The problem has to do with Politicians , they allow the insurance companies to do what ever they want because of (donations ).
@monizdm
Жыл бұрын
Oh please. It is simple risk adjustment. Everyone is a capitalist until it bites them.
@rayRay-pw6gz
Жыл бұрын
Insurance companies are run to make profit. It is called Capitalism. Florida like California has been hit with much property damage over the years . California was first by earthquake, the drought which caused fires then heavy rain which caused landslides . Florida is having its turn by storm damage . Also residents and construction companies worked together to put in many false claims in Florida. The Florida government allowed the construction companies to take insurance companies to court and the insurance companies folded.
@tomyum6163
Жыл бұрын
So true. I'm sure many people do not know the root of the problem.
@JanelleGodwin-zl8li
Жыл бұрын
Uhm not donations, bribes they be straight bribes 💔😭
@dennyshoopman4397
Жыл бұрын
BINGO!!!!
@robertmagyar6792
Жыл бұрын
Florida insurers donated an estimated $10 million to DeSantis' campaign and other in state GOP front groups. 2 property casualty insurance firms-a subsidiary of Heritage Insurance and People’s Trust Insurance-donated a combined total of $125,000 to Ron's Inaugural Ball.
@elizabethezell8749
Жыл бұрын
You are correct !!! so don't look for any help at all from Ron DeSantis and Ron better not look for any votes from this girl if he doesn't
@johnmca5643
Жыл бұрын
We need to vote out Desantis!DeSantis! He's also banning away our freedom.
@citygirl5705
Жыл бұрын
Did you vote for Biden? If you did and don't regret it, you have ZERO credibility.
@elizabethezell8749
Жыл бұрын
I called good ole FPL I asked what was the difference between Base Charge and Minimum base bill charge ? Since I had zero usage ( long story ).....anywho, I was told it was to bring it up to 25.00 per customer fee, so Every Floridan will pay 25.00 to have that power in your name......can you imagine. Then I did some snooping and you can Google this yourselves ,not only do the FPSC regulates the power but, natural gas , water, and waste water industries in the entire state along with some telecommunications !!! Now I know why when one goes up they all go up..... friggin jerks.....In 2021 they made 620 million in profits and 2022 they made 763 million in profits . I'm all for people making money but not like this, this is wrong. Pay your bills and not eat or eat not pay bills 🤔
@nanlars2323
Жыл бұрын
@@elizabethezell8749thanks for your service to our great state of Florida Desastris get out of Florida
@michaelglover9825
Жыл бұрын
Only 80%? Mine went from $3400/year to $8200/year with Kin Insurance. Mine is in Escambia County, nowhere near the recently affected storm regions. We were able to adjust down to $7100 before finding a quote for $4200/year.
@michaelglover9825
Жыл бұрын
No claims made, either....
@shiverrmetimberss
Жыл бұрын
It’s the assignment of benefits and roofing companies that caused this. Not the storms! Roofing companies are sue ing insurance companies on behalf of the home owner. Florida represents 80% of the USA lawsuits to insurance companies 😳
@bonnyedaise9465
Жыл бұрын
Is this an area east of I95 ?
@bonnyedaise9465
Жыл бұрын
The property is being sold by the cities to the investors to build townhomes to sell to the border crossers which can bring in more money. The American citizens are not going to buy them because we know they are over priced and shabby built you can sweep them down 😩😩
@850armorworks
Жыл бұрын
@@bonnyedaise9465 Escambia County, extreme opposite side of the state
@Me97202
Жыл бұрын
We can thank our politicians for allowing insurance companies to do whatever they want to us. This is why we need to get money out of politics.
@dcg590
Жыл бұрын
What do politicians have to do with private business?
@TimothyCHenderson
Жыл бұрын
@@dcg590 They take donations for their campaigns. Much of it is done through Dark Money by non-profits who are run by businesses so they don't have to disclose their actual donation totals.
@Ton-uy1xd
Жыл бұрын
@@TimothyCHenderson Yup, I ran a marketing agency for awhile and we did work for various nonprofits. They all have horrible communication skills. They're all staffed with incompetent diversity hires who do the bare minimum work for bare minimum pay. Their turnover rates are always stupidly high. It was only when I noticed their complete lack of standards that I began to question how it all worked. Turns out they just needed to spend dollars on marketing to meet budget laws, which can only mean they werent concerned about the message or the cost. I eventually looked up one of the CEOs and found her entire IG feed loaded with images of her on vacations in spain, italy, france, bahamas, etc. Then I found out that her nonprofit applied exactly the legal bare minimum of their donations to their supposed cause. Then I found out that find that very CEO was also engaged to a city councilman here in CLE. This was a Black Woman Owned nonprofit that was supposed to help innercity black folks. Turns out it was just a money-making scam that recycled grants back into the pockets of politicians, nothing more.
@rickwhite5206
11 ай бұрын
My insurance went up 100%, not likely to get help from dirty corrupt Republicans in state house. I'll remember those d- bags on election day😢.
@Creativecassieevans
Жыл бұрын
My homeowners insurance with Progressive in FL went from $1830 last year to $4548 a year.
@TexasMade903
Жыл бұрын
Damn!
@Lauren-vd4qe
Жыл бұрын
r u going to pay it or sell and move out of florida
@minimaxmiaandme.4971
Жыл бұрын
Wow, that is insane.
@Lauren-vd4qe
Жыл бұрын
@@minimaxmiaandme.4971 all countries will make utilities/insurance/taxes so high that pple cannot afford to own their own homes/property any more, which is their goal. then ONE person will appear as a world leader (nwo/nwl) aka the antichrist and will let u stay in your house have your stuff n money IF you take his mark in your right hand. Rev. 13:16...as predicted...
@tobymofield6597
Жыл бұрын
I would be moving out of Florida faster than Fast...Problem solved.
@williamlouie569
Жыл бұрын
Their politicians rather fight WOKE then for their citizens.
@justtubing767
Жыл бұрын
Those rednecks don't even know what woke means. They just know it's related to black people.
