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dontmeantobepoliticalbut · 9 months

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When Hurricane Ian pummeled Florida last week, it left a stunning trail of physical devastation in its wake. Entire neighborhoods vanished beneath water, cities were shredded by 150-mile-per-hour winds, and thousands of people lost their homes overnight.

Though the storm has since dissipated, it will bring even more turmoil to the Sunshine State in the coming months — but this damage will be financial rather than physical. Ratings agencies and real estate companies have estimated the storm’s damages at anywhere between $30 and $60 billion, which would make it one of the largest insured loss events in U.S. history.

Wind damage is covered by standard homeowner’s insurance, and the payouts necessitated by Hurricane Ian’s extensive wreckage are likely to accelerate the collapse of the state’s homeowner’s insurance industry, driving private companies into bankruptcy and forcing thousands more Floridians into a state-run program with questionable long-term prospects. The process offers an early view of the way that natural disasters fueled by climate change threaten to upend regional economies.

Home insurance costs are poised to skyrocket for all Floridians — not just those who live in the places most vulnerable to major storms. The state will be forced to impose new taxes and penalties as it tries to keep the market afloat. New burdens will fall largely on low- and middle-income homeowners. For many working class Floridians, homeownership may become impossible to afford as a result.

“We already have a housing affordability crisis, and now we’re adding this new pressure,” said Zac Taylor, a professor at the Delft University of Technology who has studied climate risk in Florida and grew up in the city of Tampa. “Insurance is potentially the thing that is destabilizing homeownership — ironically, because it’s the thing that’s supposed to protect [homeownership] and make it possible.”

While homeowner’s insurance nationwide averages around $1500 a year, Floridians already pay almost three times as much. The state’s insurance market has been struggling ever since Hurricane Andrew made landfall south of Miami in 1992 and damaged more than 150,000 buildings. After Andrew, large private insurers like Travelers and Allstate froze their business in the state rather than risk having to pay for future disasters. This led to the creation of a public option called Citizens, which functions as an “insurer of last resort” for people who can’t find private coverage. The state also subsidized small “specialty” insurers who would only offer homeowner’s coverage in Florida, shifting market share away from national companies.

But this local market has begun to teeter in recent years, even in the absence of any major hurricanes. One reason is that Florida has become a hotbed for sham roof-repair lawsuits. Shady contractors approach a homeowner and offer her a free new roof, then file a claim with her insurer on her behalf, even if her roof didn’t actually suffer any insurable damage. Then, the contractors litigate the claim until the insurer settles. This has gotten quite expensive for insurers in the state: Florida accounted for 8% of all homeowner’s insurance claims in the United States in 2019, but more than 75% of all insurance lawsuits.

At the same time, it has become much more expensive for insurance companies to purchase their own insurance. The companies buy this so-called “reinsurance” to guarantee that they have enough money to make large payouts after big disasters, but the large global companies that sell reinsurance have gotten cagey about offering it in Florida, considering that the state has built millions of additional homes in areas vulnerable to natural disasters even as climate change increases their risk. The reinsurance companies have raised prices to account for this, and many local insurers have struggled to keep up with the costs.

The high costs of litigation and reinsurance had already driven six local insurers bankrupt so far this year, even before Hurricane Ian. In the summer, a ratings firm called Demotech threatened to downgrade several other specialty insurers, saying they weren’t stable enough to deal with a big storm. That downgrade would have made them worthless in the eyes of major lenders and effectively removed them from the market. It caused a flurry of concern from state lawmakers, one of whom said the market was about to “collapse.”

Hurricane Ian is likely to hasten that collapse by driving at least a few more homeowner’s insurance companies into bankruptcy. If Ian’s damages are close to the estimated $30 to $50 billion, it would be especially catastrophic for Florida’s already-struggling specialty insurers. The companies that do survive will have to pay even more for reinsurance, which will force them to further raise prices.

“I would predict the price of insurance will go up in Florida, or, certainly insurers will be looking for price increases,” Alice Hill, a climate change and insurance expert at the Council on Foreign Relations, told Grist. “It’s proving to be risky, particularly with climate change, looking at these storms intensifying more quickly.… Homeowner’s insurance is written on a year-by-year basis, so if a big event comes through, there’s a change next year.”

