Friday, December 15, 2006

Allstate Backing Off Request for Humongous Rate Increase

From the Southwest News-Press, some somewhat good news regarding the home insurance rate requests from Allstate.

'Allstate has had second thoughts about its next round of rate hikes.

The state's second-largest private property insurer this week has amended rate filings with the Office of Insurance Regulation to lower the amount of the average premium increases it seeks to 8 percent for Allstate Floridian and nearly 9 percent for Allstate Floridian Indemnity.

It originally sought to raise rates an average of 22.5 percent for Allstate Floridian and 33.2 percent for Allstate Floridian Indemnity — though residents in more than half the company's territories would have seen increases over 70 percent. How the new rate hike breaks down for individual homeowners is not yet available.

Allstate has been negotiating with state regulators over the pending rate hike since September. Chief among the many faults regulators found with the rate hikes was a $259 million charge for reinsurance. Allstate actuaries admitted the company did not buy all of that, but wanted to be compensated as if it did.

Meanwhile, Southern Oak Insurance has filed for an average rate hike of 30.2 percent for home coverage. The Office of Insurance Regulation has set a public hearing on the request for 10 a.m. Friday in Tallahassee.

And if you are with a private insurer, don't forget your little "surchage" to help shore up the largest welfare home insurance program in the United States, our very own Citizen's Insurance.

23 comments:

CRAZY G said...

Crazy will go on record to make one his crazy predictions.....

Sometime during the first quarter 2007, you'll see the home builders break rank ,and start deep discounting....

HOOWSAT!!! You say!!!

Well!!! After the end of the calender year, they can take "appropriate" write downs on inventory, & what have you....

Ole' story...."if" it ain't selling, it ain't worth nothin....

Jeesh!!! Jest, when I thought I knew it all!!!!

Pooohfff!!! Up in smoke, go the house prices....

CRAZY G said...

Sign of the times.....


Got you right in the quick....

Black & Decker Corp....Basically into everything the consumer wants, tools, appliances, you name it......

Threw in the towel, even for 2007......

Missed their earnings.....

Consumer is DOOOOMED!!!!!

Here we go....for the long ride down!!!!!

AnalysisGuy said...

I just shot-up the Q3:2006 reports for Orange County, Inland Empire, Ventura, DC & New York

They join prior FREE reports on Bakersfield, Boston, Chicago, Denver, Las Vegas, Los Angeles, Miami, San Diego, San Francisco and Seattle.
thebubblebuster.com

CRAZY G said...

Better call your doctor, [have him check you for STD's] the CONTAGION is spreading...[says so right here]

||||

“The slowing housing market also caused Illinois Tool Works Inc., the maker of Duo- fast nail guns, to cut its profit forecast.>>>>>> ‘It’s spreading, and we don’t know how far and how wide it’s going to spread,’<<<<< said Marvin Roffman, president of Roffman Miller Associates in Philadelphia, which manages $390 million, including Black & Decker shares. ‘Be prepared for more disappointment from Black & Decker and others’ who rely on the housing market |||||

crazy g said...

The CRAZY stuff that people say.....""UNBELIEVEABLE""....and, to top it off, they believe it....

|||| The Naples News. “‘We’ll only have inventory because we don’t have the right price,’ Fishkind said. ‘Everything will sell at a price.’” |||||

RIGHT!!!!
Crazy wants to ask, how many houses do you need????
Are we going to have 3 houses in our driveway, like we have 3 cars????
Houses have carrying costs...NO???

Even "IF" they gave them away, you'd still have to pay...[taxes, insurance, upkeep]

Tell Mr. Fishkind to give the houses away, and see what happens to them....SlumOOOOO

CRAZY G said...

>>>>NEW SALES PITCH<<<

!!!!!! "" SPLITTERS "" !!!!

Out of the Hearld Tribune:

'Splitter' market gets sophisticated pitch
By STEPHEN FRATER



stephen.frater@heraldtribune.com

It used to be millionaires, fugitive debtors, snowbirds and retirees that Florida tried to seduce as new residents.

Now, as demographics change and later retirement realities set in, the new Sunshine State siren song targets the "splitter," and actually does so with music and a clever cartoon-like illustrated manual.

Splitters are "individuals who own at least two homes and split their time between them for recreation, for work-life balance or to connect with family and friends," explains an innovative public-private marketing campaign that aims to target potential new part-time Floridians.

Obviously, real estate giant WCI Communities Inc. and the Florida Chamber of Commerce both think a second home in the Sunshine State is a great idea for nearly everyone. Together they have created an unusually eye-catching marketing tool to stimulate the concept.