@Hirogen24
Жыл бұрын
So true. I got an 80% increase this year for a house 50 miles inland on a non-flooding area. Disgusting
@johnmusser8925
Жыл бұрын
Go woke...go broke
@lateblossom
Жыл бұрын
I can't even afford a house let alone insurance on a house.
@mjblue84
Жыл бұрын
Me neither. I'm beginning to think that's a good thing.
@Havanorange
Жыл бұрын
It's not a good thing when it's time to retire and you're still paying monthly rent instead of owning a home.
@prioris55555
11 ай бұрын
@@Havanorange Your still paying property taxes, insurance and maintenance which becomes rent.
@edwizard62
Жыл бұрын
Mine doubled from $2k to $4k with Security First, and I have never filed a claim, i'm south of Jacksonville. Time to move out of Florida.
@altha-rf1et
Жыл бұрын
mine is $200 now if ours double we will have to sell our house Near Tampa and move to our 35 acres in NW Florida be debt free and not have house ins. I want to just get a RV to live in and than if a storm comes we can hit the road
@LRH143
Жыл бұрын
My house is 1,000 sq ft in Florida. I have not made a claim in 20 years and my insurance increased from 2,733.00 (2022) to 6,003.00 (2023). Why is there not a cap? Pure greed!
@getmeouttatennessee4473
Жыл бұрын
Demand actions from your lawmakers and ask Desantis how much insurance lobbyist money he has taken in since the start of his campaign.
@mjblue84
Жыл бұрын
Absolutely ridiculous!!! It is GREED.
@paulconner4614
3 ай бұрын
For some reason you have a lot of crooks in Florida. Just not sure which side is the crooks. Florida has 75% of all lawsuits for denied claims in the country despite being only 6% of the population. So is it the insurance companies being crooks for denying so much or are there thousands of crooked lawyers filing fraudulent claims
@kelj4517
12 күн бұрын
@LRH143 I live in the FL panhandle and my home is 1100sq. I got re-quoted in February (2024) and my homeowners insurance is $1580! It seems like people who live in central/south Florida have higher insurance premiums.
@kelliott7864
Жыл бұрын
We need to stop subsidizing insurance in Florida. It's not fit for human habitation.
@williebeamish5879
Жыл бұрын
Make it a park, a "national recreation resource".
@andretigiovaneti7587
Жыл бұрын
👍
@float_sam
Жыл бұрын
This is FL's future. Only those who can afford to lose it all once and awhile will stay around. Most there will soon be stuck with only the 'social' option for insurance (Citizens).
@raiden72
Жыл бұрын
Insurance is theft. Execs rake in millions.
@kevinjohnson3521
Жыл бұрын
Thank the lawyers for that!
@Nahyoutrippin
Жыл бұрын
The price for balling out of control
@elizabethezell8749
Жыл бұрын
I read this morning that Citizens is letting 25,000 people go, they can not take care of the masses.6/8/23 and Ron DaSantis ( sp) is not helping us at all
@TheDarkDresser
Жыл бұрын
@@kevinjohnson3521 And the politicians
@chodkowski01
Жыл бұрын
Insurance counts your land as part of the value of your home. The home value of my home is $500,000. The value of the land is $180,000 and the value of the house is $320,000. The land cannot be damaged only the house so why do I need $500,000 worth of insurance instead of $320,000?
@Hymz-kx2sg
7 ай бұрын
Because desatin sucks
@paulconner4614
3 ай бұрын
Some states allow you to carry lower insurance. A friend of mine in Texas carries 200k of Insurance on a $280k house. The reason is she owes $150k on it. If it's destroyed she can payoff the mortgage and have a little extra cash. But even at that her premium is $2700 this year.
@rooster1012
Жыл бұрын
DeSantis screwed us over so bad if he had any honor he would resign.
@kcor4
Жыл бұрын
Thanks for supporting your comments with facts. You're clearly a smart person.
@Jaxboy86
9 ай бұрын
Lol because fraud would have never happened under a Democrat.....get real
@cmac7384
Жыл бұрын
We need national law that keeps federal government from paying for houses in Florida where homeowners don't have insurance.
@JanelleGodwin-zl8li
Жыл бұрын
Yes there needs to be bills introduced forbidding government money to be used to rebuild in areas generally affected by severe weather! If you keep giving the doofkoofs money, they will keep on rebuilding in the same area instead of moving😪
@chodkowski01
Жыл бұрын
Even if you have insurance they find ways not to pay for damage.
@chodkowski01
Жыл бұрын
@@JanelleGodwin-zl8li areas like California as well.
@slipjones2
Жыл бұрын
@@chodkowski01 - sure include California. Only for first rebuild. Then you are on your own. Good luck getting a loan in Florida. We have rebuilt Florida 4 times in the last 20 years. Now what were you saying. NOTE: CA is about three times the size of Florida. Now what were you saying that your conservative news source feed you.
@YT0091
Жыл бұрын
@@JanelleGodwin-zl8li I see you don't live in Florida. The news is telling you the entire state is just a time bomb, isn't it? I've been here over 30 years and in my home for 20. Never once needed to file a claim. I'm many miles inland so the storm surge damage they always show you on TV will never get to me.
@johnmca5643
Жыл бұрын
I was told by Allstate that our insurance here in the Pacific Northwest is high, because we subsidize a portion of your insurance in Florida.
@michaelb.8953
Жыл бұрын
Sounds like you should fear the next hurricane in Florida if one lives in Washington state. How crazy is that? I live in Pennsylvania and I would bet it's all across the country that we are subsidizing Florida.
@TheDarkDresser
Жыл бұрын
@@michaelb.8953 When NY and NJ sustained heavy damage from hurricane Sandy years ago when Marco Rubio and Ron Desantis were in Congress, they both voted not to give hurricane relief to both states, but when they get hit by a hurricanes they expect a multi billion dollar help each time.
