Deputy Travis Junior said:

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Hawg, are you trying to tell us that the "mass theft and vandalism is fine, those places have insurance!" line is not actually true??

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Well, that is a different subject altogether.

Usaa is pulling out of the state for new business for certain members.

Lots of areas of Florida have no private insurance option due to hurricanes. The state has a state managed insurance pool for those.

This could simply be the wildfire risks are too much for some companies, and independent of the states politics.

California in dry summers is a tinder box, just dried out straw and and bushes, brown everywhere. After seeing the state in a dry period, the wildfires aren't a surprise.

Triple S said:

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From an actual insurance professional…


Here is what is driving this.

1. Average house in CA was built in 1950's……. Asbestos, lead paint mandatory testing adding 5-10 K per claim……

2. Not Fire, but Soot, Char, Ash claims………. People are lining up to claim their Soot Char Ash claim from a 3 year old fire. These claims are for nothing more than to clean the house. The industry has driven up the cost of this service to 20-30kin some cases. Mind you, MANY of these houses were 5-10-15 miles away from any fire, but if a claim is filed, it has to be reviewed. Public Adjusters are making a killing on this. Of note, a prominent PA in CA just lost his license in the LA area……. But these claims are really hurting the industry and it is being marketed as "file a claim so you can get your money". CustomerS RARELY do any cleaning.

3. Auto costs. Body shops are not in the business to repair anything, They are in the "replacement" business. Lots of restriction of BS's in CA and they try to offset their emissions output and restrictions by up charging the industry. Also, lots of aluminum that limits repair as well. Ford has so much aluminum in their trucks that it drives up repair costs, and the industry was behind from the beginning. (This isn't a CA thing, it's a industry thing)

4. Most people don't know this, but FL is next. FL is horrible. Insurance practices there are costing the industry immensely. PA,s and Attorneys have FL on the verge of an industry collapse. ( BTW - If I were Trump, that is how I would attack Desantis). Simple roof claims that are 15-20K in other states are 60-80k in FL due to how the state allows vendors and PA's to ruin the industry…….there have been a few rule changes, but in 180 days, you'll here the same industry changes in FL.

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There was a discussion on the FL insurances in a thread a while back, and like you said, two of the biggest drivers of the insurance collapse in FL is the roofing scams and lawyers suing the insurance companies. There were changes implemented a while back trying to address this very problems, but its not something that's going to be turned around quickly (assuming it does).

TexasAggie73 said:

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Good comments. Plus with all the plastic and sensors in cars, it easier to replace than repair. It also seems that with even minor front end damage , they will just total the car

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I had an issue with a sensor on my last Jeep. It was a CHEAP part. But, it was covered under warranty and the dealer told me the guidance from corporate was to replace the entire rear differential rather than opening it and replacing the sensor. Seemed like overkill to me. But, I'll take the free ***** They wouldn't bump me up to 5.13s though...

Sea Speed said:

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Yall tbink this only hits blue states, but Liere insuramce, a sponsor on this site, has had all but 1 of their policy providers pull out of the market in League City for rental homes. The only one that will wrote the policy has gone up quote a bit as well. This home has never had a claim and has never flooded. Generic 3/2 in south shore development. Insurance is BRUTAL right now.

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Correct

Fed nat left
Wellington frozen
Upc under
Lighthouse under
Home owners of America close
Velocity frozen
Allied trust I believe are frozen
Geo Vera left
Swyfft went surplus

I rep almost all those companies or did
It's a disaster

Cat MIT re insurance
Is terrible

Capacity is a mess
Farmers max right now is a 750k house
That's a 3250 square feet house fir replacement

Wind_ roof claims have been abused
Old roofs claiming wind or Hail damage that were not designed for that

Dallas, that area gets hail

Houston hail is nothing.

Not good. We want people to stay

YouBet said:

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We are unable to get flood insurance for our house on the Texas coast unless we get it through the government. No agency will provide it. Many down there just don't carry any.

