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With a heavy heart I post these pics. A lot of people lost their lives and my prayers are with them.
Vehicles are replaceable. All of these vehicles were fully submerged in ocean water from the storm surge. This is just a small amount of the devastation here in Southwest Florida.
Never understood how people leave their luxury cars in harms way during a hurricane. You have usually have at least a week's notice.
The uncertainty with the two trusted models originally placed the storm more likely to hit Tampa. By the time they evacuated Fort Myers many of the hotels were filled and they were given short notice. Some did leave but others thought it may even miss them. The result was clearly catastrophic. My heart goes out to anyone impacted by the storm. I am in Miami and no stranger to hurricanes.
But sure most of these owners had insurance to cover most, if not all of the cost? My sympathy is for those in Fla that had nothing to begin with, and now they have even less. Lots, and lots of Floridians living in destroyed trailers, with no insurance. Now what? People living on those barrier islands are living on borrowed time….to begin with.
But as tragic as this is….stuff like this is becoming the new norm. Either heed the warning and move somewhere less prone to flooding, or, eventually, pay the price.
Last edited by CodyBigdog; 10-03-2022 at 10:50 AM.
But sure most of these owners had insurance to cover most, if not all of the cost? My sympathy is for those in Fla that had nothing to begin with, and now they have even less. Lots, and lots of Floridians living in destroyed trailers, with no insurance. Now what?
But as tragic as this is….stuff like this is becoming the new norm. Either heed the warning and move somewhere less prone to flooding, or, eventually, pay the price.
Never understood how people leave their luxury cars in harms way during a hurricane. You have usually have at least a week's notice.
I assume you don't live in Florida? It is more important to secure your home and your families lives than a car. Also, think about it - how do 10,000's of people remove their cars from harms way in a hurry which was a 10ft+ storm surge. There are only limited high parking garages you can take them to and that assumes the parking garage building does not get damaged. Also, driving the car to distant location was not really possible either (and its low priority) ...from SE Florida all cities they could have quickly drive too also flooded. Finally, this storm developed between in the Caribbean Sea and not at the coast of Africa. Only the latter gives you a week to watch. If you live here you get a better appreciation how to manage Hurricane risk. Cars are just that - cars.
We got lucky were we live (East Coast of Florida) and even we have never seen the water levels of the coastal region that high since maybe 15 years.
If any industry tracts the data, the statistics about the likelihood of similar events happening again…it’s the insurance industry. Unless subsidized by the state of Florida, expect more insurance companies to either pull out of Florida, or significantly raise premiums. Everybody in Florida is going to feel some sort of pain from Ian.
Last edited by CodyBigdog; 10-03-2022 at 11:07 AM.
I assume you don't live in Florida? It is more important to secure your home and your families lives than a car. Also, think about it - how do 10,000's of people remove their cars from harms way in a hurry which was a 10ft+ storm surge. There are only limited high parking garages you can take them to and that assumes the parking garage building does not get damaged. Also, driving the car to distant location was not really possible either (and its low priority) ...from SE Florida all cities they could have quickly drive too also flooded. Finally, this storm developed between in the Caribbean Sea and not at the coast of Africa. Only the latter gives you a week to watch. If you live here you get a better appreciation how to manage Hurricane risk. Cars are just that - cars.
We got lucky were we live (East Coast of Florida) and even we have never seen the water levels of the coastal region that high since maybe 15 years.
it’s just laziness and being ill-prepared. Unfortunately this negligence costs me more on my insurance every year.
If any industry tracts the data, the statistics about the likelihood of similar events happening again…it’s the insurance industry. Unless subsidized by the state of Florida, expect more insurance companies to either pull out of Florida, or significantly raise premiums. Everybody in Florida is going to feel some sort of pain from Ian.
Unfortunately very true. It was bad before for house insurances with many carriers pulling out or declare bankrupt...only to get worse I suppose.
Unfortunately very true. It was bad before for house insurances with many carriers pulling out or declare bankrupt...only to get worse I suppose.
One reason my brother in law and sister moved out of state. They had resided in the Tampa and Clearwater areas for nearly 25 years.
What he really complained most about was his insurance company attaching such conditions/waivers that wind speed had to be over a certain speed for X amount of time before they covered things like their roof and/ or screen enclosure around their pool. He said on several occasions, his claims were denied because the wind speed was not between the allowed min and max value for some period of time, etc…that was during a strong thunderstorm (not even a hurricane or tornado). Anyway, that’s what he told me, and finally got sick of the insurance games….so he moved to another state.As a commercial pilot, he could live almost anywhere and money was never the issue.
Last edited by CodyBigdog; 10-03-2022 at 04:32 PM.
One reason my brother in law and sister moved out of state. They had resided in the Tampa and Clearwater areas for nearly 25 years.
What he really complained most about was his insurance company attaching such conditions/waivers that wind speed had to be over a certain speed for X amount of time before they covered things like their roof and/ or screen enclosure around their pool. He said on several occasions, his claims were denied because the wind speed was not between the allowed min and max value for some period of time, etc…that was during a strong thunderstorm (not even a hurricane or tornado). Anyway, that’s what he told me, and finally got sick of the insurance games….so he moved to another state.As a commercial pilot, he could live almost anywhere and money was never the issue.
I have not seen that requirement yet. Typically, when its a named storm and NOAA declares you are in the affected area the Hurricane clause kicks in. Normally, it is much cheaper (much lower deductible) when you are not in the Hurricane clause...like a random Tornado, believe it or not.
Also, then there is the issue that they determine if it was wind damage (Hurricane clause) or water (Flood damage). Latter can bite a lot of people for Ian. Many are not in a dedicated flood zone and likely don't carry flood insurance. I am living direct on the water and despite not in a flood zone I always buy Flood Insurance to protect my property value.
Insurances also have been affected by tons of insurance fraud. 1000's of homeowners got roof replacement after a rare Hail Storm 2 years ago or so. Adjusters and contractors alike took advantage and "claimed" sufficient Hail damage so that roofs got replaced by Insurances. I had 3 people get on my roof and telling me if I want I can get a free, new roof - just say the word - despite them also telling me my roof is technically fine.
PS: Latest twist is that now insurances deny coverage if you don't have a roof 17 years or so or newer...independent what type of roof you have and if it has any issues (like tile roofs typically last much longer).
10-03-2022, 06:35 AM
Hurricane Ian