@michaelb.8953
Жыл бұрын
@@TheDarkDresser It could have been the relief bill for NY and NJ was slipped in with another pork bill, but I'm only speculating. Something about Desantis that I'm not quite sure about as Trump has 110% of my support.
@TheDarkDresser
Жыл бұрын
@@michaelb.8953 The problem with Desantis is his lack of authenticity and some can see it. I don't like Trump, but I have to give him credit for authenticity. I don't see him imitating anyone, but all Desantis did for the past few years was to imitate Trump, even down to his hand gestures. Another thing is that Trump will be loyal to you if you are loyal to him, but Desantis will drop you like a hot potato when he finds someone more useful to him. He begged Trump for his endorsement and fawned over him, but as soon as the richest man in the world began talking to him, he dropped Trump. Also, the way he "defends" Trump by first reminding people of what Trump did and then let them know that since he doesnt do those things, he wouldn't know anything about it.
@JanelleGodwin-zl8li
Жыл бұрын
@@michaelb.8953 Yes‼️ If you ask your insurance agent why is my house insurance going up and they will tell you (well they told me) well because of the houses destroyed in Florida,Texas, Alabama...etc you know it depends on what year you call. Yet the people in those states stupidly deny climate change mainly because they are lazy and stupidly&consistently vote for GOP, republicon, libertarian, independent who lean conservative, evangelicals who ain't nothing but fake Christians anyways, federalist and conservative politicians so enjoy the price hikes+enjoy the expensive insurances🥳
@BlkJack369
Жыл бұрын
What can be done pay the bill and Vote for a different Governor
@hustlecrowe9440
Жыл бұрын
Between Florida home insurance and Texas property taxes, a lot of those who left California are regretting it.
@altha-rf1et
Жыл бұрын
well move back
@SPUDWRENCH
Жыл бұрын
Brilliant response.
@Kiki-en9vm
Жыл бұрын
We'll, Florida pollutes and messes up people's head, let them not come back to Cali, they will be a problem with polluted florida mentality
@rnettles6241
Жыл бұрын
That's the idea. Keep the Democrats out.
@RB-gt8bf
Жыл бұрын
and those who never left Florida
@johngenova3849
Жыл бұрын
I live in Okeechobee fl. New house out in the lake area. Not on the lake but 1 mile from it. I will now have to have flood insurance even though I am not in a flood zone. (Even with the lake close by). The lake is not the coastline. But now I will have to pay. Ok fine. People say self insure. Fine if you have your property Paid in full, but not when you have a mortgage. Insurance is required. So you have to accept the industry the way it is. No one in any form of govt. will help the insurance companies lose money!. What people see to forget is you have to pay a premium to live in paradise. Florida is great but we are a very stormy state, period. I knew. Getting into ownership that I could suffer some form of a disaster where I live. The storms here are getting more and more intense by the years. And to add insult to injury, we now have tornados in florida. That’s something Floridians never had to worry about 20 years ago. Hence global warming.
@Jaxboy86
9 ай бұрын
Florida has always had tornadoes. What are you talking about?
@pamelalima5401
Жыл бұрын
Be glad you own a house because the most of people can’t even afford the rent prices in Florida, There are families living in their cars with children. Properties rented for 1600 2 years ago are rented now for 2500 without any improvements, actually not even a fresh paint on the walls.
@chodkowski01
Жыл бұрын
It’s makes more sense for them to buy a home. There’s plenty of government programs to help them get into a house. Or move to a cheaper state. Rentals aren’t the only way to live.
@bumblebay9559
Жыл бұрын
Yep. 1 bedroom in s Florida starting @ $2,000 no washer dryer in unit. Forget the online price when u get there, sorry no units available for that price. Miami Dade/ Broward county rental prices ridiculous.
@dcg590
Жыл бұрын
I guess people should’ve worked with their landlords during Covid instead of freeloading for a few years. Would you work for free because that’s what landlords were forced to do. No other business in the nation was forced to operate without compensation except landlords. Welcome to the consequences. Landlords took humongous losses, where never made whole. Not even with assistance it was never the whole amount and they were forced to either forfeit money to evict the ones stealing from them or take the money and agree not to evict. Why would a landlord want a thief living off their back? Now it’s the landlord’s turn, pay or get out.
@Lauren-vd4qe
Жыл бұрын
then those families shd drive their cars of kids out of florida to another state asap
@getmeouttatennessee4473
Жыл бұрын
@dcg590 my gid, you drink a TON of KoolAid.
@ymcz6339
Жыл бұрын
New orleans, Louisiana is experiencing the same with Louisiana Citizens insurance
@TD-izAbxy
Жыл бұрын
I'm surprised so many FL residents are shocked by these increases. What did they think was gonna happen when all of those claims were filed last year for all of that damage from the hurricane in September?
@charliesargent6225
Жыл бұрын
DeSantis could have ordered a freeze and worked something out since these crooks are making record profits, but he has taken $4M from insurance lobbyist. I was torn between him and Trump but as of now I'm with Trump who pointed this out about DeSantis. My premium DOUBLED. And my area had no hurricanes only a couple tropical storms yet I'm paying for crooked lawyers, contractors, lobbyist, politicians and other areas losses.
@Hayyyward
Жыл бұрын
Exactly. And they keep building right back on the beaches. Right back on other waterways. They have no problem in raising their home values when they go to sell but complain about the increased costs that come with it.
@davidjohncox7333
Жыл бұрын
One of the biggest reason insurance rates have skyrocketed are all the lawsuits sleazy roofing companies have filed against insurance companies and the costs of all the litigation and not so much the storms.
@elizabethezell8749
Жыл бұрын
@@davidjohncox7333 Zleazy isn't the word , friggin crooks and liars, thieves with a bucket and a nail. The roofer I had the very first question out of his mouth was " are you paying for this or the insurance company" I said I Am........That roof cost me 10,000.00
@pamelalima5401
Жыл бұрын
@@Hayyyward there’s nothing crazier for me than buy a house close to the water here in Florida… A lot of rain, hurricanes … you just wat to be the first one under the water
@christinahuihui5412
Жыл бұрын
These are rough figures I’m giving but; Moved here in 2020 First year HO insurance $1500 Second year HO insurance $3300 Third year (current)HO insurance $5100 SOMETHING NEEDS TO BE DONE AND QUICKLY. 14 HO insurance companies closed up shop and left, about 6 companies are insolvent… it’s somewhat of a monopoly for the few companies that stayed and homeowners options are few and far between. Unacceptable!