New bankruptcies and price hikes on the private market would drive thousands more Floridians to Citizens, the public insurance provider that the state established after Hurricane Andrew. The number of Floridians enrolled in Citizens has already surged over the past decade as other private insurers have collapsed, and this year the program surpassed 1 million policyholders for the first time, having doubled in size over two years. It controls around 15% of the insurance market — and more than twice that in especially vulnerable places like Miami.

“You’re going to see a big increase in the number of policies going to Citizens, and you could see a significant portion of the private market just go away,” said Charles Nyce, a professor of risk management at Florida State University and an expert on the state’s insurance market. “And the more of the market Citizens takes, the more at risk the state is.”

That’s because the state is on the hook to help Citizens pay out claims after big storms. Citizens has about $13 billion right now, and early estimates suggest that claims from Ian will only cost the program around $4 billion, so it’s not in any immediate financial jeopardy. But the program will balloon in size over the coming years as it absorbs all the people who lose coverage on the private market after Ian, and its expanding roster will leave it more vulnerable to the next big storm. If another Ian comes around, Citizens might find itself short on cash.

This would force Citizens to make what is called an assessment, or a “hurricane tax” in local lingo. When the program faces financial difficulties, it can impose a surcharge on every person in Florida who buys any kind of property insurance, from home insurance to auto insurance to business insurance. This surcharge acts as a kind of tax subsidy for people in vulnerable areas: Everyone in Florida ponies up to ensure the state can help storm victims rebuild.

“That’s the biggest concern I have,” said Nyce. “Say you’re a single mom working in Orlando living in an apartment, but yet you have to own a car. Now you’re paying an assessment on your auto insurance to subsidize someone who lives on the beach.”

Since Hurricane Ian is unlikely to stem the tide of new arrivals to Florida — and since the only insurance option for these new arrivals will be Citizens — Nyce said that these assessments could become much more common as the years go on. In the past they have never exceeded around 1.5% of annual insurance bills, but future storms could drive that number higher.

Citizens can also issue bonds to fund payouts, said Nyce. But because it would issue those bonds against the state’s credit rating, doing so could dampen the state’s own ability to borrow money, again leading to higher costs down the road. And the more tax revenue the state spends propping up Citizens, the less it has to fund other essential services like education and transportation.

The upshot is that Hurricane Ian could make life in Florida a lot more expensive for everyone in the state who owns a home or a car. Decades of rapid development and a new era of supercharged storms have created a risk burden that is impossible for the private insurance market to bear. Now, in the aftermath of Ian, the state’s 21 million residents will assume more and more of that risk, and their wallets will see its earliest effects.

For an example of how these costs might impact vulnerable Floridians, Taylor pointed to the community of Miami Gardens, a majority-Black community in the Miami metroplex that is one of the last places in the region where homes are affordable.

“How is this community supposed to reduce its risk?” they said. “How are homeowners going to deal with this? We’re talking potentially the equivalent of multiple monthly mortgage payments … and this is not poised to go [back] down. Fewer and fewer people are going to be able to afford their houses.”

#us politics #news #grist #2022 #florida #homeowners insurance #Hurricane Ian #Florida insurance market #insurance market #travelers insurance #allstate insurance #Citizens insurance #insurance claims #insurance lawsuits #hurricane tax #Florida credit rating

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pricebenowitzlaw-firm-blog · 6 months

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Car accidents cause significant stress and disrupt lives. Despite the time that has passed, it's never too late to seek legal help. Understanding the statute of limitations and working with a car accident lawyer can ensure you receive fair compensation for your injuries.

#car accident #legal help #insurance claims #law #lawyer

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mobilewindscreen · 8 months

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Tukar Cermin Kereta, Repair Cermin Kereta, Insurance Claims

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#windscreen #windscreen repair #insurance claims #windscreen shop #windscreen shop near me #cermin kereta #kedai cermin kereta #kedai cermin kereta near me #repair cermin kereta #tukar cermin kereta

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kp777 · 8 months

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By Brett Wilkins

Common Dreams

Aug. 24, 2023

"This growing unseen and unacknowledged banking crisis is going to become visible soon as the climate-related disasters and losses pile up and insurance companies continue to go bankrupt."

