Bee Farmer wrote:
++++ What Ron said on Red Cross and I'll throw FEMA in there. They extract $1500 a year from me for flood insurance. Started out I wasn't in a flood zone two years later I was and it cost me $500 for a survey for the elevation certificate and $500 year for FEMA flood insurance. A few years later it went to $1000 a year. Several years later I stopped paying FEMA and told them to prove I was in a flood zone. Well they would'nt but my local insurance agent was trying to help and discovered I had not be in a flood zone for two years. So FEMA cheated me out of several thousands dollars for failing to disclose I wasn't in a flood zone. Well the next year they conveniently discovered I was in a flood zone and upped the insurance to $1500 a year! I'm looking for a way to pay my house off early to get out from under FEMA. And the crazy thing is I can buy a policy from an independent agent equal to FEMA coverage for $375 a year. They're all crooks!!!!
That is front pocket money compared to what lots of Florida homeowners have spent since a few politicians got paid under the table and the powers that be separated Florida from the other 49 states about a dozen years ago. (State Farm of Florida, Allstate Floridian, Citizens etc)
The few remaining insurance companies available
my windstorm rates because they were no longer sharing risk with the other 49 states. Did not matter that we helped pay for floods, wildfires, ice storms, earthquakes, tornadoes etc those other states had in the past.
Noah would have to build another ark for my elevation to flood. By the way the crow flies my proximity to a bay is too close. Those pinheads figure out how much the market will bear for windstorm insurance and bill you accordingly.
Since that time this has personally cost me way more money than I could have used to easily pay cash for a new Indian or one of the new touring Yamahas we have been reading about in the last few months.
Yes I have shopped around for multiple years from multiple companies and the homeowners insurance prices go way up from where I am at now