@johnkovac3880
Жыл бұрын
The Mafia would be embarrassed by the tactics that the Insurance companies use. It is a protection racket that does not pay out. At least with the Mafia, if you paid for protection, you were protected from other thugs. Insurance companies always bemoan a one or two years loss but never mention the other years where they made huge profits. My advice is buy a block home with at least storm shutters below what you can afford, pay it off as soon as possible, then drop the insurance and then save the money for more than likely will just be a new roof. That roof you saved up for would be forced to be purchased after fifteen years even if you were insured. As far as fraud, did you know if insurance companies lose a lawsuit where there were legally responsible for a claim, they still write it off as "fraud". I would purchase flood insurance right now because in my zone, it is still reasonable.
@johnkovac3880
Жыл бұрын
@floridaviolets9601 That is why I performed a core sample and ensured there was good ground under the foundation before I built. There is a fix and a inspection for this situation..
@davidgrochmal6023
Жыл бұрын
Talk to your Florida governor to do nothing party !!!!!!!!!
@carinarivera
Жыл бұрын
Same same same I did a 12k roof claim. Omg I should’ve gotten those shingles fixed myself.
@addham82
Жыл бұрын
She doesn't understand? What can be done? Move?
@timkasten343
Жыл бұрын
Time to call Ronald! He’s been really busy lately. Busy removing the rights of women and children. So, don’t think he give toot about your problem unless to foreclose on your home.
@davisholman8149
Жыл бұрын
Oh, good grief….🤦🏽♂
@RetireMe100
Жыл бұрын
Mine doubled last year and doubled again this year. In 2016 it was $1100/yr. This year $8600
@coolrunning2006
Жыл бұрын
Wow that's a crazy increase
@altha-rf1et
Жыл бұрын
Feel sorry for you, man if mine goes up we will have to sell our home near Tampa which I want to anyway, wife wants to stay here becaue of the kids,, I want to move to NW florida live in a RV
@davidjohncox7333
Жыл бұрын
My company wants to raise my annual premium by 131%!!
@asolano
Жыл бұрын
She is not alone. My premium is going up 50% on renewal next month after doubling last year.
@pamelalima5401
Жыл бұрын
Like the rent raises 😮
@asolano
Жыл бұрын
@@pamelalima5401 true. Still, it beats living in NY/NJ where I lived before so I'm not complaining. 😁
@carylhalfwassen8555
Жыл бұрын
Our insurance went from $4500 to $7000. But we did have a huge claim in 2017 after Irma. House has every storm mitigation and building design reasonable. Roof is cement tile replaced in 2018. Hopefully we do not need to replace every 15 years. We are having roof inspected and repair as needed annually just in case. Ian was not near us but close enough to yield 80 mph winds.
@eddyravelo887
Жыл бұрын
Stop the insurance scam 😒 not more mandatory insurance. 😤
@fredross3089
Жыл бұрын
It is not only South Florida. My insurance in Pensacola with Universal jumped from 6,000 per year to 10,000 because I filed a claim for Hurricane Sally damage in 2021.
@altha-rf1et
Жыл бұрын
Near water live in Tampa now we got 35 acres in Altha which got hit bad with Micheal all of their is going up
@elizabethezell8749
Жыл бұрын
That's who I have insurance with too, Universal Property, trust me I'm shaking
@altha-rf1et
Жыл бұрын
Got land kn Calhoun county wanting to move back up there get a mobile home just afraid the be high a d cannot afford it wife and I are retired told her that I want nics RV a d downsize if a storm hits we can
@johnmarshall6278
Жыл бұрын
When you live in a state that has all these hurricanes, what do you expect. To replace an average home today ,it cost the insurance company 500,000. To a million dollars. ,times that by 10s of thousands, what do you expect?
@davidjohncox7333
Жыл бұрын
It’s not so much storms play in rate increases. It’s the sleazy roofing companies filling lawsuits against the insurance companies and forcing them into litigation which costs are astronomical!
@JanelleGodwin-zl8li
Жыл бұрын
People in America erroneously think $ is free, just print more $ they always yell🥴🤪🤡 What they refuse to learn &input is that in order for anyone to be able to spend any money that money has to have some sort of value behind it, if it doesn't, it is nothing but green pieces of paper 🥴🤪🤡
@logicaldebateUSA
Жыл бұрын
@@JanelleGodwin-zl8li That is why crypto wins in the end.
@stavroslask1292
Жыл бұрын
You NEVER submit a claim on your homeowners insurance for peanuts like $5,000. Bite the bullet, the more claims the higher your premium will get in the long run. It’s business 101! I know it’s wrong but that’s how it is!
@JanelleGodwin-zl8li
Жыл бұрын
All insurances are nothing but legal ponzi schemes😉🤫
@chodkowski01
Жыл бұрын
Insurance will reach a height that it makes more sense to self insure and pay for repairs out of your pocket. Move into a sound structure home. The homes built today are built to a higher standard then when hurricane Andrew hit Florida. CBS over wood, hurricane windows and metal roofs fair much better through hurricanes.
@fassadine6352
Жыл бұрын
Mine went from $1100 to. $4500. Edison insurance which own by chase. When I called they said it was the state legislature who allowed the hike the price on everyone. The banks owns the insurance companies and the government officials I have never file a claimed. You should file claimed that is why you are paying them. These crooks want their cake and eat it too.
@marykunisch8274
Жыл бұрын
Insurance industry fraud!
@hearanecho
Жыл бұрын
Once you do a claim they treat you any way they want you with prices cause you "owe" them. My dad didn't even file a claim after a hurricane cause he said they'll fck u over so make sure you claim for something big or worth claiming.
