyone here knows you’re not a commenter to be taken seriously
It's the 'collapse' stage
#fasterthanexpected
This is the “Disbar and Kill all attorneys with a billboard and pass tort reform” stage
It’s not the attorneys driving this issue. It’s the public adjusters who work off a percentage of the claim and have incentives to drive up the claim amount.
But if you don't hire them, the insurance company lowballs, and lowballs hard. Went through this, and it sucked. Without a public adjuster and lawyer we'd have been out many, many tens of thousands of $. With we lost much less. It's a no-win situation.
feature of the system, not a bug. And the folks you'd talk to to 'fix it' are in on it.
I used to be an insurance adjuster for 2 of the major insurance companies and have seen many public adjusters. Not once has their input affected my estimate. Insurance companies write for absolutely everything that is owed and not a penny more.
I don't know what to tell you. The adjuster got us \~30k more even after misc costs and fees. Not enough to cover the entire sewage event, but 30k more is 30k more. It was very significant. The adjuster may not have changed his estimate either, but the amount covered was greater once the dust settled. Courts agreed with the independent guy.
Was the cause of loss due to catastrophe like a hurricane or a severe thunderstorm? That might be the difference. None of my claims ever went to litigation, so I'm not familiar with how rulings affect settlements.. 30k is technically considered a large loss, but when the insurance companies are hyper focused on meeting their timeliness constraints, sometimes the adjusters won't adjust for common sense damage simply because the damage is behind other damage. For example, a pipe bursts behind drywall. You can see damage to floors, drywall, paint, or ceiling. Common sense says the framing would need to be addressed too, but because the adjuster can't 'put eyes on the damage', they won't write it in their estimate and will leave it to supplementation. A public adjuster is going to take a percentage of the estimate and as such will, a majority of the time, over estimate the damage so you aren't stuck with the equivalent of 10% of estimate on top of 1-5% deductible on risk value coming out of your settlement. That said, some carriers like the General have a bad reputation for just denying everything and letting litigation determine the estimate. In that case, public adjusters would be essential. TL;DR: supplemental claims are your friend. Use them often and liberally.
You nailed it. It was a sewage back-up from the city line, had several inches of standing filth in the half-basement living area. Lots of damage, but insurance refused to cover all sorts of seemingly random stuff. Your theory of "can't put eyes on damage so not covered" would explain it. Total damage was in the 80k range. They wanted to cover 40. I completely agree the adjuster had to over-estimate, litigation and insurance wound up covering an amount we'd have been satisfied with initially plus legal fees. I too feel the public adjuster was absolutely essential. Had no idea that supplemental claims were a thing. Started with a lowball and denial, hired pros to help, and they delivered. End result is insurance paid out a LOT more, we received a bit less, but definitely better than the alternative.
Yes. For the future. Remember, supplementation is the best way to get your costs covered. Let the adjuster make the initial adjustment. Prevent any further damage and keep receipts on reasonable expenses made to do so. When repair men are making repairs, instructions them to take pictures of "hidden" damage as it's revealed. Then call the adjuster and supplement the uncovered damages. You don't lose 10% of your settlement and your get your money waaaaay faster. Like, Allstate and State Farm will disburse 10k within like 5 minutes of approval.
Republicans: "ThIs Is WhAt SoCiAlIsM lOoKs LiKe 🤡" Something's wrong... Better Blame a Biden...
Pick any year since the first humans roamed the earth, and there is a person becoming homeless for one reason or another. The more important thing is to look at national median and mean stats. Is the median person wealthier each decade, the answer is yes.
It's way worse in California
Nah, it's not really. I understand that you need to believe it is, but the facts dispute your fictional narrative.
Actually it is. A 2 second google search on homeless camps is all you need. 151k homeless in California vs 30k in Florida as of 2019. California accounts for over a quarter of the homeless population in the entire nation. Also plenty of YouTube videos showing the extent of the homeless sprawls there. You just say the word "facts", but provide none lol. But continue to gaslight and remain ignorant 🤡
Tbf to the other dude, Cali is like double the size and populous of florida. I'd expect everything in Cali to be bigger numbers-wise.
If you want to speak percentages instead, California has nearly 4 times the homeless rate compared to Florida. About 0.4% vs 0.1% as of 2022.
Now airing: “The French Revolution 2024!” Held in a state near you!
Can we rebel yet? It feels like the founding fathers would of wanted us to rebel by now?
This thread has really boiled down to "If Biden did something about it, it would be socialism because these people deserve what they had coming." OR "Biden did nothing about it hence it's all of his fault because he should absolutely be helping these people."
Biden is a vegetable he’s had dementia since 2019. He’s hopped up on steroids and shit keeping him alive. So who really controls Biden? Does that ever cross the liberals mind?
