Oh please. It is simple risk adjustment. Everyone is a capitalist until it bites them.

Insurance companies are run to make profit. It is called Capitalism. Florida like California has been hit with much property damage over the years . California was first by earthquake, the drought which caused fires then heavy rain which caused landslides . Florida is having its turn by storm damage . Also residents and construction companies worked together to put in many false claims in Florida. The Florida government allowed the construction companies to take insurance companies to court and the insurance companies folded.

So true. I'm sure many people do not know the root of the problem.

Uhm not donations, bribes they be straight bribes 💔😭

BINGO!!!!

You are correct !!! so don't look for any help at all from Ron DeSantis and Ron better not look for any votes from this girl if he doesn't

We need to vote out Desantis!DeSantis! He's also banning away our freedom.

Did you vote for Biden? If you did and don't regret it, you have ZERO credibility.

I called good ole FPL I asked what was the difference between Base Charge and Minimum base bill charge ? Since I had zero usage ( long story ).....anywho, I was told it was to bring it up to 25.00 per customer fee, so Every Floridan will pay 25.00 to have that power in your name......can you imagine. Then I did some snooping and you can Google this yourselves ,not only do the FPSC regulates the power but, natural gas , water, and waste water industries in the entire state along with some telecommunications !!! Now I know why when one goes up they all go up..... friggin jerks.....In 2021 they made 620 million in profits and 2022 they made 763 million in profits . I'm all for people making money but not like this, this is wrong. Pay your bills and not eat or eat not pay bills 🤔

​@@elizabethezell8749thanks for your service to our great state of Florida Desastris get out of Florida

What do politicians have to do with private business?

@@dcg590 They take donations for their campaigns. Much of it is done through Dark Money by non-profits who are run by businesses so they don't have to disclose their actual donation totals.

@@TimothyCHenderson Yup, I ran a marketing agency for awhile and we did work for various nonprofits. They all have horrible communication skills. They're all staffed with incompetent diversity hires who do the bare minimum work for bare minimum pay. Their turnover rates are always stupidly high. It was only when I noticed their complete lack of standards that I began to question how it all worked. Turns out they just needed to spend dollars on marketing to meet budget laws, which can only mean they werent concerned about the message or the cost. I eventually looked up one of the CEOs and found her entire IG feed loaded with images of her on vacations in spain, italy, france, bahamas, etc. Then I found out that her nonprofit applied exactly the legal bare minimum of their donations to their supposed cause. Then I found out that find that very CEO was also engaged to a city councilman here in CLE. This was a Black Woman Owned nonprofit that was supposed to help innercity black folks. Turns out it was just a money-making scam that recycled grants back into the pockets of politicians, nothing more.

My insurance went up 100%, not likely to get help from dirty corrupt Republicans in state house. I'll remember those d- bags on election day😢.

No claims made, either....

It’s the assignment of benefits and roofing companies that caused this. Not the storms! Roofing companies are sue ing insurance companies on behalf of the home owner. Florida represents 80% of the USA lawsuits to insurance companies 😳

Is this an area east of I95 ?

The property is being sold by the cities to the investors to build townhomes to sell to the border crossers which can bring in more money. The American citizens are not going to buy them because we know they are over priced and shabby built you can sweep them down 😩😩

@@bonnyedaise9465 Escambia County, extreme opposite side of the state

Make it a park, a "national recreation resource".

👍

Insurance is theft. Execs rake in millions.

Thank the lawyers for that!

The price for balling out of control

I read this morning that Citizens is letting 25,000 people go, they can not take care of the masses.6/8/23 and Ron DaSantis ( sp) is not helping us at all

@@kevinjohnson3521 And the politicians

Damn!

r u going to pay it or sell and move out of florida

Wow, that is insane.

@@minimaxmiaandme.4971 all countries will make utilities/insurance/taxes so high that pple cannot afford to own their own homes/property any more, which is their goal. then ONE person will appear as a world leader (nwo/nwl) aka the antichrist and will let u stay in your house have your stuff n money IF you take his mark in your right hand. Rev. 13:16...as predicted...

I would be moving out of Florida faster than Fast...Problem solved.

Those rednecks don't even know what woke means. They just know it's related to black people.

So true. I got an 80% increase this year for a house 50 miles inland on a non-flooding area. Disgusting

Go woke...go broke

Yes there needs to be bills introduced forbidding government money to be used to rebuild in areas generally affected by severe weather! If you keep giving the doofkoofs money, they will keep on rebuilding in the same area instead of moving😪

Even if you have insurance they find ways not to pay for damage.