@relentlesspursuitofshade1234
Жыл бұрын
Mine doubled this year and no increased coverages.
@Hirogen24
Жыл бұрын
Mine also went up by 80%, but since we are inland it was quite reasonable to start with, so I paid it this time. If this continues I will self-insure. You are absolutely right. There should be a cap to the percentage of increase. And no, there will be no help from our corrupt government who is in bed with the insurance companies. The only long term option I can see is to self insure, and hope for the best.
@rosalielane4533
Жыл бұрын
The state of Florida has a lot of insurance loop hole laws that cause fraudulent claims. I worked in the auto SIU claims industry on the auto side. Basically you use a repair facility that doesn't work with or agree to the insurance companies rates. These shops collect these claims over time then sue the insurance companies. The policy holder names are being used in these suites unknown by the policy holders. Don't have experience on home owners side but imagine the same thing is playing role and building material cost have gone up dramatically. Litigation cost is likely playing a very large role in this.
@jerryd1109
Жыл бұрын
You sure it's not because you live in a state that's at sea level and constantly gets hit by hurricanes? I don't even want to send aid to you all until you all decide to do anything that protects things better.
@shiverrmetimberss
Жыл бұрын
Yeah not 100% due to storms. Mainly the assignment of benefits and roofing scams doing exactly what you were seeing on the auto side. However, it’s gotten so bad that citizens was about to lose its reinsurance. Thier business is so bad that no one would take the other side of the deal so law markers had to act!
@bonnyedaise9465
Жыл бұрын
No it's greed
@lizhasker7921
Жыл бұрын
@@bonnyedaise9465 greed or thievery with a license?
@lizhasker7921
Жыл бұрын
@@jerryd1109 I am at about 30 feet above sea level
@kyngtrav3391
Жыл бұрын
This is happening to me as we speak. My premium went from 1900 to 4500 in a year
@carefulconsumer8682
Жыл бұрын
I am not in Florida and mine almost doubled also. Remember, in the summer of 2020, 36 cities were subjected to riots, looting, and widespread destruction. That is part of the reason rates have increased. They spread the losses across the country and shift the burden on to innocent policy holders.
@supertec2023
Жыл бұрын
I pay less then that for both property and insurance in CA
@know-body2519
Жыл бұрын
Move! Now ish, B4 Florida is covered by water.... tic toc my friend
@TheDarkDresser
Жыл бұрын
@@carefulconsumer8682 Maybe Desantis should not be taking millions in donation from the insurance companies.
@Jaxboy86
9 ай бұрын
@@TheDarkDresserinsurers donate to Dems as well. Its not one sided.
@notthatronjohnson1187
Жыл бұрын
I don't use home owners insurance for anything other than complete loss. If you file a claim your rate will sky rocket so they recup the entire amount they paid out.
@kevinjohnson3521
Жыл бұрын
FP&L has Homeserve for pipes. Inexpensive and helps. No losses yet but just in-case!
@Ti-nf4fq
Жыл бұрын
And then some.
@T.ROD1991
Жыл бұрын
I am on the same boat ...from 1900.00 to 4600.00 jump!!
@reginafisher9919
Жыл бұрын
I don't understand why they can't understand why, out of all the 50 states Florida is the worst state for damage, companies can no longer exist in Florida because the damage is too much, and you're asking why??
@kelliejones2300
Жыл бұрын
Now everyone knows what its like to have inflation hit you. Us renters were hit hard by huge rent increases & this left alot of people homeless. Not too mention the fact it ruined their rent history to be capable of finding more affordable housing.
@stevenhenry5267
Жыл бұрын
This isn't inflation.
@kelliejones2300
Жыл бұрын
@@stevenhenry5267 if this is not inflation. An increase in the general price then what is it?
@chodkowski01
Жыл бұрын
Bidenomics at work.
@dcg590
Жыл бұрын
Maybe you renters’ shouldnt have screwed your landlords out of 3 years of income during Covid. You lived for free and have the audacity to complain. Landlords who worked their whole lives to obtain property lost their retirement, life savings and property because you ‘renters’ freeloaded. Well, here are some of the consequences. Me to make up losses.
@timguillory6339
Жыл бұрын
Corporate greed
@edennard1
Жыл бұрын
you can think your present Governor and his minions for this
@bindilove3899
Жыл бұрын
Welcome to California. This has been happening here for several years due to fire. It’s horrible and the government needs to help.
@golightly5121
Жыл бұрын
The taxpayers need to rebuild your house?
@ericlaroze5549
Жыл бұрын
@@golightly5121 not the taxpayers. The homeowners. They are charged more for their premiums to cover losses incurred by claims.
@golightly5121
Жыл бұрын
@@ericlaroze5549 : backed by taxpayers when they run out of money.
@supertec2023
Жыл бұрын
I call B S on that. I pay about 600 a year for my home
@BenitoGuerrero
Жыл бұрын
California has had rate freezes since the pandemic started. Every major company is paying out more than they're taking in. We're also capped on the amount the premium can increase by. Right now you're only seeing the reconstruction cost go up. If they ever lift those restrictions hold onto your wallet.
@alisonsachs8218
Жыл бұрын
Ours went up by almost 100 percent with Kin! We have not even claimed a single issue ever since we bought our house 3 years ago. It's an absolute crime what's happening here. We are insurance hunting but don't have high expectations.
@weshowell7977
Жыл бұрын
Same experience. 16 year home owner with no claims. Give Citizens a try.
@charliesargent6225
Жыл бұрын
@@weshowell7977 Went to their website and they have a host of requirements. My home would need a high value policy needing many types of inspections which may be required on any of their policies. They could cancel policies for various reasons and I don't want a company busting my chops as much as every year with inspections and telling me what has to be fixed in order to be covered. And if they find anything they may deem as problems you have to have them fixed in order to qualify which could cost thousands. I'll stick with my company and the 100% increase especially since my home was built in '52 and I've had no claims in 15 years.
