Citizens Property Insurance denied 77% of Florida homeowners’ claims from Hurricane Debby

Citizens Property Insurance denied 77% of homeowners claims from Hurricane Debby, according to new data from the Allbritton Journalism Institute.

[@jackfenton2271]

"Collect the premium Deny the claim"

[@chewy999]

Yes, we know we are getting Coned

[@jamesfields7]

You must be one of those people that don't have flood insurance. Choices...

[@drc3po]

They are supposed to deny the FLOOD claim!!

[@ILovePancakes24]

You don't have a right to insurance

[@ATAT1]

Collect the premium on a policy that has specific exclusions. Do you get upset when your Homeowner's policy doesn't pay for damage to your cars? No, because vehicles are excluded by the policy if they require registration and unless they service the premises. Being ignorant of the policy doesn't make the policy wrong.

[@brianpower3159]

You get what you vote for. DeSantis deregulated the insurance companies so they can do and charge you whatever they want. Thank your Governor.

[@apepex1464]

77% isn’t bad, they usually aim for 100% of not paying.

[@ViralGuyy]

Exactly you ain’t never lied!

[@christineroutt9]

Exactly. They use any reason. " pre existing conditions" "negligence-home owner didn't take necessary precautions to secure the home from rapid flood waters"

[@MobilityMadeEasy]

@@christineroutt9 everyone always sticks up for these stupid companies until someone actually goes through something have empathy people wow today people these days

[@christineroutt9]

@MobilityMadeEasy I agree with you. It's crazy how somebody can feel comfortable with a job that denies people their claim on wild technicalities. Things are never a problem until it's a direct problem to them, and they go extensive lengths to prove a claimant wrong or at fault. It's definitely not a job I could ever have. The company would fire me

[@happycook6737]

Most home owners insurance nationwide does NOT cover flood insurance! This isn't just in Florida.

[@bigrod997]

It's all a scam

[@suntzu94]

I agree people building houses in an area that floods sure is a scam

[@riprob93]

What a mess.

[@ILovePancakes24]

The real scam is how my tax dollars go to make whole someone that did the judgement error of someone choosing to live in Florida.

[@olivertaylor8788]

That's right

[@spaghettimonter13]

LOL it's not a scam if you actually bothered to read the terms and conditions instead of just skipping over all of it and then hitting submit

[@riprob93]

The one I can't really understand is the homeowners who keep building back. Why???

[@mnp870]

People always pick themselves up and start over. Never give up. Disaster hit everywhere.

[@olivertaylor8788]

@@riprob93 ITS called stupidity..

[@kd-123-kd]

I used to think that also, then I moved down here. People who have been here for generations, with their whole lives down here, millions of them. We can’t just assume millions of those people will just move away. Building homes and communities more resilient should be a solution we should be looking more into.m, some communities already do that in Florida.

[@teresitaviera3000]

Son gente de mar de generaciones, viviendo de la pesca, artesanías sus pequeños comercios, les basta, el problema son los turistas, pueden ir a hotel, durante época de no huracanes, ellos que no compren casa, xq la mayor parte del año está vacía o con pobres cuidadores. Los tratan como esclavos en plantación. Son diferentes, duros, saben cómo enfrentar las dificultades. Generaciones viviendo ahí. Van a nadie entre cocodrilos, tiburones. Y siguen xq mañana sale el sol y la vida es hermosa, son capitanes de barco, sin barco, y los curiosos turistas, quieren lo mismo, y construyen ridículas casas, que ni en el lugar indicado. Ni de los materiales indicados ni con colores q se siguen con la naturaleza. Temporada de huracanes, no, buitres por ambas partes, hoteleros, y 2:3no turistas no abierto en temporada, como un hotel de nieve en verano. No dejar construir a no residentes, y si insistieron mucho, bajo especificaciones, que parece solo saben los residentes, si les gusta bien . Otro modo no hay.

[@ngoalong6003]

because florida is poor and can't go anywhere. stay put in the cheap land..

[@morrisparrish76]

I’ll say it one more time: insurance companies are not your friend!

[@angelalake200]

car insurance being mandatory is another thing that is a huge problem

[@Zionryan1]

@@angelalake200 ahh baby cakes, 😅 you will soon learn

[@danielwymer1580]

They have to have a separate policy for flood insurance, been that way for years and years, that’s why it is so costly because the hurricane coverage only covers the wind damage, it has never paid for water damage ! Are people in Florida really that ignorant? Flood insurance has always been totally separate.

