Information concerning Alabama Department of Insurance

General

HHII Related

Tornado outbreak:
April 28 storms 4th-largest in North Alabama history

Read May 24, 2014, article by Ben Benton in Chattanooga Times Free Press

The monetary damage was low because it hit in rural areas. But it puts the lie to AL DOI's Charlie Angel's insistence that the 2011 Tuscaloosa tornado outbreak was a 1-in-250 year event.  An extreme tornado outbreak -- maybe not as strong as 2011, but still extreme and rated fourth largest in area history -- happened only three years after the 2011 outbreak.

Posted 6/11/2014

AL DOI Deputy Commissioner Charles Angell's
Presentation to Wind Insurance Symposium 12/4/2013

Click on link to download PowerPoint presentation

Posted 1/28/2014

DOI Clarity Act Data

Posted 9/4/2013

Property Insurance Clarity Act

Posted 1/20/2013

COMMISSIONER RIDDLING BACKS OUT OF PANEL TO FIELD INSURANCE QUESTIONS

At the prompting of BISCO & HHII, America's WETLAND Foundation was planning to invite the Insurance Commissioners from Alabama, Louisiana and Mississippi to sit on a panel and respond to representative homeowner groups' insurance concerns at their final BLUE RIBBON RESILIENT COMMUNITIES Leadership Forum in New Orleans on May 29-30, 2012.

Initially, all three commissioners agreed to attend but, at the last minute, Commissioner Riddling had his second in command, Ragan Ingram, write an email for him:

"Sorry for the late notice, but due to an unavoidable conflict, he’s going to have to back out of the forum. Our deepest apologies. -- ragan"

And no one else in the Department -- Mr Angell or Mr Ingram -- could fill in for him.

Commissioner Riddling has managed to attend every AHIC meeting, or get someone from his office to do so, but somehow he can't figure out a way to KEEP A PROMISE to this multi-state group and their multi-state venue.

Does this look like a real effort on his part to get a multi-state strategy in motion?

Posted 5/26/2012

HOMEOWNERS RATE REVIEW OUTLINE

Draft description by Charles Angell, Al DOI

Posted 5/7/2011

About Jim Ridling & DOI Rate Setting

In a meeting in his office with 6 people from HHII two years ago almost to the day, Mr. Ridling compared Mobile and Baldwin counties to a defective product. In public meetings in Mobile and Baldwin counties, he has said, more than once, he can't do anything about our high premiums. 

He told one of the TV stations that he and DOI do not collect data in a way as to ascertain whether the exhorbitant difference charged the coastal counties for homeowners over the state average is justified. The state regulatory body does not have county-by-county data to compare the cost to repair the rest of the state after 550 tornadoes to our cost to repair after one hurricane.  Yet, based basically on hunches, he and his regulatory body permits the exorbitant inequity charged our area compared with the rest of the state. (Last reported state average is $850/ year, with normal deductibles). 

As Commissioner, Ridling testified to the legislature that he "saw no need" for the transparency bill.   Now that he has been reappointed by the new governor he will likely be unwilling to backtrack on that statement.

Also, let us not forget the experience with the Senate Banking and Insurance Committee last session.  The transparency bill died in that committee by several negative votes, which included nay votes by Sen. Harri Anne Smith and  Sen. Preuitt and testimony against it by lobbyists from the Fine-Geddie firm.  Sen Preuitt did not seek reelection and both he and Sen. Smith are under indictment in the Milton McGregor matter.  We do not know yet the makeup of the Senate Banking and Insurance Committee but hopefully they will be less under the influence of the insurance lobby this time around than they were the previous.

Revised 1/5/2011

HHII MEETS WITH AL DOI

Read report of 2/25/2013 meeting in Montgomery here.

Updated 4/28/2013

TIRED OF BEING DUMPED ON & PREMIUMS GOING UP?
Learn the Facts about Coastal Alabama’s
Homeowners’ Insurance Crisis

HHII has put together a slide presentation that presents evidence of the possible bias of the Dept. of Insurance against the southern counties, a review of the band-aid solutions that are being proposed, the real solution - The Clarity Bill - and a review of the Governor's Commission.  People are telling us that these slides are giving them information that they have not seen anywhere else.

Download this PowerPoint presentation to learn all the facts about coastal Alabama's homeowners' insurance crisis and the real solution that will fix this problem for good. 

YOU JUDGE THE EVIDENCE AND DECIDE IF GOVERNOR BENTLEY'S DEPT. OF INSURANCE IS DISCRIMINATING AGAINST US!!! Join us!

This is a large file and may take several minutes to download depending on the speed of your internet connection.  You will need Microsoft Office PowerPoint viewer installed on your computer to view it.

Revised 4/26/2012

ALABAM DEPARTMENT OF INSURANCE REBUTTAL
TO HHII'S POWERPOINT PRESENTATION

A local homeowner forwarded a copy of HHII's PowerPoint presentation (see post above) to the DOI.  Here is their response.  Read it and decide for yourself if it is an accurate and evidence supported response.

Posted 5/26/2012

ARE INSURANCE COMPANIES REALLY LOSING MONEY
IN COASTAL ALABAMA?

Normally HHII does not like to get into insurance company profits because we want the companies to be healthy and able to pay our claims.  Also, it gets crazy trying to figure out what numbers they are actually using.  Who cares how much money they make as long as premiums are just and fair and claims are promptly paid. But, ALDOI has sent out a slide presentation to all the commissioners that seems to imply that the Property/Casualty industry is about to go under.

A report written by Robert Hunter, who is well known in the insurance field having testified in Washington on the topic over 50 times, addresses the perception that the P/C insurance is a high risk business that is financially threatened by catastrophic weather events.

Please read through both these lengthy downloads and note the recommendations and principles at the end of Hunter's report.

Updated 9/10/2011

Department of Insurance Hearings  

Alabama law permits individuals who believe their homeowner insurance premiums have been unjustly increased to ask for a hearing before the Alabama Department of Insurance.
  
Carol Peterson has had her request for a hearing rejected by the DOI, despite what seems like a clear law requiring DOI to give her one. HHII delegates met with the Attorney General's office ten days ago regarding the rejection. They said their initial reading of the law suggested the DOI is in violation of it. They spelled out the steps Carol needed to follow to get the Attorney General's office involved.

HHII's Public Hearing Committee will meet Tuesday to fill out the forms needed for the Attorney General in order to get that ball rolling.  They will also be developing a list of others who will begin the process of asking for a hearing as well. They will help everyone begin the first step necessary to follow in Carol's footsteps.

HHII may not succeed initially in getting the department which has approved these high rates to reverse itself. But, that's not the point. The point is to focus public awareness on the fact that the DOI does not have its own independent, county-by-county data justifying the extraordinary difference in prices charged our widows and orphans. When a hearing is granted, Carol (and all the rest) will demand, first, theDOI's independent, county-by-county data.

This is one of several movements going on all at once, including the ongoing development of the Property Insurance Clarity Bill wich would require the DOI to collect this county-by-county data and make it public.

Posted 2/27/2011

This page last modified 8/5/2014