@kelliott7864
Жыл бұрын
Capitalism is not a crime.
@davisholman8149
Жыл бұрын
Never heard of Kin - is it a Chinese company?😳
@getmeouttatennessee4473
Жыл бұрын
@@kelliott7864Capitalism without limits is indeed a moral crime and failure against you and everyone you love.
@loripisani9724
Жыл бұрын
Working 3 jobs to hold the house? To live in paradise? Not worth it. Look at priorities. Never know when you may be hit by the big H in Fla. Crap shoot. Former "snowbird" condo owner many years ago. Once you file a claim anywheres your rate shoots up. Car or homeowners. Bigger your house and fancier your car the more you pay. Was looking to retire there, miss the ocean, warm winter weather, low taxes at least for now, so many great things to do. Every state has its pros and cons.
@HEllis-qu5nn
Жыл бұрын
Hello Florida! Its the deal DeSatantis made with Insurance companies!
@BNWhitty
Жыл бұрын
People blaming insurance companies.. smh.. they are all going bankrupt.. its floridians.. you think you can sue sue sue for everything without consequences. Same thing in car insurance. You look at someone and they are hurt calling Morgan and Morgan. All you did was make the attorneys rich!
@lateblossom
Жыл бұрын
Exactly. People are just never able to see the bigger picture.
@pamelalima5401
Жыл бұрын
Perfect
@claytonbigsby942
Жыл бұрын
Louisiana wind policy(no flood) went from $3800 to $14600 last month.
@supertec2023
Жыл бұрын
Another conservative paradise
@coolrunning2006
Жыл бұрын
What that's almost 400% increase
@billtr8516
Жыл бұрын
mine doubled from 4k to 9k on less then 100k acv, Thanks Ron D
@altha-rf1et
Жыл бұрын
Just Asking what you would do, we have a house North of Tampa ow 18K we have to have insurance because of that. ours is now $200 if it goes up I cannot afford it. I'm on SSDI all my check covers the monthly bills. Here is the Question. we have 35 acres in Northwest Florida, I want to sell be debt free and get a RV to live in, or a small mobile home owe nothing on it, Wife wants to stay here because of the kids which are teenagers now and we do not see them that much they are doing their own things, so what would you do? Stay be in debt be near a city, or move be debt free middle of 35 acres? Did tell my wife it our insurance go up we cannot afford to live here, I refuse to go into any more debt or higher bills
@virginia3222
Жыл бұрын
It’s not just price gauging that’s driving up Florida’s property insurance premiums. Many of Florida property insurance companies have been driven bankrupt by huge losses after storms. It’s a disaster-prone state.
@stevenhenry5267
Жыл бұрын
Meh. You get what you vote for. Flor a duh.
@Jaxboy86
9 ай бұрын
Lol yea because ppl fraudulently getting new roofs wouldnt have happened under any other form of leadership. Only Republicans. Get real
@bernaclischurchill4463
Жыл бұрын
It wouldn't be unthinkable that her's would go up in a state with tremendous weather related property damages. Damages are for the most part are calculated & estimated via the region that you are in. If there are a lot of fires in your area, they go up; storm damage in another area, yours will go - they spread the insurance risk as it were. Although, my ins went up as well, only slightly, because of the damage from various people in the area who have had fires, although thank God, it didn't include me, but unfortunately, ins. companies all work together and they spread the risk of coverage. Ms. B. Churchill
@lizhasker7921
Жыл бұрын
I am not surprised at the teachers new premium. I live in Okaloosa County and up untill 2 years ago I was paying 4,500.I was with Universal for 15 plus. I never ever put in a claim for fear they would cancell.When I would speak to the agent and complained about the price increases he would tell me that I would have to pay much more if I went to another company. He canceled me with the excuse that I was late on the payment. PLEASE CAN SOMEBODY HELP ME, WHO CAN LOOK AT THIS ?MY NAME IS LIZ.
@timguillory6339
Жыл бұрын
Yea Ron will be right on that 🤣🤣
@alanheadrick7997
Жыл бұрын
My son talked to a guy he knows that sells insurance and the guy said they are now seeing a lot of foreclosures due to rising insurance.
@ladyofthewoods2448
Жыл бұрын
I heard that property insurance was going up Gee that’s so much . I was shocked when eggs went up to 6.00 a carton here
@zendoll1
Жыл бұрын
WOW! They are $2.38 here in Indiana.
@kevinjohnson3521
Жыл бұрын
@@zendoll1 hence why we are not in a recession right now, the CPI rates increased… fake non-recession
@cindyeisenberg8367
Жыл бұрын
My condo dues went up 150%. The Governor will not help us to get affordable property insurance and I am on disability. I am scared about this. I will eventually not be able to afford to live here. My insurance is going to go up, because I have a severe leak. I only got $3400 for a $8400 job.
@AmericanPatriot-1776
10 ай бұрын
I live in California, two years ago my homeowners insurance was $1,600, last year it went up to $2,100 and this year my bill is $4,100. I've never made a claim, my husband and I built our own home 33 years ago, it's a simple !,500 sq feet. I'm going to shop around tomorrow.
@michaelmalone1624
Жыл бұрын
They elected a governer that spends his time fighting with a mouse, burning books, and running for president instead of paying attention to his state. You guys elected him. You deserve what you got.
@JanelleGodwin-zl8li
Жыл бұрын
But yet they especially the elderly believe that they are supposed to vote against it by ever voting for any GOP, republicon, libertarian, independent who lean conservative, evangelicals who ain't nothing but fake Christians anyways, federalist or conservative politician and politicians but yet still benefit from it and that it will still be there for them when they need it🤣😉 because you know they are sticking it to the man🤣 When are they ever going to realize,learn and input that the only man you are sticking it to is yourself?
@Jaxboy86
9 ай бұрын
Burning books? Mouse picked the fight. You dont think he can run a state and run for President? You are right. Ppl have never done that before.