[@Fat12219]

That is very hard 😮 denied 😢 😔 😞 😕 😪

[@sylasfather6026]

I honestly only learned this after studying P&C and thank God I passed my test ..it's not easy good luck to all I used ad banker

[@fartdonkey8290]

I'm not even in a flood plane and I pay for flood insurance. Earthquake, wind, hail, comet, anything

[@Cads-n3i]

I mean, it's Floridians. It's assumed they're not bright.

[@JojoR1963]

@@fartdonkey8290, where do you live lol😂

[@kepckatherinec805]

One solution is-don’t live in Florida. The state is a magnet for bad weather on an annual basis.

[@KrystalAri]

Florida is the third most populated state in the union sitting at 22.6 million people. So yes let's just all leave 🤣

[@RMorissette-p6w]

@@KrystalAriwhy do people not understand this ? Let’s just take 23 million people and move them to Georgia. Seriously.

[@katherinedemott298]

And MAGA government

[@JohnW9012]

Flood insurance is a separate policy from home owners. Why is it that so many home owners do not know that?

[@thebaldeagle655]

They know, they just choose to ignore it.

[@suntzu94]

Because Americans are not the smartest

[@odessajackson4551]

Especially white people cause they think 🤔🧐 their better... but their going to be bitter when they get denied, denied, denied 🤬🤬🤬

[@Quilt4Joy]

If they live in Florida, they know.

[@sonayiac]

Most people in Florida…” small government, stop the handouts to the poor, stop looking to the government for help”…hurricane hits the home THEY decided to build/buy in Florida…” please federal government give me money, this is bs”

[@spoonypoon7998]

Insurance has nothing to do with the government.. You are off your rocker. People bought insurance. Hello hurricanes don't just affect people in Florida go educate yourself

[@charlesharper2357]

@@spoonypoon7998 Insurance is government regulated.

[@countbenjamin1442]

And they complain about immigration yet. Who are the people they expect to help rebuild? All their houses would be cheap labor from illegal immigrants or newer immigrants.

[@countbenjamin1442]

​@@spoonypoon7998also how many people are we seeing saying that they've lost everything and they need FEMA to help cover everything? Why would they build in flooding areas? They just knew that the rest of the United States citizens would help pay for them to rebuild for sometimes the 5th, 6th time. Maybe us citizens of other states are sick of paying for people to rebuild and flood prone own areas

[@ErikWalden-fg8re]

⁠​⁠​⁠​⁠​⁠@@countbenjamin1442 we contribute more than our fair share to the Federal coffers. In our time of need, I think the least the FED could do is help disaster victims. The same holds true for tornados in the Midwest, wildfires in California, etc. What a great American you must be!

[@sadjaxx]

Hey DeSantis!! How about you stop stomping all over the Constitution of the United States! And do something about Florida Homeowners Insurance!

[@mavericky1543]

No u.s. tax payers should be paying for Floridians insurance claims.

[@JamesWilliams-gp6ek]

100% They choose to live in a sea level swamp.

[@torence]

As a born and raised Floridian, I strongly agree buddy. It is a delicacy to live out here. However, overall, I wish insurance was more simplified, instead of a bunch of people playing a game of telephone to pass over messages and documents and whatnot xD A lot easier to just pay out of pocket for a lot of things anymore than bugging with insurance companies, even though it’s more expensive… Gives you total control over the situation as well… and I’m saying that as someone born into and still in the low income range xD

[@segua]

No US citizens should be paying for Ukraine or Israel, yet he we are. 😂 don’t be ignorant how this works. Are you gonna say we shouldn’t pay to rescue anyone in a California fire? Or Anyone in NC?

[@crinklecut3790]

And we shouldn’t be paying for California’s either. They know they have terrible fires every year, mudslides when it eventually does rain, and the occasional massive earthquake. If people want to live in a high-risk area, let them pay for it themselves.

[@jtpalooki7757]

@@torenceso as a Floridian, you should know Florida subsidizes Citizens and now Florida has a BIG problem! And Citizens covers at least 70% of all insured homes in Florida!

[@LoveLee-jz1tj]

how about local government in FL stop lining developer political pockets and use the local taxes to FIX THE INFRASTRUCTURE IT WAS ALOTTED FOR?

[@jeffmorse645]

Homeowners insurance doesn't cover flooding. It never has. My agent explained that with the first home I bought back in California (yeah, it can flood there during El Nino winters). Got my house here and the agent mentioned that before I could even ask. Shouldn't surprise or blindside anyone.

