Ernesto

[BitsyNaceyDog]

From what I've heard it's not a strong storm and we're mostly going to get a lot of rain.

Stay safe everyone!!

Here's a question for anyone living in Florida. Since you live in a hurricane prone area, how do insurance companies handle that? Are you able to get full coverage? Do they say it's an act of God and won't be covered? Just curious since I'm not familiar with anyone who lives in such an area and wondered if you pay higher rates or do not have full coverage?

Before the 4 hurricanes hit Florida in 2004 insurance companies were much kinder to us. In 2004 my parents lost their roof, their fence, and their pool enclosure. Their insurance covered it all (after the deductibles). Because there were so many claims it took forever to get the insurance company to come and assess the damage. Once the insurance company assessed the damage they gave my parents half the amount up front and after they repaired everything the insurance company came back and gave them a check for the rest of the amount. That way people don't say "I want to replace my fence and pool enclosure" then pocket the money and not repair it.

My friend lost her whole home, she lived in an older manufactured home and it was totally destroyed. Between her insurance company and FEMA she received money for her home and a little money to help for time she was displaced (to rent an apartment or a hotel room). She received a fair amount for her losses, but the amount didn't come close to what she needed to replace everything with new. She had to have her old home removed and she bought a new manufactured home. There was a lot of costly permits and inspections that come with doing that. She had already been living paycheck to paycheck and then needed to take out a loan and make payments on that. Luckily she has her parents to help her.

My husband and I had very minimal damage and decided not to mess with the insurance but rather just fix it ourselves. It wasn't worth the hassle.

The insurance companies were pretty good to everyone then. Many small insurance companies went bankrupt after that, and many larger companies stopped insuring Florida. The insurance companies that were left changed their policies after that. Rates and deductibles increased.

[gemini9961]

Checking in with everyone and all is well. It's sunny with blue skies right now. Haven't seen the latest news so I'm am not real sure what he's doing out there.

[Ginger's Mom]

Prayers and good thoughts going out for everyone in Florida.

[beeniesmom]

Here we go again.

[ramanth]

We're leaving for Atlanta Wednesday night. Hopefully they only get a bit of rain.

Everyone stay safe!

[Roxyluvsme13]

It hits my little pointy corner of TN! They're saying big storms are coming in very soon on the news as I type this.. Roxy's in my room for safety. I hope everyone stays safe .

[Cincy'sMom]

Stay Safe Florida!! (all all the others it will get to eventually)

[cyber-sibes]

Got an emergency pack with pet supplies all lined up? Of course you do, you're a PTer! Will keep you all in our prayers - stay safe!

[Logan]

Sounds like it will not be as bad as what we feared. Thank goodness!!!

I know there will still be lots of rain and mess from the storm.

Be careful, Floridians!

Logan

[areias]

It looks to be only a tropical storm, hopefully. But they are saying 5-10 inches of rain. Not fun! I just moved into a mobile home too. Hopefully it won't be too bad. Good luck to all the rest of you down here!

Got an emergency pack with pet supplies all lined up? Of course you do, you're a PTer! Will keep you all in our prayers - stay safe!

Of course! And the first thought in my mind is not "where will I go?" it is "I'm not going anywhere without my pets!".

[slick]

Just checking in to see if everyone is OK....