@flabunny1
Жыл бұрын
My rate went from $1600 in 20 $14-$8800 in 2023 for a 1600 square-foot house. With absolutely no claims
@donniemoder1466
Жыл бұрын
A couple thousand increase for the year is unusual. But most people with big houses like that, you figure they can afford it. This young lady comes off as a bit of a griper. I could see if an senior citizen on a fixed income would have more to complain about.
@altha-rf1et
Жыл бұрын
our is is 1800 sq feet we live 40 miles form the Gulf of Mexico wonder if their location near water or flood zone is causing prices to go higher which they should be
@lb6056
Жыл бұрын
Exactly. She needs to shut up, pay up or MOVE!!
@kinNde
Жыл бұрын
That's what you get, keep voting 🔴
@Jaxboy86
9 ай бұрын
We will thanks
@rosewoodsteel6656
Жыл бұрын
Hint: Don't file a homeowner's claim unless you have major damage. Forget about the policy details, your insurance is for catastrophic events only. If you have a broken pipe that costs $5,000 to repair, do it "out of pocket". If you are smart and have a high co-pay to keep your premium down, it would cost you at least $2,000, anyway. This is especially true if you are in high risk states like Florida. -Use your policy for nickel and dime stuff, they will cancel you.
@angelaw9476
10 ай бұрын
Hint #2... Residents have been doing that for years and the insurance rates still increase especially after any hurricane. Insurance companies see billions to be made and take the money and run. So many companies are pulling out of FL because they've gotten as much money from homeowners as they know they can. Some people are going without insurance when they no longer legally have to have it. I'm from Pensacola and it's outrageous what insurance companies have gotten away with.
@rosewoodsteel6656
10 ай бұрын
I'm sorry, Angela, residents have been doin g what for years? Thanks. @@angelaw9476
@thomasedwards2208
Жыл бұрын
Me too Micheal, Nassau co. florida, 1983 mobile in very good condition on 3 acres, also with Kin insurance, mine was 1200 a year with AIG, they cancelled me after my one and only ever claim for a roof, then KIN insurance after I was force to spend $3700, on all new piping to quality, went to 2500, then this year a 57% increase to $4350 for a 1983 moblie home, I'm forced to leave after 22 years on this really cool peace of nature, and absolutely no help from florida government in Tallahasse , or DeSantis,, or channel 4 jacksonville, what a criminal joke.
@davisholman8149
Жыл бұрын
If your home is paid for - do you have to insure it? I would drop insurance & save the premium you are currently paying in an account for repairs.
@gregBertrand-g4f
Жыл бұрын
What is DeSantis doing about the insurance incease. You know, he doesn't rally care.
@calvinhenshaw2147
Жыл бұрын
cap the lawyers.... they are the ones making the money. and the news dont seem to cover the real problem.
@msgmak1379
Жыл бұрын
I see it in the Midwest a lot. People tear down old cabins and second homes that were built for $15000 or $20000. Then they build million dollar mansions.......it costs a lot to repair those mansions.
@frankisawesomee
Жыл бұрын
Lord May god bless you all. Paying that much money and a mortgage with high interest rates… wow
@michaeln.2383
Жыл бұрын
People will have to learn to give up what they can do without. They should become self-insured.
@getmeouttatennessee4473
Жыл бұрын
That's true but if you're still paying a mortgage, it's illegal.
@flabunny1
Жыл бұрын
Can’t self-insure if you have a mortgage that’s the problem. Can’t pay off your house quick. If you’re paying another $800 a month for insurance that’s the issue.
@michaeln.2383
Жыл бұрын
@@flabunny1 Just try to save and hope nothing bad happens.
@flabunny1
Жыл бұрын
@@michaeln.2383 sure.
@christianduval9067
Жыл бұрын
How many people use the system to change complete roof instead small repair......
@maxin3231
Жыл бұрын
Texas my went up 50% insane
@imperialmotoring3789
Жыл бұрын
My property taxes doubled here in Chicago because of the "migrants".
@SLR.e14
Жыл бұрын
Is anyone else experiencing a spike in property taxes ?
@TBoy1247
Жыл бұрын
Right. That's what we need the Government managing insurance Companies. See insurance rates in California.
@gladysvalentin388
Жыл бұрын
This is something that family should fight is ridiculous and should be illegal. Why illegal home owners insurance are the number thief, you pay so much money for many years and at the end of a disaster they don't pay. So, this should not be allowed.
@bjvu9460
Жыл бұрын
well, stop paying the insurance and your problem should be solved. afterall, if you get a loss they wont pay in any case.
@weshowell7977
Жыл бұрын
@@bjvu9460 mortgages require insurance🙄
@YT0091
Жыл бұрын
That's cute. Mine went up 105%. Called my agent and immediately switched to a new company which happened to be Citizens. That means my agent couldn't get anything that was within 20% of Citizens. But caps aren't a solution either. California does that at least for auto policies so all the insurers are just leaving the state because they can't make any money.
@lutherbrenek2888
Жыл бұрын
Building material cost went up? That was because of the 25% tariff on imported goods or also known as a consumer tax. That should be baked into prices of insurance now as well as inflation.
@calvinhenshaw2147
Жыл бұрын
What do you expect when you let the lawyers own the system..... will take a while till the law helps about time . Now investigate why the CFO and assistant resigned. We dont care how many jobs she has. she is the same as everyone except the lawyers.
@phoenixbrazil5266
Жыл бұрын
Desantis is on a book tour
@tqlla
Жыл бұрын
$7000/year for property insurance . Wow, that is painful. Did the law changes have any effect on lowering prices?
@mikewilson7622
Жыл бұрын
Keep voting republican they love you ha ha ha saps
@Pinkfrosting962
Жыл бұрын
Bruh, this is how it was In Minnesota. Liberal land. I moved. Now florida is going that way. Do you know anything about insurance? They’re taking away homeowners rights to dispute criminal billion dollar companies.
