tag:blogger.com,1999:blog-8586513.post110513326911875403..comments2024-03-03T22:01:12.376-06:00Comments on Pensacola Beach Blog: Parsing of the Peril Beach Bloggerhttp://www.blogger.com/profile/16153908891922140526noreply@blogger.comBlogger2125tag:blogger.com,1999:blog-8586513.post-1111307571615690362005-03-20T02:32:00.000-06:002005-03-20T02:32:00.000-06:00George Kehrer and his organization CARe (Community...George Kehrer and his organization CARe (Community Assisting Recovery) www.carehelp.org really saved our rear when our house was lost to the California wildfires in 2003. We've learned a lot and would love to help any other disaster survivors who have questions about the recovery process.<BR/>www.oldfirerecoverygroup.orgAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-8586513.post-1105204426498273412005-01-08T11:13:00.000-06:002005-01-08T11:13:00.000-06:00No insurance company sells hurricane insurance. Th...No insurance company sells hurricane insurance. They sell insurance for your home, your building or your tenancy in a building.<br /><br />These policies are essentially all the same (the differences would fill many pages) in that they do insure for damage from wind, flying debris and water damage if the building is torn open by wind or flying debris.<br /><br />None of them cover flood. No company can afford to cover flood, that is why the federal government has the NFIP. <br /><br />That is why the insurance companies must draw a line between the flood damage and the wind damage. Sometimes it can be clear and sometimes not, so obtaining a fair evaluation is difficult. Did the adjuster make the decision or did they bring in an expert, like an engineer or construction specialist?<br /><br />If you want to demand that the State create a "hurricane" policy, be prepared to not be able to afford it. You are already going to be looking at higher premiums and higher deductibles as it is. The debacle of Citizens highlights the folly of having the government create an insurance program.Anonymousnoreply@blogger.com