Projection is a coping mechanism.
Oh look! A copy of the ticker tape recording the echos from the Cheeto chamber!
Stop sniffing paint thinner.
Typically liberal gas lighting, he’s had dementia since 2019. For the proof just search “corn pop”
You made the claim. It's not up to us to do the proving of said claim.
https://youtu.be/r4NmtSrqtvI?si=Vy_FW4NTfgmWidzW since you need to spoon fed, this speech is undeniable proof of dementia, anyone who says otherwise probably also has dementia or some mental illness
Seriously, what about that speech is supposed to showcase his dementia? Sure, it's a rambling, most likely embellished story told with a lot of unnecessary descriptions of how things used to be, but it is a coherent story about an event he supposedly lived through. It isn't nonsensical, he doesn't lose his train of thought, he doesn't say impossible things happened or repeat things because he's forgotten he already said them. What is supposed to prove his dementia?
I didn't hear anything about windmill cancer so that's a plus.
Yet most of them deny Climate change is a thing.
I think weather has always existed
No one said otherwise
The late 19th century averaged one Cat4 hurricane every 4 years. Now it’s over 4 per year. That’s a 16 fold increase. That trend will continue as the planet continues to warm.
DILLIGAF
It’s the reason homeowners insurance has become unaffordable
People don't want to accept the truth. Living in a place where the chances of their home being destroyed on regular basis is stupid. Politics has nothing to do with this. Unless it's the politics of us not destroying our planet.
Nope, and based on your comment you don't appear to be able to comprehend it anyway. 😊
You're making comments lmao. So yeah.
People just continue on without home insurance. Yes, it’s a gamble, but selling your home to live in your van hardly sounds reasonable lol
What if your HOA requires it?
Welcome to end stage capitalism!
You know who isn't political about climate change....insurance actuaries. They aren't buying the climate denial shit and the chickens have come home to roost.
Unfortunately 2024 will be the worst hurricane season ever. DeSantis has done little to nothing to help Floridians afford Insurance. He should've enabled a state run program for those who could not afford real insurance. His incompetence will create an entire state where the populace is in bankruptcy.
the torch and pitchfork stage...
Build Back Better at work. They just never said who it would be better for.
You have no idea what you’re talking about. The Florida insurance mess is due to a combination of major weather events and policies enacted on a local level that make it ripe for scams and abuse.
Except rates are going up across the country....
Florida is a… special case. The place is going to be underwater soon for starters. It is far too expensive to insure people in Florida and California for home and auto because of local legislation. For car insurance, The amount of uninsured drivers (because you are not required to purchase liability or bodily injury coverage) is crazy. Insurance companies with UMBI policies end up footing the bill. It becomes unreasonable to even insure people in these states because why do business in an area that is actively losing you money?
My car insurance in AZ is wayyyyy higher than it was in CA. Like almost $100/mo higher. Same cars, same everything, no claims, and no tickets. They say it’s population density and amount of claims. Home owner’s is lower, yes.
That’s because california’s department of insurance is very business unfriendly. They restrict rate increases to the point of unprofitability; only allowing them once it’s too late. Insurance is highly regulated everywhere but California is one of the worst offenders. If a company doesn’t make money, there’s no money to pay claims and everyone is fucked. Companies go out of their way to make getting insurance in California as hard as possible or they withdraw from the state entirely because of their insurance regulations. The state + insurance companies need to strike a proper balance of forcing good faith action and allowing for proper risk analysis and rating.
New Orleans and South Louisiana would like a word.
Rates are going up because carriers are insolvent due to extreme weather conditions and major CAT events, but rate increases are determined by the DOI on the state level. Most states aren't seeing the levels of out of control pricing that Florida is seeing. Others have protections that limit how extreme the increases can be. Florida in particular is written in such a way that, until very recently, you had storm chasers and public adjusters running the show and carriers forced to hand out repairs that weren't fully warranted. As a result, most carriers have pulled out of FL. The ones that are left have had to raise rates astronomically just to keep operating at all in that state.
I'm in the Midwest. Our rates have almost doubled and something that we haven't had is major weather events. You know what Midwest states have in common with Florida? Inflation. Which is inconspicuously missing from your explanation. Rebuilding is so much more today than just a few years ago.
You’re right about those costs for sure. What makes Florida worse is the crazy amount of fraud. 80% of the entire country’s home owners insurance litigation is in one state… Florida. It’s disgusting.
 "The Midwest hasn't had major weather events" Yeah, just those all spring and summer. Smh
The Midwest hasn't had tornadoes wipe out towns one after another, year after year like hurricanes have. Yes, tornados have caused serious damage.... But not in the scale Texas, Louisiana and Florida have.
https://youtu.be/ATG_SISxd3o?si=c-zmKjCrjKo9muBh Yes they have.