[@shenmisheshou7002]

Well, that is not completely true. Insurance companies used to sell polices before the 1960s, but what happened was that because of several major hurricanes, a lot of insurance companies went bankrupt. To prevent the financial catastrophe that would occurred if people could not get mortgages, the good old congress of the US stepped in in 1968 and created the socialist National Flood Insurance Program. Today, when a homeowner buys a flood insurance program, it may look like they are buying it from State Farm or whoever, but the insurance company is not the underwriter. They will write the policy and they will do the administration of any claims, but the good old socialist NFIP actually pays the claims. What happens if the NFIP runs out of money? Simple. They go to congress and ask for more, and that money comes out of the taxpayer's pocket. The NFIP has paid out much more than it has taken in and even Congress is getting where they don't want to have to keep giving NFIP money. NFIP was almost killed off this year, but they submitted new rate plans that transfer more of the premium burden to coastal states, where the vast majority of claims are paid out. In essence, people in a lot of states were there is rarely flooding (like North Carolina, until this year) were subsidizing the insurance of the rich people that live out on the costs of the USA. Socialism is bad...until you benefit from it.

[@robcyr839]

I am surprised 23% had flood insurance

[@MikeHenderson-tm1hs]

ALL Insurances ARE A SCÁM including Health and Car insurance.

[@O1dmanwalker]

Also warranties

[@JeremyLangdon-f9s]

Insurance companies are the Mafia that operate within the law.

[@anthonyvalenti9093]

However, if you were told you were not in a flood zone, then what?

[@LONESTARINDIE]

Leave areas that flood, & the local govt should prohibit anyone else from building there, esp developers, & stubborn rich people who just have to live on the gd beach 🙄

[@maddeusdoggeus1]

Maybe the Governor should have spent more time on fixing Insurance like he promised instead of trying to punish Disney for not supporting the Don’t Say Gay bill.

[@Tracy-m3n]

Desantis gets alot of donations from insurance companies so he'll never hold insurance companies accountable

[@klesmer]

Don't put this on Desantis. I have citizens and it says very specifically that it does not cover flood damage. If you are in a flood zone buy the correct insurance.

[@rocketraccoon1976]

Maybe FEMA should have saved more money from supporting illegal aliens, so it could help out citizens. Maybe Biden should have closed the borders to illegal aliens, so government would have more money to spend on citizens. 💁‍♂️

[@Tracy-m3n]

@@klesmer desantis has made it almost impossible to hold insurance companies accountable in fl

[@Tracy-m3n]

@klesmer desantis get huge donations from insurance companies so he allows them to raise our rates so they get huge corporate profits

[@gonefishing3644]

If you want to insure your U.S. home against damage from storm surges, flash floods and other kinds of flooding, you have to buy federal flood insurance. Private insurance companies never cover flood damage. And the old FEMA maps showing flood prone areas are obsolete. Lately flooding has been occurring in 1000-year flood areas all thanks to climate change. If you own a home or are paying a mortgage on a home anywhere in the U.S., you need to buy federal flood insurance as well as regular homeowner's insurance. And plan to evacuate far away and to higher ground if heavy rains are predicted so at least you can save your vehicle.

[@Dog.soldier1950]

Home insurance and flood insurance are different things

[@mistiinseattle]

Most insurance policies do not cover flooding... you have to have a specific policy for that. People dont have the policy but expect to be paid?? Most people know you have to have flood insurance. They dont and are blaming the insurance company

[@c87kim]

How about we just build homes in accordance with the environment rather than expecting the govt to always fix our problems

[@CKGamingChannel-w2o]

If the insurance companies are not insuring they insureds, then it's not insurance, it's a fraud/scam.

[@ILovePancakes24]

If you didn't buy flood insurance that's on you.

[@Tracy-m3n]

I want to remind everyone that desantis made it almost impossible to hold insurance companies accountable in fl

[@CraigC-h6b]

They are not ready for that conversation

[@FordRangerClassics]

Born in Florida. It's the people who come here that make it a terrible place.

[@Pinkfrosting962]

It’s now exactly how it’s been in Walz’s Minnesota. What’s your point?

[@Tracy-m3n]

@Pinkfrosting962 if insurance companies deny stuff and we have to sue and win desantis made it so we don't get lawyers fees so it adds up to alot of money

[@larrycampbell6133]

Please elaborate why you think this is the case?

[@stevenjones6780]

Of course flood is denied. That's all that happens in Florida and good luck getting flood insurance here...