Insurance companies bankrupted by climate disasters are the "canaries in the coal mine" portending "a much worse banking crisis," and regulators must act with urgency to avert financial crashes and costly bailouts, a report published Wednesday warned.

Amid increasingly frequent and severe fires, flooding, hurricanes, tornadoes, landslides, and hail storms across the U.S., "it's no surprise that there is a great deal of attention on the burgeoning crisis among insurance companies and their insured individuals and businesses," says the report, which was published by the financial reform advocacy group Better Markets.

"The U.S. property and casualty industry suffered losses of $5 billion in 2021, which ballooned to losses of $26.5 billion in 2022," Better Markets notes. "There have already been 15 confirmed weather/climate disaster events with losses exceeding $1 billion each in the U.S. as of August 8, 2023, with losses almost certain to exceed 2022."

That tally notably does not include the Hawaiian island of Maui, where a wildfire spread by hurricane-force winds leveled Lahaina, killing at least 115 people and causing an estimated $5.52 billion in damage.

"The number of insurance companies going bankrupt, withdrawing from states, limiting coverage, and significantly raising premiums is increasing by the day," the publication continues. "In addition, the reinsurance market, which is key for insuring major climate events, is facing a reduced investor demand, which is going to decrease coverage while increasing costs even more."

"However, this isn't just a crisis for insurance companies and their customers," Better Markets stresses. "The ongoing and worsening insurance crisis is the leading edge of a coming banking and financial crisis."

According to the report:

While climate risk is tragic for homeowners and problematic for insurance companies, it is exponentially worse for banks and the financial system. That's because insurance companies limiting their losses do not eliminate the losses entirely; they merely shift losses to other entities like banks which have large and increasingly concentrated portfolios of loans and other credit instruments to those now uninsured or underinsured real estate properties and businesses. When the inevitable climate disasters occur, those exposures will quickly become realized losses, potentially at levels that will cause banks to collapse, and possibly ignite a credit contraction, precipitate contagion, and result in a banking crisis if not a financial crash.

"There's a major untold story behind the unprecedented climate disasters pummeling the country and capturing the headlines: Today's climate crisis is tomorrow's banking crisis," said report author and Better Markets CEO Dennis Kelleher, who criticized federal regulators' lack of action.

"The Financial Stability Oversight Council (FSOC) and banking regulators' response thus far have been grossly inadequate and inconsistent with the material climate risks bearing down on banks and the financial system," he argued. "For example, the FSOC member agencies were called on just two years ago to bolster the financial system's resilience to climate-related financial risks. Yet, since then, the actions have been slow and half-hearted."

"This growing unseen and unacknowledged banking crisis is going to become visible soon as the climate-related disasters and losses pile up and insurance companies continue to go bankrupt and stop insuring homes, businesses, cars, and other bank assets in state after state," Kelleher warned.

"Just as insurance companies are acting to limit their losses, the FSOC and other banking and financial regulators must require banks and financial firms to assess their exposure to those losses and have an action plan to mitigate them before they materialize and cause banking crisis," he added. "Climate disasters are bad enough; a banking disaster on top of that will make everything much worse."

Our work is licensed under Creative Commons (CC BY-NC-ND 3.0). Feel free to republish and share widely.

#climate change #costs of climate change #insurance claims #insurance crisis #banking system #u.s. economy

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iamemeraldfox · 1 year

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Please, for your sake, if you cause a traffic accident, STAT RIGHT THERE.

DO NOT LEAVE!

Any penalty you get will be dwarfed by a penalty waiting for you if you escape the site of the crime

As far as your insurance company is concerned, they will pay for damages of the injured party, then get ALL the money back from YOU

Do you want to fix YOUR damaged car from your insurance? Your escape makes you ineligible. You get NOTHING.

Also, the police MUST give you an alcohol test within a specific timeframe, or you will be ineligible under suspicion of drunk driving

Please make your life easier for yourself and don't do anything stupid

Thanks

#insurance claims #traffic accidents

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insoclaims · 2 years

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What is insurance fraud? Types and tips to avoid insurance fraud in India!

Insurance fraud is a serious problem that costs insurers billions of dollars every year. This occurs when a person intentionally misrepresents them or their circumstances in order to receive insurance benefits. Insurance fraud can take several forms, but some of the most common are:

-Increase in the value of a claim.