@@JanelleGodwin-zl8li areas like California as well.

@@chodkowski01 - sure include California. Only for first rebuild. Then you are on your own. Good luck getting a loan in Florida. We have rebuilt Florida 4 times in the last 20 years. Now what were you saying. NOTE: CA is about three times the size of Florida. Now what were you saying that your conservative news source feed you.

@@JanelleGodwin-zl8li I see you don't live in Florida. The news is telling you the entire state is just a time bomb, isn't it? I've been here over 30 years and in my home for 20. Never once needed to file a claim. I'm many miles inland so the storm surge damage they always show you on TV will never get to me.

Me neither. I'm beginning to think that's a good thing.

It's not a good thing when it's time to retire and you're still paying monthly rent instead of owning a home.

@@Havanorange Your still paying property taxes, insurance and maintenance which becomes rent.

Because desatin sucks

Some states allow you to carry lower insurance. A friend of mine in Texas carries 200k of Insurance on a $280k house. The reason is she owes $150k on it. If it's destroyed she can payoff the mortgage and have a little extra cash. But even at that her premium is $2700 this year.

mine is $200 now if ours double we will have to sell our house Near Tampa and move to our 35 acres in NW Florida be debt free and not have house ins. I want to just get a RV to live in and than if a storm comes we can hit the road

well move back

Brilliant response.

We'll, Florida pollutes and messes up people's head, let them not come back to Cali, they will be a problem with polluted florida mentality

That's the idea. Keep the Democrats out.

and those who never left Florida

Sounds like you should fear the next hurricane in Florida if one lives in Washington state. How crazy is that? I live in Pennsylvania and I would bet it's all across the country that we are subsidizing Florida.

@@michaelb.8953 When NY and NJ sustained heavy damage from hurricane Sandy years ago when Marco Rubio and Ron Desantis were in Congress, they both voted not to give hurricane relief to both states, but when they get hit by a hurricanes they expect a multi billion dollar help each time.

@@TheDarkDresser It could have been the relief bill for NY and NJ was slipped in with another pork bill, but I'm only speculating. Something about Desantis that I'm not quite sure about as Trump has 110% of my support.

@@michaelb.8953 The problem with Desantis is his lack of authenticity and some can see it. I don't like Trump, but I have to give him credit for authenticity. I don't see him imitating anyone, but all Desantis did for the past few years was to imitate Trump, even down to his hand gestures. Another thing is that Trump will be loyal to you if you are loyal to him, but Desantis will drop you like a hot potato when he finds someone more useful to him. He begged Trump for his endorsement and fawned over him, but as soon as the richest man in the world began talking to him, he dropped Trump. Also, the way he "defends" Trump by first reminding people of what Trump did and then let them know that since he doesnt do those things, he wouldn't know anything about it.

​@@michaelb.8953 Yes‼️ If you ask your insurance agent why is my house insurance going up and they will tell you (well they told me) well because of the houses destroyed in Florida,Texas, Alabama...etc you know it depends on what year you call. Yet the people in those states stupidly deny climate change mainly because they are lazy and stupidly&consistently vote for GOP, republicon, libertarian, independent who lean conservative, evangelicals who ain't nothing but fake Christians anyways, federalist and conservative politicians so enjoy the price hikes+enjoy the expensive insurances🥳

It’s makes more sense for them to buy a home. There’s plenty of government programs to help them get into a house. Or move to a cheaper state. Rentals aren’t the only way to live.

Yep. 1 bedroom in s Florida starting @ $2,000 no washer dryer in unit. Forget the online price when u get there, sorry no units available for that price. Miami Dade/ Broward county rental prices ridiculous.

I guess people should’ve worked with their landlords during Covid instead of freeloading for a few years. Would you work for free because that’s what landlords were forced to do. No other business in the nation was forced to operate without compensation except landlords. Welcome to the consequences. Landlords took humongous losses, where never made whole. Not even with assistance it was never the whole amount and they were forced to either forfeit money to evict the ones stealing from them or take the money and agree not to evict. Why would a landlord want a thief living off their back? Now it’s the landlord’s turn, pay or get out.

then those families shd drive their cars of kids out of florida to another state asap

​@dcg590 my gid, you drink a TON of KoolAid.

Block houses in Florida develop slab issues because concrete is porus and Florida is all swamp.

@@floridaviolets9601 That is why I performed a core sample and ensured there was good ground under the foundation before I built. There is a fix and a inspection for this situation..