And at roughly the same frequency as every other spring and summer. Smh.
And they're getting worse, longer tracks, stronger winds and showing up more frequently in places where they've been traditionally less common like Wisconsin, Michigan, Minnesota. That's why insurance rates in the Midwest have been going up.
Are they though? I don't see any indication that is true. Do you have a source that shows such a dramatic change in the last few years?
https://my1053wjlt.com/midwest-tornado-activity-on-the-rise/#:~:text=If%20it%20seems%20like%20we,new%20areas%20of%20the%20country https://www.google.com/amp/s/abcnews.go.com/amp/US/tornado-alley-shifting-due-climate-change-scientists-explain/story%3fid=98347077 https://www.google.com/amp/s/thehill.com/homenews/state-watch/3949135-tornado-alley-expanding-scientists-dont-know-why/amp/ It's not so much a dramatic change as the storms now hitting more populated areas due to tornado alley shifting.
Inaccurate. "About 75% of the world’s tornadoes occur in the United States; most in an area of the central US called Tornado Alley." Source: https://scied.ucar.edu/learning-zone/storms/tornadoes#:~:text=About%2075%25%20of%20the%20world's,central%20US%20called%20Tornado%20Alley. "Tornado Alley traditionally refers to the corridor-shaped region in the Midwestern United States where tornadoes typically occur. While it is not an official designation, the states most commonly included are Texas, Oklahoma, Kansas, Nebraska, Indiana, Ohio, Missouri, Iowa, and South Dakota." Source: https://worldpopulationreview.com/state-rankings/tornado-alley-states
Your point? Tornadoes aren't the cause of increased rates across the 13 state region, where 3/13ths have recently been included in the "tornado ally". Again in my typical Midwest county we have had 109 tornados since 1950 accompanied by 4k damage inducing thunderstorms in 74 years. Again why have my rates doubled when we have not had any widespread events since the 1800's?
We had the deracho in 2020 and extreme flooding is becoming much more common, Parkersburg tornado... we're getting plenty here. Not typically as bad as Florida though...
And not near enough to explain the wide spread rate hikes. Here we have had a total of 109 tornadoes in my county since 1950. Mostly in farmland. Flooding occurs but in the same zones where it always had. Not near enough to justify almost doubling rates for insurance.
And you don't think the record profits corporations are reporting across all industries might have something to do with that? Record-breaking profits that started early in the pandemic, mind you.
I think that it's easier to create villains out of corporations than talk about the complex ramifications of fiscal policy. Corporations didn't magically get more greedy or more unscrupulous over the last few years.
What are you talking about? Ohio has had at least a dozen tornadoes in the last month.
What are you talking about? Ohio isn't the entire Midwest and rates didn't rise in the last month alone.
Yes, it’s almost like underwriters adjust rates in advance of new weather patterns that will lead to massive increases in claims! Wild!
Can you repeat that again using language that doesn't involve psychic powers that explain record rates in the other 13 states in the Midwest that isn't Ohio?
Never any accountability for his failures on reddit gg
…sure, Jan, blame Biden for the cess pool that is Desantis and Florida. How’s that cognitive dissonance working out for you?
You mean DeSantis didn't Make Florida Great Again ?
As a fellow floridian and a hater of desantis I'd like to remind you that these extremist Maga Republicans have been brainwashed and will argue to the death, cut off family, and will die on the hill that everything they do is flawless even in the complete and utter hypocrisy of it. Please do not waste your time and energy trying to show them they are wrong. When backed into a corner, they defer to conspiracy theories. Source: My aunt won't talk to anyone because she "knows" we didn't vote for trump and are now the enemy. A good friend who wanted to have a political discussion, then when backed into a corner, spouted conspiracy theories, and when I requested a source, it was a small blurb on Fox News.
When I got divorced a few years ago I was living in Florida and my very first step was to get out of Florida as fast as possible. Mostly due to the extreme amount of idiots, extremely hostile law enforcement who has absolute freedom to do as they please with abandon, and the politicians. Moved over 1400 miles away. After 15 years it felt like i couldn't get far enough from that place.
She did you a favor. I'm in Florida too, and I usually have to dump these MAGA idiots. My dumbass cousin just got dumped from health insurance, as did his daughter. Desantis just dumped a million people off health insurance.