-Filing a false or exaggerated claim

-Staging an accident

-Engaging in "swoop and squat" schemes Insurance fraud is not a victimless crime.

Everyone pays for it in the form of higher premiums.

If you suspect someone of committing insurance fraud, do not hesitate to report it.

Read the full blog here......

#insurance #insurance fraud #insurance claims #financial advisor #financial advice #insurance lawsuits

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henry-123s-stuff · 1 year

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Whether it's about your employee's expense claim or your customer's insurance claim, we have simplified the claims management system and implemented an array of digital and data-driven solutions.

We strive to achieve customer loyalty, stronger customer value proposition, process automation and integration of technical, functional components needed to enable a holistic claims process.

Engage with customers through the whole claims process, and Underwriting solutions that automates core underwriting processes.

Contact us at [email protected] or call +91-20-40130400 to Enhance Your Business Growth With Suma Soft's Claims Management services.

Website:https://www.sumasoft.com/business-services/claims-management-services/

#insurance #insurance claims #finance #risk management #automation #banking #underwriting

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alwaysbewoke · 26 days

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homeinsuranceclaims · 2 years

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Home Insurance Claim Rejected

The importance of home insurance is something that many people are unaware of. With home insurance, you can protect your family from financial ruin. Home insurance is also important because it offers peace of mind and protection.

Also, home insurance is something that is important for people to have in their lives. Whether it is for their apartment, house or the contents inside their home, home insurance can help people feel more at ease and safer in the world. Not only does it protect you from financial losses, but it also helps you if you have to file a claim. With that being said, home insurance is an extremely important aspect of owning a home.

Rejected Home Insurance Claim

Insurance claims can be rejected for multiple reasons. They could be rejected because the claim wasn't filed within the correct time frame, it was filed in the incorrect geographical area or the claim was filed after the policy had expired. There are also some cases where an insurance company might not provide coverage for certain types of damages. If your claim is rejected, you should contact your insurance company for a review, and if you are still not satisfied, you can file a complaint with your state insurance regulator.

What to do if a Home Insurance Claim is Rejected

Here are the things you can do if your home insurance claim is denied by the insurance company:

Know why your claim is denied

There are a few different things that could happen if your claim is rejected. It may be that something in your application was incorrect, or the insurance company have denied your claim because they do not insure the damage or repairs.

File an appeal

Some insurance companies will reject a claim for their mistake, for no apparent reason. If you feel that your claim was denied unjustly, you can appeal the decision and try to get a better decision.

Confer with a property insurance claims professional

If you have a home insurance claim that was rejected, you may want to consult with a professional insurance claims assessment company. You should not ignore and not let claims rejections hold you back from protecting you and your family. If you have a home insurance claim that was rejected, you should get an insurance claims assessment report to help you right away.

Project Plus Services is an insurance claims assessment professional, they believe in simplifying home insurance claims. They understand the importance of maintaining a sound and efficient property insurance claims process and are committed to finding faultless and cost effective solutions to any issues you may encounter.

Project Plus have completed 50,000 + specialist reports and are leaders in the Insurance Claims Assessment in New South Wales, Victoria and Queensland.

File a formal complaint to your state’s insurance commissioner

If you are denied a claim or feel that your insurance company is acting in bad faith, you can file a formal complaint with your state’s insurance commissioner. You can file a formal complaint for denial of benefits, bad faith behaviour, or discrimination. In order to file a formal complaint with the state insurance commissioner, you first need to contact the company. If you don’t hear back from them within 10 to 30 business days, you can file your complaint with the state insurance commissioner.

#Insurance #insurance claims #home insurance #homeownersinsurance #insuranceclaimrejected #insuranceclaimsassessment

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thehomeownersadvocatepas · 2 years