[@BufordTGleason]

So the majority of policies they sell they know are not gonna cover homeowners. Yet we are required to have useless insurance that doesn’t cover anything when we have a mortgage. Are you kidding me?

[@robertward8035]

Read the policy.....

[@countbenjamin1442]

No it would cover for other things. Just not floods. That's why you would have separate flood insurance. Just like you have separate car insurance from your homeowners insurance. They covered different things so they sold a policy knowing that it wouldn't cover flood because they weren't selling flood insurance. It's not complicated

[@mustangecoboosthpp3869]

Are you a liberal/Democrat, homeowners insurance covers fire, leaks, wind unless you refuse wind storm coverage and it covers liability, flood insurance is a federal program policy that only covers flood damage, This is really not hard to understand.

[@ExpeditionNomadicAdventures]

I wonder if religious buildings are exempt.

[@clinthutchinson4097]

their not denying their claim, they don't have flood insurance.

[@Tracy-m3n]

Didn't desantis earlier this year veto a bill that could of been used to prevent flooding

[@larrycampbell6133]

@@Tracy-m3nI don’t believe that’s true - but I’d be interested to hear your source

[@Tracy-m3n]

@larrycampbell6133 google insurers gave desantis millions in return he made it harder to sue

[@Tracy-m3n]

@@clinthutchinson4097 google desantis vetos money for public safety to prevent flooding

[@Tracy-m3n]

@larrycampbell6133 look up desantis vetoes money that could be used to prevent flooding

[@GggCastro]

So what yall gonna do Florida ?

[@jayssinn]

They need to stop building where they know the houses will be damaged. How long will they let the tax payers pay for a new or partialy new houses for people who choose to live in flood zones. At some point i expect logic to prevail. Buy them out.

[@HackbotT1000Legion]

Call meatball..Can't he save a woke claim?

[@lindapindabelinda3570]

If you choose to live in an area with ultra high risk, you have to expect to lose it all. If you don’t want that to happen, leave Florida and move to a safe state.

[@mylesthrall2307]

The government isnt an insurance policy. Live in Florida at your own risk.

[@Tracy-m3n]

Didn't desantis earlier this year veto a bill that could of been used to prevent flooding

[@larrycampbell6133]

You have a lot of comments all over this video with similar hatred. Can you cite any specific reasons rather than just rant on about how much you hate Desantis? What’s the name of the bill? And how exactly do you “prevent” flooding in coastal cities during a Hurricane? Perhaps we should build a wall! Oh no wait, Trump tried that and it didn’t work… maybe it’s different when it’s a 15 foot wall of ocean water 🤷‍♂️

[@ST-rj8iu]

a bill to prevent flooding? What stops torrential rains from destroying your house? Just put up a massive tent that can withstand 50mph winds?

[@larrycampbell6133]

@@ST-rj8iu thank you! Clearly I can’t be the only one wondering how drunk she is while writing her posts?

[@Tracy-m3n]

@larrycampbell6133 clearly you can't be that ignorant let's see let's not do stuff to prepare for hurricanes or flooding

[@Tracy-m3n]

@@ST-rj8iu so we shouldn't do our due diligence and try to help as much as possible to prevent flooding like are you serious

[@lillylynn9076]

If you bought a home in Florida, and did NOT buy flood insurance, then you are exactly where you need to be..in the swamps.

[@Fabulopolis1]

I rather live in Detroit Michigan than living in Florida again.

[@larrycampbell6133]

Considering the outrageous amounts of people that have fled blue states to move to FL in the last few years makes me think otherwise… but you go have fun in Detroit. Don’t drink the water btw!

[@Mike-ew9zn]

I’m from that union Demorat 💩 hole! I’ll take my chances in Florida!

[@Userqwerty349]

Detroit is great, I visit it often. Florida sucks, I avoid it.

[@BG-sl9lv]

@@larrycampbell6133 Florida currently grows about 1.37% per year (pop 2024 about 23 million, up from about 19 million in 2010) Not particularly outrageous. Currently Florida is the 8th fastest growing state by percentage growth. Predictions are that it will fall out of the top ten at least temporarily. But you're right about drinking water. In drinking water quality Florida is 8th but Michigan is 36th.

