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Re: More sweetsops


So far, our homeowners is reasonable. Of course USAA is a company  
that gets high marks and has a restricted subscriber-ship. And I live  
in an area that, aside from the occasional tornado (given we live  
high enough to preclude flood) has little other in the way of  
catastrophe. Of course if the New Madrid fault decides to act up.....

Cathy, west central IL, z5b

On Dec 28, 2007, at 6:21 PM, james singer wrote:

> Probably should explain a bit: The quote we got--provided the tree  
> is removed and a couple of others are trimmed--is for $1,522. Of  
> that, a tad under $600 is for the traditional homeowners stuff  
> [fire, theft, liability] and a tad more than $900 is for "wind",  
> i.e. hurricane, insurance. The wind insurance is through a huge  
> mutual run by the state. Since most commercial insurance companies  
> refuse to act like insurance companies--that is, take on the risks  
> inherent in insurance--the state has stepped in with this socialist- 
> communist program to insure its citizens against loss from wind  
> damage. Now, it turns out that some, maybe all, commercial  
> insurance companies will "write" wind coverage--but they don't  
> really write it, they sell it to their clients and reinsure it  
> through the state program, adding a management fee, of course.
>
>
> On Dec 28, 2007, at 6:50 PM, Kitty wrote:
>
>> Holy Moly!
>> My homeowners policy is $477 per year.  I remember being upset  
>> several years ago when it jumped 43% after Florida's Hurricane  
>> Andrew.  I thought they weren't allowed to penalize areas that  
>> weren't affected by such disasters to make up their shortfall on  
>> areas that experienced them.  But from what you've quoted, I feel  
>> I'm doing ok, premium-wise.
>>
>> Indiana's been having near-riots lately over increases in property  
>> tax assessments.  To calm folks down, they've issued a refund.  I  
>> got my check the other day.
>>
>> Kitty
>> neIN, Zone 5
>> ----- Original Message ----- From: "james singer"  
>> <islandjim1@verizon.net>
>> To: "Garden Chat" <gardenchat@hort.net>
>> Sent: Friday, December 28, 2007 5:36 PM
>> Subject: [CHAT] More sweetsops
>>
>>
>>> A time ago I reported I'd found a couple of ripe sugar apples on  
>>> our trees--not quite the same as sugar plums, but a nice yuletide  
>>> present nonetheless.
>>>
>>> Today, I had a tree guy out to give me a price for removing our  
>>> big Hong-Kong orchid tree--we need to get a new homeowner's  
>>> policy and the tree's too close to the house, sayth the inspector- 
>>> agent person. And while I was escorting the tree guy around, I  
>>> noticed five more sugar apples ready to pick.
>>>
>>> This business with the homeowner's insurance has really put my  
>>> nickers in a knot. State Farm raised our premium from less than  
>>> $1,500 per year to nearly $4,500 per year--need I add that we've  
>>> had a homeowner's policy with them for 20+ plus years without a  
>>> claim of any kind?
>>>
>>> Anyway, we've located a policy that will cost a tad less than did  
>>> SF last year, but the orchid tree's gotta go. Oh, well. But, I  
>>> suppose, finding the apples means it's not a complete loss.
>>>
>>> We originally planted the orchid tree, which we raised from seed,  
>>> to be a wind buffer on that side of the house. Since then, we  
>>> planted a black sapote 20-25 feet farther out. The sapote is now  
>>> big enough to take over the wind buffer role, and another 20-25  
>>> feet beyond the black sapote, are the bismarck palm twins--and  
>>> they are really getting big and gorgeous--argent, the color of  
>>> moonlight.
>>>
>>> Happy New Year all.
>>>
>>> Island Jim
>>> Southwest Florida
>>> 27.1 N, 82.4 W
>>> Hardiness Zone 10
>>> Heat Zone 10
>>> Sunset Zone 25
>>> Minimum 30 F [-1 C]
>>> Maximum 100 F [38 C]
>>>
>>> -------------------------------------------------------------------- 
>>> -
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>>> message text UNSUBSCRIBE GARDENCHAT
>>
>> ---------------------------------------------------------------------
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>>
>>
> Island Jim
> Southwest Florida
> 27.1 N, 82.4 W
> Hardiness Zone 10
> Heat Zone 10
> Sunset Zone 25
> Minimum 30 F [-1 C]
> Maximum 100 F [38 C]
>
> ---------------------------------------------------------------------
> To sign-off this list, send email to majordomo@hort.net with the
> message text UNSUBSCRIBE GARDENCHAT

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