Oh, good grief….🤦🏽‍♂

Like the rent raises 😮

@@pamelalima5401 true. Still, it beats living in NY/NJ where I lived before so I'm not complaining. 😁

Near water live in Tampa now we got 35 acres in Altha which got hit bad with Micheal all of their is going up

That's who I have insurance with too, Universal Property, trust me I'm shaking

Got land kn Calhoun county wanting to move back up there get a mobile home just afraid the be high a d cannot afford it wife and I are retired told her that I want nics RV a d downsize if a storm hits we can

Wow that's a crazy increase

Feel sorry for you, man if mine goes up we will have to sell our home near Tampa which I want to anyway, wife wants to stay here becaue of the kids,, I want to move to NW florida live in a RV

Insurance industry fraud!

Once you do a claim they treat you any way they want you with prices cause you "owe" them. My dad didn't even file a claim after a hurricane cause he said they'll fck u over so make sure you claim for something big or worth claiming.

You sure it's not because you live in a state that's at sea level and constantly gets hit by hurricanes? I don't even want to send aid to you all until you all decide to do anything that protects things better.

Yeah not 100% due to storms. Mainly the assignment of benefits and roofing scams doing exactly what you were seeing on the auto side. However, it’s gotten so bad that citizens was about to lose its reinsurance. Thier business is so bad that no one would take the other side of the deal so law markers had to act!

No it's greed

@@bonnyedaise9465 greed or thievery with a license?

@@jerryd1109 I am at about 30 feet above sea level

DeSantis could have ordered a freeze and worked something out since these crooks are making record profits, but he has taken $4M from insurance lobbyist. I was torn between him and Trump but as of now I'm with Trump who pointed this out about DeSantis. My premium DOUBLED. And my area had no hurricanes only a couple tropical storms yet I'm paying for crooked lawyers, contractors, lobbyist, politicians and other areas losses.

Exactly. And they keep building right back on the beaches. Right back on other waterways. They have no problem in raising their home values when they go to sell but complain about the increased costs that come with it.

One of the biggest reason insurance rates have skyrocketed are all the lawsuits sleazy roofing companies have filed against insurance companies and the costs of all the litigation and not so much the storms.

@@davidjohncox7333 Zleazy isn't the word , friggin crooks and liars, thieves with a bucket and a nail. The roofer I had the very first question out of his mouth was " are you paying for this or the insurance company" I said I Am........That roof cost me 10,000.00

@@Hayyyward there’s nothing crazier for me than buy a house close to the water here in Florida… A lot of rain, hurricanes … you just wat to be the first one under the water

FP&L has Homeserve for pipes. Inexpensive and helps. No losses yet but just in-case!

And then some.

I am not in Florida and mine almost doubled also. Remember, in the summer of 2020, 36 cities were subjected to riots, looting, and widespread destruction. That is part of the reason rates have increased. They spread the losses across the country and shift the burden on to innocent policy holders.

I pay less then that for both property and insurance in CA

Move! Now ish, B4 Florida is covered by water.... tic toc my friend

@@carefulconsumer8682 Maybe Desantis should not be taking millions in donation from the insurance companies.

​@@TheDarkDresserinsurers donate to Dems as well. Its not one sided.

Demand actions from your lawmakers and ask Desantis how much insurance lobbyist money he has taken in since the start of his campaign.

Absolutely ridiculous!!! It is GREED.

For some reason you have a lot of crooks in Florida. Just not sure which side is the crooks. Florida has 75% of all lawsuits for denied claims in the country despite being only 6% of the population. So is it the insurance companies being crooks for denying so much or are there thousands of crooked lawyers filing fraudulent claims

Same experience. 16 year home owner with no claims. Give Citizens a try.

@@weshowell7977 Went to their website and they have a host of requirements. My home would need a high value policy needing many types of inspections which may be required on any of their policies. They could cancel policies for various reasons and I don't want a company busting my chops as much as every year with inspections and telling me what has to be fixed in order to be covered. And if they find anything they may deem as problems you have to have them fixed in order to qualify which could cost thousands. I'll stick with my company and the 100% increase especially since my home was built in '52 and I've had no claims in 15 years.

Capitalism is not a crime.

Never heard of Kin - is it a Chinese company?😳

​@@kelliott7864Capitalism without limits is indeed a moral crime and failure against you and everyone you love.

Exactly. People are just never able to see the bigger picture.

Perfect

This isn't inflation.

@@stevenhenry5267 if this is not inflation. An increase in the general price then what is it?

Bidenomics at work.

