Sunday, July 09, 2017

Hurricane Insurance Cancelled and Swimming in Hot Bay and Ocean Water. By Geniusofdespair

It is the beginning of the hurricane season and our homeowners insurance was cancelled. The property is about about 5 miles inland and not in a flood zone -- about 10 feet above sea level. It is starting folks. Remember, this is not flood/wind insurance. It is Homeowners. Luckily this policy will take us through the summer.


I have been around in the bay and ocean the past few weekends. The water temperature is already abnormally hot -according to our Garmen Sonar GPS- it was 89.4 degrees in the Bay yesterday. I went to Bill Baggs too, it was hotter there and weeds were everywhere.  It was actually cooler in No Name Harbor. What a bust our beaches have become. I have swam during the summer and never found it this hot at the beginning of July. I wrote about Crandon a few days ago.

We had record breaking ( nearly doubled the previous record)  warm winter water temperatures in Biscayne Bay that concerned scientists:

"The main concern for Brian McNoldy is if the warm record trend continues as the seasonal average increases. This would put Biscayne Bay on target to see temperatures close to 100-degrees by the summer. It’s something that seems unlikely but will be monitored given the current trends."

This is air temperature graph, not water temperature, since 1908, but hot hot hot!!!

My hot tub is at 104 degrees. Could we reach that level soon? I can't stand that temperature for more than 15 minutes. Is going in the water to cool down a thing of the past?

9 comments:

Anonymous said...

I feel your frustration with the insurance industry.

But, Just because a property is not in a recognized flood zone, does not mean a house has no exposure to flooding. For example, I would never consider a house in south Florida, with slab on the ground, as is so popular in some hoods going back a few decades.
3 steps up passes the grade for me, with a crawlspace, so utility's can be serviced when need arises.

I would like to see a accounting of all insurance in the US, with listing of % of property's covered, premiums pocketed, claims broken down as to category paid out, claims denied, and uninsured loss estimate.
Part of the squeezes of the insurance company's is the difficult investment environment with scarce save investment vehicles and returns.

Anonymous said...

Florida is just getting too hot to handle on all fronts.

Anonymous said...

Way to provide the actual numbers and statistics. ALways better to just throw statements without any actual data to back them up. Great to see this site is still #fakenews

Anonymous said...

@last anon--what a'hole--a real one

Geniusofdespair said...

Hey putz look at links.

Geniusofdespair said...

And this is not a news outlet it is editorial in nature. WARNING no Trump speak here or you will be deleted. Use your own words.

Barbara Falsey said...

And so it begins .......

Anonymous said...

Quite a few insurance companies began pulling out of Florida during the early 80s - evidently due to high exposure rates, number of claims. This trend continues.
The prospect of climate change won't help homeowners' insurability. Sadly, republicans are hell-bent on denying climate change. They live in a bubble - as change is difficult. And they wouldn't have a platform, if they gave up their out-of-touch rhetoric.

Marshmaid said...

I wonder if there is any database showing insurance pulling out on a map. That would be interesting, especially if that map had contour lines.