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TAKE ADVANTAGE OF AIUA PREMIUM REDUCTIONS
In May, ago Gov. Bentley announced
that the AIUA would be offering policies to homeowners with reductions from 15 - 27%,
also deductions at 1, 2, 5, or 10% of house value. Policies will be Replacement value.
This will be automatic for current AIUA policies that are in good repair.
This new wind policy will also be available to all other homeowners -
just ask your agent to get you a quote and compare the coverages or call AIUA (251) 943-4029.
Thanks to all the hard work of hundreds of volunteers, Gov. Bentley,
our elected officials, our DOI, the AIUA and Ecumenical Ministries!!
Governor announces insurance changes for coastal homeowners
During the gubernatorial campaign ahead of the 2010 statewide
election, HHII invited then candidate Robert Bentley to
come and discuss the “skyrocketing” homeowners insurance rates for Coastal Alabama residents.
Gov. Bentley recalled the meeing
in his announcement on Wednesday, May 18,
2016 at Five Rivers Delta Resource Center,
saying “They were kind enough to sit down with me at the coffee
shop, and we met a few times after that. We
talked about this problem that affects so many people who cannot
afford their homes sometimes because their homeowners insurance
is so high.
Read MOU between the Alabama Department of Insurance and the Alabama Insurance Underwriters Association (AIUA)
Fact Sheet on property insurance in Alabama’s Coastal Counties
Click the link to read the full
Lagniappe report of Gov. Bentley's announcement
MULTI-STATE SOLUTION GAINS BROAD SUPPORT
The Homeowners' Hurricane Insurance Initiative
(HHII) has been working very hard to bring
together a small group of experts to examine
all the facts associated with high wind
insurance premiums and on March 31, 2016,
technical experts from seven Gulf and Atlantic
State Departments of Insurance and/or wind
pools participated in a day-long discussion
right before the National Association of
Insurance Commissioners gathering in New Orleans.
The meeting's purpose was to evaluate the pros and cons of several multi-state structures that
would collect and distribute catastrophe wind (maybe flood, and maybe multi-perils) premiums as a non-profit,
with the objective of minimizing the effects of the interaction of reinsurance and catastrophe models on consumers.
The following day (4/1/2016) the Gulf Coast/East Coast Coalition
(GCECC) met in Biloxi at the Steps Coalition to lay out a strategy connecting several layers of our communities - Churches, trade organizations (like realtors, homebuilders), chambers of commerce, banks, local-state-federal elected officials, regulators (DOI) and the insurance industry - where the end result will be that our federal level elected officials will feel the need to make the establishing of
a multi-state entity, (such as described starting on page19 of
the Coastal Insurance Work Group report recently
presented to Gov. Bentley), a reality.
has the vision to
give the needed muscle to do the heaviest lift imaginable – to
be the catalyst that will return insurance to its original
vocational calling in society – to be the source of resilience
after a catastrophe.
As an indication of the breadth of support for this approach,
the following entities were represented in these discussions: a Congressional and
a State legislative office Alliance Institute, the Alabama DOI, BISCO, StopFEMAnow, NC-20, United Policyholders, Steps, and GCEC/HHII
Grassroots organisations from seven states participated in
person or by phone.
Charlie Angell (Al DOI) and Michelle Kurtz & Earl Janssen
(HHII) and deserve recognition and thanks for organizing and
facilitating these discussions.
to read Salient Points from technical experts meeting
read Biloxi grass roots meeting (4/1/2016) minutes. The insurance notes might get a bit dense.
A couple of key sentences are highlighted
in yellow -- significant statements from the consumer-grassroots perspective. They say, basically:-
Multi-state Merged Wind Pools can Morph into a National All-Catastrophic-Perils insurance entity. (Bye-bye BW?)
Properly done, Geographic spread of Risk and Multiple Perils offers policyholders the best prices and security.
LAGNIAPPE REPORTS ON COASTAL INSURANCE BILL
The March 31 edition of Lagniappe carries an informative article
on page 8 headed 'Coastal Insurance bill advancing in
Legislature'. Lagniappe is a notable exception to the general
lack of coverage given by the majority of local media.
HHII WELCOMES SPEAKING ENGAGEMENTS
HHII can fully inform your community or fraternal organization,
or church group, small or large, about what is happening with
homeowners' insurance. The presentation can be as short as
ten minutes or as long and in depth as you would like.
Call 251-928-3430 if you know of any who would be interested.
This toolkit includes links to detailed information to help answer questions about the changes coming to the NFIP.
ACT-II was developed by Baldwin County pastors in conjunction
with Ecumenical Ministries, Inc. Together we work on a wide variety of
problems in both poor and affluent communities around the county. Our
mission is to develop leaders and empower people to take democratic
action to improve the quality of life in our communities using our
dialogue to action church-based model and principles.
History of ACT-II.
This site is maintained for HHII by Colin Keleher, who is solely
responsible for its content. In general, posts with upper case headings
originate with HHII; posts with lower case headings are aggregated from
the cited sources. Please report errors and make suggestions to firstname.lastname@example.org