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That's nothing new. It's been that way in first tier counties in Texas for at least the last 40 plus years. Same with windstorm coverage.

Rattler12 said:

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YouBet said:

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We are unable to get flood insurance for our house on the Texas coast unless we get it through the government. No agency will provide it. Many down there just don't carry any.

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That's nothing new. It's been that way in first tier counties in Texas for at least the last 40 plus years. Same with windstorm coverage.

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I know. I was just sharing for those that thought this was not happening here.

I need a quote on aforementioned rental property in houston area. Are you an agent in this area and want to get me a quote?

This seems like a big deal. Those with insight... Is it?

Fewer insurers seems to imply higher insurance policy premiums.

California earned it. Next should be Oregon.

annie88 said:

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But yet Gavin Newsom's doing awesome and so are all the democratically run cities. Everything is just cream and and chocolate under the Democrats. It's the mean all Republicans that will end your life.

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I live out on the left coast.

SF is the worst it has ever been.
I will only go to the city for daytime ball games. And afterwards I promptly gtfo

Even just 3 years ago it was better. It is past the point of no return I'm afraid

It will continue to be a city that enables homelessness, rampant drug use, and crime

aggie93 said:

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Good, the rest of the country should not have to pay for Leftist insanity. If California wants to make it impossibly expensive to do business there then they can enjoy that all they want but no reason the rest of us should subsidize them.

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mjschiller said:

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California earned it. Next should be Oregon.

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+ every red county, Dallas, Bexar, Harris, Travis, et al, looking at you.

aggie93 said:

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Good, the rest of the country should not have to pay for Leftist insanity. If California wants to make it impossibly expensive to do business there then they can enjoy that all they want but no reason the rest of us should subsidize them.

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Same thing should be said about vacation homes in the gulf coast. Bolivar is covered in Palacial mansions that we pay for regularly

45-70Ag said:

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I hope climate change or what they blame on climate change totally and completely destroys that state in every way possible.

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I have seen some recent videos of climate change robbing stores and shooting up in public.

Aggie97 said:

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State Farm did this in Texas on the coast. They for a time did not write new homeowners in counties on the coast.

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They did it in Tarrant County in the '90s after a couple rounds of severe hail storms. F'em.

YouBet said:

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Not surprising.

Far left-wing policies tend to destroy economics.

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I didn't know wildfires and landslides were left-wing. Huh!, learn something new every day.

Opalka said:

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YouBet said:

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Not surprising.

Far left-wing policies tend to destroy economics.

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I didn't know wildfires and landslides were left-wing. Huh!, learn something new every day.

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Both are true.

Opalka said:

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YouBet said:

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Not surprising.

Far left-wing policies tend to destroy economics.

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I didn't know wildfires and landslides were left-wing. Huh!, learn something new every day.

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Some of California's fires are the result of policy choices. They prohibited brush clearing recommended in most states at the request of the greens. Much more difficult to prevent and control fires in forest areas now.

We need a competitive insurance option provided by the US government /libs

Logos Stick said:

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We need a competitive insurance option provided by the US government /libs

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Well, as has been previously pointed out in this thread, each state already has an amount of pricing control over companies operating in their state. For better or worse.

Logos Stick said:

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We need a competitive insurance option provided by the US government /libs

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Isn't that basically what's happening in Florida?

Triple S said:

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From an actual insurance professional…


Here is what is driving this.

1. Average house in CA was built in 1950's……. Asbestos, lead paint mandatory testing adding 5-10 K per claim……

2. Not Fire, but Soot, Char, Ash claims………. People are lining up to claim their Soot Char Ash claim from a 3 year old fire. These claims are for nothing more than to clean the house. The industry has driven up the cost of this service to 20-30kin some cases. Mind you, MANY of these houses were 5-10-15 miles away from any fire, but if a claim is filed, it has to be reviewed. Public Adjusters are making a killing on this. Of note, a prominent PA in CA just lost his license in the LA area……. But these claims are really hurting the industry and it is being marketed as "file a claim so you can get your money". CustomerS RARELY do any cleaning.