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What's the difference between HO-1, HO-2, HO-3, HO-4, HO-5 and HO-6 policies? Nearly 75% of Homeowners Don’t Know Their Policy Coverage? #insuranceclaims #hurricaneclaims #hurricaneseason #insurancebrokers #homeownersinsurance #propertyinsurance #insurancebrokers #insuranceclaims #insuranceagency #floridainsurance #homeowners #homeownertips #claimsmanagement #stormdamage #homeownershipgoals #insuranceclaims #claims #insuranceagency #publicadjuster Here is a simple breakdown: HO-1: Basic form — this only covers you from 10 named perils. "Named-peril" means that your home and personal property are covered against losses that are expressly listed on your policy. Any loss that occurs outside of that list would not be covered by the policy. The 10 named perils are: • Fire or smoke / Explosions / Lightning • Hail and windstorms • Theft or Vandalism • Damage from vehicles or aircrafts • Riots and civil commotion • Volcanic eruption HO-2 — Designates a "broad form" homeowners insurance policy that provides insurance coverage on a "named-peril" basis. There are 16 covered perils on a broad form policy. They are: • Lightning or fire • Hail or windstorm • Damage caused by aircraft • Explosions • Riots or civil disturbances • Smoke damage • Damage caused by vehicles • Theft or Vandalism • Falling objects • Volcanic eruption • Damage from the weight of snow, ice, or sleet • Water damage from plumbing, heating, or AC overflow • Water heater cracking, tearing, and burning • Damage from electrical current • Pipe freezing HO-3 — Designates a "special form" homeowners insurance policy that provides insurance coverage for the structure of your home on an "open-peril" basis. "Open-peril" means that you are covered against all losses except those that are expressly excluded in your policy. It's important to note that your personal property is still covered on a "named-peril" basis with an HO-3 policy. This is the most common type of policy. HO-4 — Simply speaking, this policy type describes a renters insurance policy. Typically, with these policies, your liability and your personal property are covered up to the policy limits. This is an ideal policy for someone renting an apartment or house. HO-5 — Designates a "comprehensive form" homeowners insurance policy. This policy type covers both your home and personal property on an "open-peril" basis. This is the broadest form of home insurance available. Given the comprehensive levels of coverage, this isn't as common of a home insurance policy as an HO-2 or HO-3 policy but is highly encouraged if you have valuable belongings. HO-6 — Designates a condo insurance policy. These policies generally cover your personal property and the structure of your condo from the wall studs in. You should still consult with the agent quoting a policy for your home and ask about the specifics of how that policy would apply. BE PREPARED!! For a FREE Consultation:

www.TheHomeOwnersAdvocate.com

Nearly Three Out Of Four Homeowners Don’t Know Their Policy Coverage

claimspages.com • 1 min read

#insurance policy #insurance claims #claims #florida homeowners #hurricanes/typhoons #hail storm #insurance broker #property management #insurance #home improvement #general contractor

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surface29 · 2 years

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Quick Insurance Quotes vs. Best Insurance Quotes!USA ? [super latest v7.65]

Some of us will continue to pay the same insurance premium year after year, while others will check about for some quick insurance quotes, but not necessarily the best insurance quotes, and then choose the cheapest option without much thought. The mindset here is that there isn’t much difference in the Insurance Quotes market.

The reality of the automobile insurance business tells us otherwise! There is a significant difference in car insurance comparison quotes, with premiums ranging from hundreds of dollars to thousands of dollars, and while getting quick insurance quotes for our car, we should be careful to get enough comparative quotes to get not just the cheapest, but the best insurance quotes.

You’ll need some basic computer skills and up to 50 quotations to compare to acquire the best insurance rates for the current year. Unfortunately, the adventure does not end there because insurance firms require your personal information and the completion of a form for each company before they would provide information about their best auto insurance quotes.

All auto insurance companies have a strong interest in obtaining your information, and they will keep it on file in order to make repeated offers in the future, so don’t be surprised if you give out your information to insurance companies and they regard you as a lifetime target.

Of course, you may opt out of the continual email assault by unsubscribing, but many people fail to do so, and the unsubscribe links on emails are frequently hidden, despite the fact that they are required by law to be visible.

In most circumstances, you will be required to provide information ranging from traffic offenses to your age and gender. They’ll want to know where your automobile is parked, whether it’s under lock and key or on the street, as well as its estimated commercial value. Give them your information, and they’ll give you their best insurance premium. Keep copies of the first application so you may simply repeat the process with additional insurance companies.

It’s also crucial to investigate the reliability of various businesses. You may believe you have the best insurance rate with an offer that meets all of your requirements and is priced reasonably, giving you the finest deal available. However, anecdotal evidence and online reviews may indicate that the firm you’ve chosen is untrustworthy and will give you the runaround with the fine print, making it difficult to file a claim if the need arises. So acquiring the best insurance rates also entails avoiding the insurance industry’s pitfalls.

