Pray for our Florida FABO friends

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Here's a few pics up close and personal.

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Good Luck there Al, I am sure you are moving things along.

Good News: They are making Super Progress over on the Sanibel Causeway, they are already driving over one of the repaired washouts with the big trucks bringing in more fill materials.

They are going Gang Busters just like they way they fixed the Pine Island Road repair.
 
We have water but no power here on Pine Island. Only 1 way on or off by road,Can't get on or off the Island, because they are letting everyone and the brother on . The officials have no Idea how to run a disaster. Ya ,we need the electrical repair guys, trash pickup (non existant) we don't need the looky-loo's the tow trucks, insurance adjusters for the snow birds that don't live here full time. So many people getting to come in you can't get ro town to get anything.

Rant over for now.
 
@gzig5 sorry to here your house got damaged. Our house made it through structurally with flying colors, but the 4+ft storm surge wiped out most all we had here.
 
I agree the on lookers ought not be allowed to come on the island, it is bad enough to have ti deal with problems you have. I feel for you and wish I could help, Joe
 
What brand?

Are you able to get deliveries at your house?
 
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More Good News:

Ron Desantis talks temporary repair at Sanibel Causeway is completed enough to allow Utilities Trucks and Vehicles to drive in to Sanibel Island, to get working on repairs to the island infrastructure.

Road repairs will continue to get the road ready for residential traffic finished up by estimated 10.20.22 completion date.

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Trucks traveling on the Sanibel Causeway right now.

Minor miracle getting that road back together that quick.
 
Hey Al,

Any new updates.

Still need to know what brand of beer!
 
I have family in Florida. I have all in prayer. Home owners insurance is going up 30%- 80%, deductible is suppose to go up to $7,500. It's looking like Florida won't be the place to go for retirement. I wouldn't live near the ocean regardless and I think that everyone knows why
 
Our insurance has tripled in the last 8 years here. We could not afford flood . Needless to say ,they aren't going to help us any .
FEMA isn't much better.
 
Sorry to hear that, Al.
Is FEMA going to come thru for ya?

Just paid $688 for Flood insurance.
Homeowners, Keep getting dropped and now with last resort State 'sponsored' Citizens.

Fixed income, inflation and insurance is a killer.
 
Fema is a joke or at least they were in 1998 when the F-5 tornado wiped me out. Never got a dime from them, although they were all over the news. I don't know anyone that got any, Joe
 
RAT ROD AL said:
Our insurance has tripled in the last 8 years here. We could not afford flood . Needless to say ,they aren't going to help us any .
FEMA isn't much better.
Click to expand...
The problem with insurance and all this devastation by hurricanes in Florida is because of the way homes are built. I grew up in Puerto Rico and lived in Florida for over 20 years. In the most of the Caribbean homes are built out of steel reinforced cement, including the roof. I lived through a bunch of Hurricanes in Puerto Rico, and when the hurricanes came, it was literally party time. You would get at least 3 days off work, paid of course, and if it hit hard it could be a week. People would fire up the barbecue and get drunk as the hurricanes came in, and then go inside the house, wait it out, and then clean up outside and get the barbecue back up and running and get more drunk. The issue there was the electric grid and the water. The utility company there sucks and you could end up without electricity for a month or more, and without water for a couple of weeks or more, but your home and your possessions were fine, unless you lived in flood areas. If you lived in a flood area, and the pumps went out, which they did as nothing is maintained there, then your personal possessions could be screwed. Most people had no homeowners insurance, I never had homeowners insurance, and no one was concerned about it. Unless you were really poor and lived in a wooden home, or a home with a wood roof, hurricanes were no big deal. At least they were never a big deal to me.
Now, Florida was a different story. If you got a Cat 3 or anything over that, and it hit you straight on, you were screwed, especially in any home built before Andrew, which was 1992. Homes in Florida, especially older ones were a joke. I had two different 2 story homes, one in Davie and one in Miami Lakes, and in both of them the first floor was CBS block, but the whole of the 2nd floor and the roof was wood, yes the second floor walls and floor were wood... The big bad wolf could have blown on those houses and the second floor and roof would have collapsed. I remember going through hurricane Charley in 2004 in the Miami Lakes house. That Hurricane came in through the west side of the state, north of Fort Myers as a Cat 3. The eye was at least 125-150 miles from us, so we mostly got a lot of rain and maybe Cat 1 force wind gusts. I can tell you that when those gusts came in the whole top of the house shook like if we were in an earthquake. My wife and her daughter were sleeping when it hit the other side of the state and I immediately woke them up and took them downstairs. We had some roof tiles fly off the home, so we had to do some repairs to the roof, and this was with Cat 1 force winds gusts. If that hurricane had hit us straight on, I can assure you that the second floor would have crumbled. That is how bad that house was, and this was not a cheap home in a cheap neighborhood. I sold that house if 2006 for $460,000...
Cement homes cost more that wood ones, but in Florida they should be mandatory for all new construction. If this had happened in 1992 after Andrew struck, there would not be this issue with insurance, unless you owned an older home. If you go to Google and look up how much more it costs to build a cement home that a wood home, it states about 10-20% more. Lets say its 20% more. If your home with CBS block and a wood roof costs $300,000 to build on your lot, and it would cost $360,000 in concrete with a concrete roof, then it is money well spent. If you pay cash for the house you can basically not have insurance, or just get insurance with no wind, which would be really cheap. I don't know where you would be at if you had to have a mortgage, but you should be able to find an insurer that would insure you for cheap as the home would not be affected by hurricanes.
 
Ins on my 2000 sq/ft house went up from $1300 to $3450 this year and that bill came out six months ago.

I increased my deductible from $2500 to 5500 and that saved $300.

I've heard a LOT about old roofs causing policies to increase dramatically...

My roof is 9 years old but in good shape.

Curiously, my agent ran the policy with a new roof and it was only $200 less.

The only other option I had to reduce the cost was to increase the specific hurricane deductible from $7K to 13.5K, which would have only saved another $200.

I opted not to do that.


All insurance is a calculated risk. My goal is to never file a claim with the possible exception of catastrophic damage such as a hurricane.
 
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