[@larrycampbell6133]

@@BG-sl9lv perhaps 1.37% doesn’t sound like an insane amount, but it is when it’s steady growth over the course of 14 years - it’s 21%, while in comparison, the entire US only grew at about 10%. When you are outgrowing the rest of the entire nation at double the rate, that is substantial growth. And a little bit of research shows that FL has 4 of the 5 fastest growing counties in the country as well! Which means this extreme population growth is isolated to a few specific locations - one happens to be where I’ve lived most of my adult life. And as stated, most of that population growth has still been in more recent years, filled with people fleeing blue states. And don’t forget to add the millions of tourists visiting per year (which is estimated to be 140 million)

[@Swagalious689]

Citzens doesnt have the money to pay those claims.

[@wayne5447]

Even after they unloaded over 600,000 policies to private insurers! As long as the private companies are within 20% of Citizens price, you have to buy it from them!

[@jtpalooki7757]

The state of Florida subsidizes Citizens … Big trouble in the sunshine state!

[@davidterrell1242]

So what are they doing with the money they receive from Florida?

[@Fido-vm9zi]

Doesn't help how inflated everything is. They say a house that cost $100,000 to build is worth millions.

[@jtpalooki7757]

@@wayne5447 welcome to the free state of Florida!

[@nosaj3856]

This is misleading. They didn't deny claims. People did not have flood insurance. Why would they pay for that if it was excluded. Why would a policy holder not shop for the right insurance that covers flood?

[@trac-ken]

They put in a claim for the damage and it was denied because they are not insured for flood damage. What’s misleading about that?

[@mikec7220]

Even if you have a plumbing leak they only cover $10k now. Insurance is almost worthless at this point.

[@erickriebel4366]

100% IS THE MAIN OBJECTIVE. COLLECTION OF PAYMENTS. NO CLAIMS SETTLED. EXACTLY THE SAME THING AS THE UNEMPLOYMENT BENEFITS AND HEALTH CARE FOR VA. BENEFITS. ALL DENIED ALL THE TIME.

[@mustangecoboosthpp3869]

A citizens homeowners policy does not cover flooding just like a State Farm homeowners policy does not cover flooding or an Allstate or Nations Wide do not cover flooding, you have to purchase separate federal flood policy to cover flood damage. Stop being a Democrat tool.

[@MADBurrus]

Let’s not forget that it’s Florida and most people that claimed flood damage didn’t have any flood damage

[@richardfaucher8395]

Citizens has a monopoly on mobile homes in Florida. No other companies will cover mobile homes. So you’re basically in the risk pool. I’m not in favor of regulations but in this situation something has to be done. We’re paying very high premiums for coverage and they are denying claims. That’s not right and they should lose their privilege to do business in the state of Florida.

[@user-uw1cn9dt6y]

actually you voted for this for decades with poor choices in GOP leadership. you got to "own libs" but lost your homes and futures. hope that warm fuzzy feeling was worth it.

[@poollife777]

@@user-uw1cn9dt6y You sound like a political idiot.

[@jasongrooming36]

@@user-uw1cn9dt6yokay groomer.

[@michaelarnold7503]

The suggestion that Citizens should cover flood insurance is not feasible. Citizens is so severely underfunded that it could not pay out a fraction of housing it covers for wind or fire damage let alone flood damage. It is essentially a Ponzi scheme. Either the market is allowed to be a free market which means astronomical homeowner costs or socialism is ramped up to increasingly subsidize insurance market.

[@isocarboxazid]

"I'm not in favor of regulations, but we need regulations." Jesus you people are confused!

[@ethefl23544]

This is a non story. The claims weren't valid and therefore denied. Why do you keep stirring this on and on?

[@mustangecoboosthpp3869]

Homeowners insurance does not cover flood damage, that has been this way for decades, you have to buy a federal flood insurance policy for flood coverage. This is a none story.

[@thebaldeagle655]

A better headline would be: 77% of Florida homeowners affected by the hurricane chose not to buy flood insurance and are not covered for damage they received. Theor wanting their homeowners to pay would be like me having no insurance on my car, totalling it then expecting my vehicle maintenance plan to pay for replacement of the wrecked car.

[@MasterMayhem78]

Idk, paying for insurance that doesn’t cover flooding in a flood prone area is bad decisions making. This is what happens when you go the cheap route, you get less coverage. As far as I can tell it was plainly stated that flood coverage was NOT included in the premium and would need to be purchased separately. A decision was made by the home owner to forgo flood coverage. Yes it’s shady for an insurance company to offer minimal coverage in a flood prone area in the first place, but some of the responsibility is on the home owner as well. They took a gamble and lost. Insurance companies are a scam in the first place preying on your fears then denying you when they are needed, but as long as everything was above board and legal, then the home owners need to take accountability for going cheap on their mandatory home insurance, especially when flooding is highly likely.

