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Florida Home Insurance - Bad Time to Come up Short When Even Feds Are Broke Finance Articles | November 22, 2008
A federal government drowning in red ink and besieged by corporate beggars in the largest bailout in US history is unlikely to consider a National Hurricane Catastrophe Fund anytime soon. That combined with a Florida Hurricane Catastrophe Fund that cannot meet its own obligations only means one thing to you as a Florida home insurance consumer - it's time to watch your wallet again!


This week the financial crisis brought more shocking news. General Motors, Ford Authentic Tyrann Mathieu Jersey , and Chrysler executives landed in Washigton on with their corporate jets seeking a share of the $700 billion Troubled Asset Relief Program.


In a shameless display of arrogance and entitlement, leaders of what used to be "best in class" companies begged for billions of dollars with their tin cups outstretched in front of the US Congress. Before the Big Three ever arrived in Washington, billions had already been committed to AIG and some of the largest financial institutions in the country.


During this financial meltdown we're seeing something we never expected to see in our lives - broken promises from major corporations and government institutions on an unprecedented scale. The day has arrived when large companies and large states like Florida can't raise the cash they need to meet their promises.


If you are a Florida home insurance consumer the financial crisis has put your biggest asset at risk - your Florida home.


Can you name a more sacred promise than the one a home insurance company makes to you when it takes your money and agrees to insure your home?


When you buy homeowners insurance in Florida the insurance company is promising you fast and fair payment of your claim. Florida insurance companies buy reinsurance to help them make good on this promise to you. Reinsurance is backup coverage that insurance companies buy to help protect themselves from big losses above certain levels.


The Florida Hurricane Catastrophe Fund was formed as a way to help stabilize the Florida home insurance market after Hurricane Andrew caused billions in damage to Florida in 1992. By offering reinsurance at affordable rates, the fund helped to make homeowners insurance available and affordable for many years.


That all changed after the Florida hurricanes of 2004 and 2005 when Florida home insurance became overpriced and hard to find again.


The Florida legislature responded to the Florida home insurance crisis by voting in 2007 to expand the reinsurance sold by the Cat Fund by $12 billion - raising its total risk to a total of $28 billion. Florida home insurance companies were required to purchase this additional reinsurance from the state and to pass along the savings realized on reinsurance to home owners.


In spite of this law, as a Florida homeowner you didn't get the rate reductions you were supposed to get. Your rate cuts never came close to the 24% predicted when the legislation passed. And to make things worse Authentic Patrick Mahomes II Jersey , the Florida Cat Fund took on an additional $12 billion in risk.


Now the Florida Cat Fund has stated that it does not have the money or the borrowing capacity needed to meet its present commitment to the insurance companies after a major Florida hurricane. It recently estimated that it could pay out $13 billion over the next twelve months - That's $15 billion less than the $28 billion it is on the hook to pay!


What does all of this mean to you as a Florida home insurance consumer?


You didn't get the rate relief you expected and your state took on financial obligations that it has no hope of paying.