Re: More sweetsops

So how was SF justifying $4500?

Kitty
neIN, Zone 5
----- Original Message ----- From: "james singer" <islandjim1@verizon.net> 
To: <gardenchat@hort.net>
Sent: Friday, December 28, 2007 7:21 PM
Subject: Re: [CHAT] More sweetsops
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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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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