@mikewilson7622
Жыл бұрын
@@Pinkfrosting962 florida is not liberal at all i know all about insurance i live in the insurance capital of the world Connecticut you don't have to tell me about how greedy these insurance companies are we have collapsing foundations in Ct and they refused to cover minimum 250 grand to fix that its all about greed period unamerican pieces of garbage just like so called inflation ha oil companies and american corporations are making the most money they have ever made in there existence and pay ZEREO IN TAXES TAKE ALL THERE TAX CUTS AWAY UNTIL THEY STOP DOING THAT UNAMERICAN PIEVES OF GARBAGR
@Pinkfrosting962
Жыл бұрын
@@mikewilson7622 well this is one thing we agree on. And I’m not letting it go.
@Lauren-vd4qe
Жыл бұрын
if u vote leftist then u get drag queen story hour in your kindergarten classes!!
@xaviergordon4169
Жыл бұрын
You want to live in Florida in a nice house, then pay... I am sure you will want the insurance to pay top dollar if something happens to your home. It's not a charity. What can be done? Move...
@Pinkfrosting962
Жыл бұрын
Yes, but they won’t. And now legislators are removing all of the rights of property owners to use lawyers and public adjusters. Newsflash: billion dollar companies with top lawyers aren’t losing illegitimate cases. They should have paid up when the claim came.
@hearanecho
Жыл бұрын
What's the excuse for us who were born here? Our whole lives are here. It's not easy to just up and move to a state so you're stuck inbtwn a rock and hard place when you had the same job for 30 years. The f?
@weshowell7977
Жыл бұрын
instead of a tent in LA. hmm
@altha-rf1et
Жыл бұрын
Darn that is a big house sure her insurance will cost more, NEW PORT RICHEY close to the water as well, A Flood Zone as well
@ocsugar
Жыл бұрын
Sell and move if you can no longer afford insurance. We saw what hurricanes can do in Fort Myers Beach so the escalations should be no surprise
@montanak7
Жыл бұрын
I didn’t file a claim and mine just went up more than double to $12000 a year with Olympus
@pamelalima5401
Жыл бұрын
Wow should be a big house
@montanak7
Жыл бұрын
@@pamelalima5401 2,300 sq ft house but it’s 2 sty. So not really
@magdalenasmyl6366
4 ай бұрын
Im paying 7.000 in tax and 5.000 in insurance, home 1989 it’s shameful
@radekkimak1568
6 ай бұрын
can I buy a house in Florida without home insurance? I want to buy for cash, no mortgage. thanks
@KSUGA-mo6se
Жыл бұрын
Paying for a home now that i would not have qualified for when i bought it 3 years ago. My home has never been hit or had damage from a hurricane, yet my insurance has quadrupled! I've never filed a claim. It's criminal what politicians are doing to this country. What's next? Will our homes burn to the ground, too?
@ges6959
Жыл бұрын
Just started pricing insurance for next year. Citizens, is trying to get people off that plan, and I would like to do so. Like the woman in this story, I, too, had Security First Insurance but I did not have any claims. Last year they attempted to raise me over 100%. Unfortunately, so far the least expensive plan I've been able to find is almost double my current premium. I don't live in a flood area, I have done everything to hurricane-proof my house - impact windows and doors, new roof - and had a wind mitigation done by inspector. Five point inspection done by a professional - electric, HVAC, water pipes, etc and passed with flying colors.
@kararkhan8720
Жыл бұрын
Leave the state if you don’t like and can’t afford insurance, what were you thinking moving to state that is estimated to have at least two-three hurricanes a year just in the next 10 years.
@trollhunter3944
Жыл бұрын
It's not so easy for everyone. I've been in FL for many years, and though I'd like to leave, I can not leave my young kids.
@Jaxboy86
9 ай бұрын
Hurricanes have always hit FL. Its not like this is new.
@retromoto9456
Жыл бұрын
I pay $750 a year on my 600k home. My insurance company (Nationwide) said that I don't live in harms way (Northeast). Therefore, my insurance is lower than other parts of the country. Florida needs to keep focusing on "WOKE" whatever that is...
@22trem
10 ай бұрын
$3,000 more? That’s one Disney trip. May have to do without Mickey this year.
@earlhammond9810
Жыл бұрын
Finally these homeowners are having to foot the bill for the past losses in these areas. If you want to live in low lands near the 'Florida coast you will need to put up more money to help pay the total cost of all the Hurricanes that have been hitting there on an increasing frequency. Sea level is rising every year also. Get out of there unless you want to pay more. I am sure the rates will even be higher on there next renewal. Rates just continue to go up as one disaster after another continues. The future is only going to get worse as storms get bigger and more frequent
@JanelleGodwin-zl8li
Жыл бұрын
But yet you Floridians just voted for a vast majority republican government; that is basically like asking for this problem to happen and repeatedly happen because republicans do not believe in and have renounced the real science&data dealing with climate change; because the weather changes everyday you know 🤣😉
@Jaxboy86
9 ай бұрын
Increasing frequency? What?
@Jaxboy86
9 ай бұрын
You know the strongest Hurricane to ever hit FL was in 1935. If you took away the one spike in activity in 2004, it would be almost identical across the board from 1944 to now. Hurricane cycles fluctuate every 4 decades or so.
@Kiki-en9vm
Жыл бұрын
Floridians opened their door for the devil,and the devil had taken over,are they even suprised,more is yet to come.
@Bxgent1988
Жыл бұрын
Smh I’m glad that floridans and Texans are going through the same thing. Now we all in the same boat. Don’t matter if you live in NY, California, you paying what everyone else paying, wether they are renter or homeowner. 8,000 a year imagine that only on insurance. My one bed room apartment in NY with patio is 1,400 a month. No taxes, no home owners insurance, no property taxes.
@MM-fh6kp
Жыл бұрын
I pay $1200 for a $1.2million home full coverage in California……it went down from last year was $1450…..
@jimmycarter9099
Жыл бұрын
1983 home use to be a rack house will pay it off in 4 years I am tired of the insurance and mortgage company rules they are trying to take all of our money
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