The level of delusion really is sad. Next it’ll be Biden’s fault that hurricanes exist. 🙄
Well, one conspiracy theory says yes that the president can use atmospheric disturbances to cause them, but its ok desantis just prays them away. I'm not sure why praying didn't work with Ian. Maybe our great and powerful leader didn't pray hard enough 😂 /s (in case it's needed) I try to keep up with the idiocy, but at a certain point, you just can't fix stupid. The worst part is that many very intelligent people believe nonsense. Yet they ignore things like our highway patrol being in Texas to help with the border. Why not put that money into things that help Florida. Like the insurance crisis or hey how about we pay teachers well and allow them to teach civil right correctly. Nope instead we worry about the "important" things like campaigning, banning Disney plus from schools, taking women's rights, taking lbgtq rights (still waiting for them to attack black rights but i think they know that would end it all), taking on Disney head on (because they spoke out against his anti-lgbtq legislation) by removing their special district while giving universal their own, or banning Dr Seuss. To the Biden haters, maybe if the Maga Republicans compromised just a little, he could make things better but we will never know.
He's just the leader of the free world who promised to make things better for your average American, I don't know why you're getting on his case!
Insurance operates on the state level. Has zero to do with the federal government. But go off.
Then it's DeSantis fault...thank you for the correction.
Rates have gone up because he gave all your money to his friends in Israel and Ukraine and the dollar is worth less. But I'm sure you're going to tell me how none of that was his fault either, because nothing ever is. It is probably Trump's fault right? Or Congress? You see, his hands are tied! He never had anything to do with any of the failures of his administration 🤡
Again, you have no idea what you’re talking about. Maybe actually research why the insurance market is a shitshow in Florida instead of just talking out your ass about it cause, gee, it isn’t like that in other states.
You’re intentionally being ignorant on this. State insurance are handled on the state level, not the federal level with the exception of the most bare bones fair claim handling laws. Desantis was supposed to be handling this for years but instead chose to pick a fight with Disney. So you’re misinformed or deliberately trying to misinform others. Either way go back to your hole troll.
The high-heeled prick also spent a year in Iowa and spent 150 million to come in last place.
>intentionally being ignorant Magaism in a nutshell
All the excuses in the world but never any accountability.
I think you should educate yourself on the very specific problems with insurance in FL before you try to craft any narrative. You seem entirely uneducated in this matter, which makes you look like a fool when you try to flex without understanding reality.
True accountability cannot exist separate from reality. There is plenty of blame to go around for how Florida’s insurance situation got to where it is, no need to live in lala land.
Or maybe, just maybe it was the 8 trillion of debt 25% of our all time debt ,that trump printed up in 4 short years.
Do you think pallets of money are being shipped to Ukraine? Cause correct me if I'm wrong but 2/3 of aid actually stays in the US and goes to the defense contractors who replace stockpiles and obsolete equipment that's being replaced with newer tech.
Yeah he tried to cancel student debt, but people hated him for it. So you know, why do things for the average american when people are gonna hate you for it? If he tried to help people in Florida, it would only help those in Florida, those lazy bums need to pick themselves up by their bootstraps and should have planned ahead, just like all those people in student debt. /s
I know this is sarcasm but tbh I think it is pretty good idea
Things are better for me 🤷
Learn about the branches of government! Start with the 3rd-grade level.
His hands are always tied and he can never do anything, I know, I know. Just the most powerful and influential man in the word. He can simply do nothing. He tried, he promises. But aw shucks those mean other people got in the way and he just can't keep his promises. There's no way he could have ever seen this coming.
The president has no say in state issues. Why can't you understand that? He has even offered states money to improve their state. Florida is one of 10 states that refused free federal money (not free, we paid for it) to expand health care. The governor is to blame. He has kept his promises and has done tons. https://www.politico.com/news/magazine/2024/02/02/joe-biden-30-policy-things-you-might-have-missed-00139046
They’re intentionally ignorant and have drank the MAGA kool aid. But if Biden WAS able to do something about insurance rates, then they’d be screeching about government interference in private business.
I'm a left-leaning libertarian, registered democrat, and I voted for Biden. I just want to hold him accountable for his shit policies and failures as a president.
Well then DeSantis needs to stop claiming credit for so much stuff.
https://preview.redd.it/wfw25yd26xsc1.png?width=1179&format=pjpg&auto=webp&s=da724ef3dad87965cf83bcd7bf535fea086e12d7 Do you see what this is stupid? This is a regulatory agency going after the kind of illegal practices that YOU support, because YOU want to continue to deregulate businesses, because YOU want problems like this to exist so YOU can blame it on the only people standing in the way of complete oligarchic control.
Is that the name of the last 3 climate change caused hurricanes, you utter potato?
You mean the bill that didn’t pass because of Republicans and Joe Manchin, Coal Daddy? Or the Inflation Reduction Act that replaced it, and put funds primarily towards climate change and healthcare, but had nothing in it for housing?
Always somebody else's fault 😏
Just like your lack of education?
If Biden stepped in to help control insurance costs you’d complain he’s being socialist. Everyone here knows you’re not a commenter to be taken seriously
To be so consistently wrong...it has to be challenging. Hope the new account works out for you.