3. Auto costs. Body shops are not in the business to repair anything, They are in the "replacement" business. Lots of restriction of BS's in CA and they try to offset their emissions output and restrictions by up charging the industry. Also, lots of aluminum that limits repair as well. Ford has so much aluminum in their trucks that it drives up repair costs, and the industry was behind from the beginning. (This isn't a CA thing, it's a industry thing)

4. Most people don't know this, but FL is next. FL is horrible. Insurance practices there are costing the industry immensely. PA,s and Attorneys have FL on the verge of an industry collapse. ( BTW - If I were Trump, that is how I would attack Desantis). Simple roof claims that are 15-20K in other states are 60-80k in FL due to how the state allows vendors and PA's to ruin the industry…….there have been a few rule changes, but in 180 days, you'll here the same industry changes in FL.

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Those soot and ash claims sound very familiar to the Texas mold and mildew claims in the roughly 2001 to 2003 time period. That nearly killed the homeowners insurance market in the state, we were on the verge of looking like Florida. State Farm stopped writing all new Fire business at that time and an inordinate number of insurers pulled out of the market entirely, most never returned.

I will say I've never understood the roof business on insurance claims. The level of shadiness in that particular sector seems out of control. We had to have a roof replaced once from a massive hailstorm and I never understood any of the math behind it. I finally gave up and just went with it.

Our home insurance doubled this year. Not SF but the agent said everybody went up.

Neighbor took an SF policy and they dropped it after a year. Evidently didn't want the house anymore, asked for a bunch of unreasonable things. Neighbor is now back with a Texas insurance co.

Not even Jake from State Farm and his khakis like you, California

aggie93 said:

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Good, the rest of the country should not have to pay for Leftist insanity. If California wants to make it impossibly expensive to do business there then they can enjoy that all they want but no reason the rest of us should subsidize them.

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Like many insurance companies, State Farm's Fire companies are siloed to contain losses on a regional basis and to make large companies more nimble when it comes to these efforts. Texas, California, and Florida are prime examples. In these three states, State Farm's companies are separate from the remainder of the nation and their losses aren't subsidized by the rest of the country. If they decide to stay in Cali and that Fire Company needs funds, it will be set up as a loan agreement between Mother Mutual and Cali State Farm, and must be paid back with interest.

Manhattan said:

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Logos Stick said:

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We need a competitive insurance option provided by the US government /libs

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Isn't that basically what's happening in Florida?

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No.


Why do people think this? It won't happen until 2-3 big Carriers do something drastic. Again, if I was going to attack Desantis, THIS is where you hit him hard.

YouBet said:

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We are unable to get flood insurance for our house on the Texas coast unless we get it through the government. No agency will provide it. Many down there just don't carry any.

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Only the federal government offers flood insurance. Private carriers service the flood insurance as part of your homeowners, but they are not providing it.

Fun fact, FEMA is redrawing the flood zones. They've been dragging their ass on releasing them as most of thr Harris County 500yr is expected to become the 100yr.

Fun fact. They're raising rates in the 100yr to help cover national losses.

Extra fun fact, if you have a mortgage and are in the 100yr, your lender will require you to carry flood insurance. A whole lot of people are going to get a surprise extra bill when these plans are approved.

Sea Speed said:

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I need a quote on aforementioned rental property in houston area. Are you an agent in this area and want to get me a quote?

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I'm in DFW and write business all around Texas. If you want to DM me, I'd be happy to get you a quote on that rental.

Logos Stick said:

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We need a competitive insurance option provided by the US government /libs

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There are government options in Texas and Florida. They are state sponsored and used to take all comers, now even they are limiting the amount of business they'll write and have taken huge price increases over the years. When it comes to coverage, the Texas state sponsored insurance policy is exactly what you should expect, an absolute pile of garbage.

Gigem314 said:

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Not even Jake from State Farm and his khakis like you, California

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This is happening in Colorado also. A huge part of colorado has to do with wildfires. Estate is working on a state option at this time.