Re: More sweetsops

can you say greed?

On 12/28/07, Kitty <kmrsy@comcast.net> wrote:
>
> 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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>
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>


-- 
Pam Evans
Kemp TX
zone 8A

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