Maybe you renters’ shouldnt have screwed your landlords out of 3 years of income during Covid. You lived for free and have the audacity to complain. Landlords who worked their whole lives to obtain property lost their retirement, life savings and property because you ‘renters’ freeloaded. Well, here are some of the consequences. Me to make up losses.

Corporate greed

Florida has always had tornadoes. What are you talking about?

Another conservative paradise

What that's almost 400% increase

Yea Ron will be right on that 🤣🤣

The taxpayers need to rebuild your house?

@@golightly5121 not the taxpayers. The homeowners. They are charged more for their premiums to cover losses incurred by claims.

@@ericlaroze5549 : backed by taxpayers when they run out of money.

I call B S on that. I pay about 600 a year for my home

California has had rate freezes since the pandemic started. Every major company is paying out more than they're taking in. We're also capped on the amount the premium can increase by. Right now you're only seeing the reconstruction cost go up. If they ever lift those restrictions hold onto your wallet.

WOW! They are $2.38 here in Indiana.

@@zendoll1 hence why we are not in a recession right now, the CPI rates increased… fake non-recession

our is is 1800 sq feet we live 40 miles form the Gulf of Mexico wonder if their location near water or flood zone is causing prices to go higher which they should be

Exactly. She needs to shut up, pay up or MOVE!!

Hint #2... Residents have been doing that for years and the insurance rates still increase especially after any hurricane. Insurance companies see billions to be made and take the money and run. So many companies are pulling out of FL because they've gotten as much money from homeowners as they know they can. Some people are going without insurance when they no longer legally have to have it. I'm from Pensacola and it's outrageous what insurance companies have gotten away with.

I'm sorry, Angela, residents have been doin g what for years? Thanks. @@angelaw9476

That's true but if you're still paying a mortgage, it's illegal.

Can’t self-insure if you have a mortgage that’s the problem. Can’t pay off your house quick. If you’re paying another $800 a month for insurance that’s the issue.

@@flabunny1 Just try to save and hope nothing bad happens.

@@michaeln.2383 sure.

All insurances are nothing but legal ponzi schemes😉🤫

Insurance will reach a height that it makes more sense to self insure and pay for repairs out of your pocket. Move into a sound structure home. The homes built today are built to a higher standard then when hurricane Andrew hit Florida. CBS over wood, hurricane windows and metal roofs fair much better through hurricanes.

But yet they especially the elderly believe that they are supposed to vote against it by ever voting for any GOP, republicon, libertarian, independent who lean conservative, evangelicals who ain't nothing but fake Christians anyways, federalist or conservative politician and politicians but yet still benefit from it and that it will still be there for them when they need it🤣😉 because you know they are sticking it to the man🤣 When are they ever going to realize,learn and input that the only man you are sticking it to is yourself?

Burning books? Mouse picked the fight. You dont think he can run a state and run for President? You are right. Ppl have never done that before.

It’s not so much storms play in rate increases. It’s the sleazy roofing companies filling lawsuits against the insurance companies and forcing them into litigation which costs are astronomical!

People in America erroneously think $ is free, just print more $ they always yell🥴🤪🤡 What they refuse to learn &input is that in order for anyone to be able to spend any money that money has to have some sort of value behind it, if it doesn't, it is nothing but green pieces of paper 🥴🤪🤡

@@JanelleGodwin-zl8li That is why crypto wins in the end.

well, stop paying the insurance and your problem should be solved. afterall, if you get a loss they wont pay in any case.

@@bjvu9460 mortgages require insurance🙄

We will thanks

Thanks for supporting your comments with facts. You're clearly a smart person.

Lol because fraud would have never happened under a Democrat.....get real

Lol yea because ppl fraudulently getting new roofs wouldnt have happened under any other form of leadership. Only Republicans. Get real

Maybe Megan will lose the house her ex husband worked so hard for like he did.

If your home is paid for - do you have to insure it? I would drop insurance & save the premium you are currently paying in an account for repairs.

I pay $1200 for a $1.2million home full coverage in California……it went down from last year was $1450…..

Wow should be a big house

@@pamelalima5401 2,300 sq ft house but it’s 2 sty. So not really

But yet you Floridians just voted for a vast majority republican government; that is basically like asking for this problem to happen and repeatedly happen because republicans do not believe in and have renounced the real science&data dealing with climate change; because the weather changes everyday you know 🤣😉

Increasing frequency? What?

You know the strongest Hurricane to ever hit FL was in 1935. If you took away the one spike in activity in 2004, it would be almost identical across the board from 1944 to now. Hurricane cycles fluctuate every 4 decades or so.

From what Im hearing California's rates have been increasing and insurance companies are leaving.