Allow a day of intensive browsing and form filling as you begin your quest for the finest vehicle insurance rates. Get at least 50 quotations. While this will be a nuisance today, you will save time and money in the long run by getting the best. If your automobile is ever damaged or stolen, insurance quotes will mean more money in your pocket and honest insurance for your vehicle.

Each year, you must insure your vehicle, and you have spent a significant amount of money over the last ten years or so. Getting the greatest insurance quotes each year will benefit you both financially and in terms of protection.

#auto insurance #car insurance #health care #health insurance #vehicle insurance #insurance plans #insurance claims #insurance companies #insurance products #insurance provider #insurance premium #insurance payout #insurance

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bzalma · 2 years

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COVID Claims Continue to Fail

Posted on August 16, 2022 by Barry Zalma

No BI Insurance No Inverse Condemnation

Golden Corral Corporation and Golden Corral Franchising Systems, Inc. (hereinafter referred to collectively as “Golden Corral”), appealed the district court’s order granting Illinois Union Insurance Company’s motion for judgment on the pleadings in Golden Corral’s action seeking insurance benefits for business losses Golden Corral incurred during the COVID-19 pandemic.

In Golden Corral Corp.; Golden Corral Franchising Systems Inc. v. Illinois Union Insurance Company, No. 21-2119, United States Court of Appeals, Fourth Circuit (August 11, 2022) the Fourth Circuit affirmed the district court’s order applying Uncork &Create LLC v. Cincinnati Ins. Co., 27 F.4th 926, 933-34 (4th Cir. 2022) that held that an insurance “policy’s coverage for business income loss and other expenses did not apply to plaintiff’s claim for financial losses caused by the COVID-19 pandemic in the absence of any material destruction or material harm to its covered premises and further observing that our holding is consistent with the unanimous decisions by our sister circuits, which have applied various states’ laws to similar insurance claims and policy provisions.

The Fourth Circuit dispensed with oral argument because the facts and legal contentions are adequately presented in the materials before this court and argument would not aid the decisional process.

ZALMA OPINION

It seems plaintiffs and their lawyers refuse to read the opinions of every federal circuit and almost every state trial and appellate court that Covid-19 does not cause direct physical damage to the property of the insured which eliminates the possibility of collecting for business interruption. Some creative lawyers have tried inverse condemnation by the state for closing down businesses as a Fifth Amendment taking. One court said: “

The Supreme Court of Pennsylvania, however, has found the Governor’s executive orders to be valid uses of police power and not a taking under the exercise of eminent domain power. Friends of Danny DeVito v. Wolf, 227 A.3d 872, 896 (Pa.), cert. denied, ––– U.S. ––––, 141 S. Ct. 239, 208 L. Ed. 2d 17 (2020).” [1600 Walnut Corp. v. Cole Haan Co., 530 F.Supp.3d 555 (E.D. Pa. 2021)]

Barry Zalma, Esq., CFE, now limits his practice to service as an insurance consultant specializing in insurance coverage, insurance claims handling, insurance bad faith and insurance fraud almost equally for insurers and policyholders. He practiced law in California for more than 44 years as an insurance coverage and claims handling lawyer and more than 54 years in the insurance business. He is available at http://www.zalma.com and [email protected] and receive videos limited to subscribers of Excellence in Claims Handling at locals.com

https://zalmaoninsurance.locals.com/subscribe.Subscribe to Excellence in Claims Handling at https://barryzalma.substack.com/welcome.Write to Mr. Zalma at [email protected]; http://www.zalma.com; http://zalma.com/blog; daily articles are published at https://zalma.substack.com. Go to the podcast Zalma On Insurance at https://anchor.fm/barry-zalma; Follow Mr. Zalma on Twitter at https://twitter.com/bzalma; Go to Barry Zalma videos at Rumble.com at https://rumble.com/c/c-262921; Go to Barry Zalma on YouTube- https://www.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg; Go to the Insurance Claims Library – https://zalma.com/blog/insurance-claims-library/

#insurance #claims #insurance claims #video #COVID #business interruption #inverse condemnation #direct physical loss #insurance books #amazon.com

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