It is simple amazing to think that someone that has 2 homes is dumb enough to wait 5 month to check the Florida home for damage after it was pretty common knowledge that the state was hit with 4 major hurricanes in a 6 week period. I would believe this would exceed the reasonable time period to file a loss and it is apparent that they did not mitigate further losses if they did not even have a neighbor check to see if the home had a roof. Mold is a very bad problem for insurance companies and I think they will have some ground to stand on if they deny these claims. Here we go back to responsibilities of the insured. It’s OK Morgan, Colling and Gilbert is for the people and certainly have the advertising budget to make everyone aware of it. smucks
It only looks like we don’t drive better. Do you know how hard it is to avoid hitting a snowbird going the wrong way on a one way street, one who thinks honking their horn means they can back up without looking, one who can’t see over the steering wheel. And those gigantic wrap around sunglasses! Personally, my signal to stay away from a snowbird driven car is when the driver drives with their mouth hanging open.
Also, John is right. How could anyone wait so long to check on what is most likely their second largest investment? And how do they now assess the damage and attribute what damage to what storm and what deductible? And how long before all the stories start coming out about the poor ederly and how they were ripped off by the big insurance companies?
As an agent in Orlando, Florida, subject to “Charley”, “Frances” and “Jeanne”, I think these stats may be slightly skewed.
I agree that any direct damage should have been reported months ago. In fact, taking steps to prevent further loss is a requirement in almost all property policies.
However, the new claims WE are now taking, months after the storms, are for “loss assessment coverage”, most particularly from condo unit owners. The unit owners are just now receiving their assessments from the condo association due to the high “master policy” deductibles applied to the damaged association property, the common elements. These unit owners (snowbird investors or permanent residents)may not have had direct damage to their units which would have required earlier reporting of the loss.
This may explain the “surge” in claims so late in the game.
Don’t “tar & feather” all those darn Yankees! Ha! I find profit in it, when properly underwritten.
You need to understand the fact that many of the people dont have the time or money to fly all that way. Are you suggesting that right after the cane that 8000 people from around the country should have flooded Floridas airports to check out damage that most contractors are too busy to fix anyway?? And then fly back for vacation one month later. As far as the losses not being covered……well how is it any different than a hunting lodge out in the woods that collapses during the winter? The fact that the insured is not there to report it promptly is BUILT INTO THE RATE.
No one would have expected nor desired all the snowbirds storming the airports immediately after the four hurricanes. However, simply waiting MONTHS until it was the regular time to vacation, well that’s simply irresponsible. It evidently was more convenient to wait. Furthermore, if they can afford a second home, they can certainly afford a special trip under the circumstances. So, how did your home hold up?
Dont forget our silver spooner Gov Bush is a permanent snowbird by way of Texas where daddy carpetbagged to get his big oil billions with the bin Laden family in the 60s. Where would we be without all these yank snowbirds anyway?
BTW “yahoos” is the slang nickname they give us southerners.
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Floridians don’t drive much better.
Don’t forget the 4,000 auto claims made each week because of their poor driving habits.
It is simple amazing to think that someone that has 2 homes is dumb enough to wait 5 month to check the Florida home for damage after it was pretty common knowledge that the state was hit with 4 major hurricanes in a 6 week period. I would believe this would exceed the reasonable time period to file a loss and it is apparent that they did not mitigate further losses if they did not even have a neighbor check to see if the home had a roof. Mold is a very bad problem for insurance companies and I think they will have some ground to stand on if they deny these claims. Here we go back to responsibilities of the insured. It’s OK Morgan, Colling and Gilbert is for the people and certainly have the advertising budget to make everyone aware of it. smucks
It only looks like we don’t drive better. Do you know how hard it is to avoid hitting a snowbird going the wrong way on a one way street, one who thinks honking their horn means they can back up without looking, one who can’t see over the steering wheel. And those gigantic wrap around sunglasses! Personally, my signal to stay away from a snowbird driven car is when the driver drives with their mouth hanging open.
Also, John is right. How could anyone wait so long to check on what is most likely their second largest investment? And how do they now assess the damage and attribute what damage to what storm and what deductible? And how long before all the stories start coming out about the poor ederly and how they were ripped off by the big insurance companies?
As an agent in Orlando, Florida, subject to “Charley”, “Frances” and “Jeanne”, I think these stats may be slightly skewed.
I agree that any direct damage should have been reported months ago. In fact, taking steps to prevent further loss is a requirement in almost all property policies.
However, the new claims WE are now taking, months after the storms, are for “loss assessment coverage”, most particularly from condo unit owners. The unit owners are just now receiving their assessments from the condo association due to the high “master policy” deductibles applied to the damaged association property, the common elements. These unit owners (snowbird investors or permanent residents)may not have had direct damage to their units which would have required earlier reporting of the loss.
This may explain the “surge” in claims so late in the game.
Don’t “tar & feather” all those darn Yankees! Ha! I find profit in it, when properly underwritten.
You need to understand the fact that many of the people dont have the time or money to fly all that way. Are you suggesting that right after the cane that 8000 people from around the country should have flooded Floridas airports to check out damage that most contractors are too busy to fix anyway?? And then fly back for vacation one month later. As far as the losses not being covered……well how is it any different than a hunting lodge out in the woods that collapses during the winter? The fact that the insured is not there to report it promptly is BUILT INTO THE RATE.
No one would have expected nor desired all the snowbirds storming the airports immediately after the four hurricanes. However, simply waiting MONTHS until it was the regular time to vacation, well that’s simply irresponsible. It evidently was more convenient to wait. Furthermore, if they can afford a second home, they can certainly afford a special trip under the circumstances. So, how did your home hold up?
Aren’t the snowbirds on a 12 month vacation?
YES, THEY ARE. THEY JUST CAN’T “REMEMBER” IT!
Dont forget our silver spooner Gov Bush is a permanent snowbird by way of Texas where daddy carpetbagged to get his big oil billions with the bin Laden family in the 60s. Where would we be without all these yank snowbirds anyway?
BTW “yahoos” is the slang nickname they give us southerners.