"Splitting to Paradise -- Your Guide to Owning a Second Home In Florida," is a colorful and humorous tongue-in-cheek 35-page printed brochure, Web site and musical CD aimed at planting the splitter seed in minds everywhere.

Wireless technology allows workers more flexibility and Bureau of Labor statistics suggest that that 20 million Americans did some sort of work from home at least once a week as part of their primary job.

Recognizing that 20 percent of "splitters" under 45 have a dedicated home office, an illustration shows a businessman in "outdoor office attire," consisting of a wireless headset, WCI beach towel, bathing trunks and a laptop.

Splitters tend to be more mobile than snowbirds. A median number of them make five visits a year to their second home, and a third of them use it for family gatherings or vacations.

These folks "are unlike snowbirds in that they come for long weekends, and we found through a study we undertook that many of them are doing it six to 18 times a year," said WCI spokeswoman Danielle Harper.

Splitting was "until recently, only realized if your last name was Vanderbilt, Rockefeller or Kennedy," the brochure says, noting that the National Association of Realtors estimated that by 2009 there will be more than 11 million second homes in the country.
===================================

Crazy thinks "EVERYBODY" should live like a Rockefeller, Kennedy, or Vanderbilt.....
Crazy's new catch phase....
>>> A HOUSE FOR THE SEASON <<<
|||| FOR NO REASON ||||

lizziebeth said...

WCI has been advertising for the last few years the splitting concept. I even read of one family in a major business magazine(can't remember which one) splitting. Of course they live in a WCI community.

Problem is, even if they beef up the Splitting concept, it won't work. The kind of people who can afford to live this way, are generally well educated, businees savvy people. If they do even the smallest bit of research, they know it's cheaper to rent a home for splitting than buying. Bottom line, even for the upper middle class, buying a home in Florida is too risky!

CRAZY G said...

Many years ago, and up'till 1980 or so...You could buy a 'little' Florida house for $50K or so...

Florida was promoted as a good in-expensive place to retire too...

SOMETHING HAPPENED ALONG THE WAY!!!!

Some where we missed the turn, and endedup in the Gulf of Mexico.... I don't know....

They're promoting second homes, whereas people can't even afford a primary residence here...
My landlord, up in Conn. has got this idea, that all them "RICH" baby boomers are headed here with all their money to buy into this Florida 'dream'....
Crazy, doesn't think the baby boomers are as well off as some think, and Crazy thinks the dream has turned into a nighmare [down here]....
Right now, this very minute, I'm staring out the window, at 7 [count them...yes 7] """$1 MILLION PLUS"" houses across the pond here....

>>>>"""ALL FOR SALE..ALL EMPTY""<<<

CRAZY G said...

One of Crazy's ole' sayings:

""""I always wanted to live in a MILLION dollar house, I just NEVER thought it would be the one I bought 20 years ago for $50K"""

CRAZY G said...

Taken from the other Blog;


Homebuilding costs? Montana, “Stimson’s VP, Jeff Webber, confirmed Thursday that the company will cut some 43 jobs at the Bonner mill, effective Jan. 2. Stimson has seen its margins squeezed flat by high stumpage prices on one end and low lumber prices on the other, said Michael Woodworth. Average lumber prices have fallen by half, to a 10-year low of $240 per thousand board feet.”
===================================

Crazy wants to know????

How is it that lumber prices are at "" 10 year low"" & housing prices are at ""ALLTIME HIGH'S""""

SOMETHING JUST DOESN'T COMPUTE!!!!

Crazy thinks there will be a """DISLOCATION" in the near future!!!!

CRAZY G said...

THE HOUSING MARKET IS ""DEAD""

Long live the housing market!!!!!

3 cheers, and a hip, hip hooray!!!!

Home prices, Insurance, & Taxes...had doomed it......

Katrina & Wilma, and all the named monsters, took their toll!!!!

State regulators, will meet next month, to pronouce it "OFFICAL"....
A resurrection will be ponticated by Gov. Crist...who will raise the State of Florida flag to half mast, and raise insurance rates to FULL to the ire of it's CITIZENS

CRAZY G said...

>>>FAIR WARNING<<<<

Crazy's going to take a break here for the next several weeks....

Gotta take some time out to have some FUN....

Told the neighbor today, while walking the dog around the neighborhood, how really depressing it is to see all these empty houses & 1/2 completed houses....

Just like a move set from "TWILIGHT ZONE".....

NOBODY MOVING....NOTHING HAPPENING!!!

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