[@ByronC900]

Worst part is they FORCE us by law to pay for insurance we KNOW is going to make every effort to not cover us. STOP MANDATORY home insurance and I guarantee these companies will start playing fair!

[@countbenjamin1442]

What mandatory insurance? There's no such thing for normal citizens. Now. If you have a mortgage, your mortgage company requires that and that's a safety net for them so that if you lost your house they can get your money. But if you own your house outright, you are not legally required to have insurance. You will just lose everything. There are actually several people in Florida that are doing that. They said it's just cheaper not to have the insurance. So go away with your mandatory because of a private lending requirement

[@mustangecoboosthpp3869]

There is no mandatory insurance requirement, I can drop my homeowners policy today and nothing would happen except I would no longer have insurance for fire, leaks, liability and wind storm. Now if you take out a mortgage the mortgage company will require you to have homeowners and if in a flood zone flood insurance, but the government is not forcing anyone to purchase insurance except for automobiles.

[@raygunner2437]

Don't worry gulf states the rest of us are paying higher premiums every year so you can live in the sunshine states🤔

[@Plutogalaxy]

My state makes that illegal. My rates are based only on local conditions.

[@raygunner2437]

@@Plutogalaxy what state is that? I'm in PA. I can't directly connect it but massive increases last 2 years.

[@melissadeloach8503]

Not the gulf states, but northeast Florida is having to pay for all the rich people's houses in South Florida. We don't get hit nearly as hard in NE Florida. Not to mention massive increases related to inflation.

[@Fido-vm9zi]

It's crazy how overnight, they raise prices on everyone. Like that for gas and oil, too. One refinery damaged, everyone in the world pays more & immediately!

[@X4Adventures]

They say you could hear all of the bootstraps being pulled up simultaneously if you stood outside in a still wind

[@borg386]

When you have the monopoly on any service, you can do as you please. Or in this case, don't do as you please.

[@mustangecoboosthpp3869]

Educate yourself, homeowners policies do not cover flood damage, you have to purchase a federal flood insurance policy for flood damage. Democrats have really destroyed the public school system.

[@AMXhotrod]

Dont have flood insurance, you can't make a claim, pretty simple.

[@Codeblauananas]

You can thank our republican governor and senators for that. Vote Democrat and remove these horrible Republican politicians.

[@HarleyDavidsonVince]

Act of God. You live in Florida for the weather this is the price you pay. If you have money keep the sunny.

[@southeastdave8048]

And the Governor is worried about banning books 🤣🤣🤣🤣🤣🤣

[@eprofessio]

Duh, homeowners insurance doesn’t cover flooding. Flood insurance is it’s own separate thing. People are so dumb. Yeah you. I’m literally talking to you.

[@wondereagle]

If FEMA pays to replace house, then those with insurance are suckers.

[@lyfeofbill2764]

You have to file a claim with your property insurance and get a denial letter. Then you can take that letter to FEMA.

[@CraigC-h6b]

Exactly! Why is everyone else paying insurance if all they have to do is file a claim with Fema

[@isartoraplatz]

If FEMA pays; the taxpayers pay a higher Tax for these people to live In a wetlands flood zone😏

[@ST-rj8iu]

fema will probably deny you if you don't have insurance.

[@Userqwerty349]

​@@lyfeofbill2764FEMA gives low interest loans, they don't hand you a check

[@rtqii]

I have a friend who lives in Bradenton, he has a mobile home about 1/2 mile from shore, but there are canals that come closer to his property. He evacuated and removed his valuables, came back and found water had come up just below his countertops. The local government red tagged the trailer park he is in, all the buildings are condemned. Any reconstruction would have to meet code, which means all structures have to be put up on stilts, and they set the code level at 9 feet above ground. He will have to move.

[@Timbo2-f9s]

Form a class action lawsuit against all the companies that don’t pay their policyholders 💯

[@jayssinn]

my taxes going to pay for your bad decisions.

[@7u655]

If you say taxes its not your money 😂

[@hihatjas9477]

That's how Hillary Desantis rolls baby.

[@jtpalooki7757]

If you live in Florida, it’s a double whammy since the state subsidizes Citizens!

[@charlesharper2357]

And FloriDuh's bad politics.

[@countbenjamin1442]

Oh, and if citizens runs out, look at how they can make up the windfall by charging every other insurance policy. A 20% premium Auto health malpractice insurance. All 20% premium tax on those. That's how Florida will help pay for citizens if it goes broke

[@Cassie00111]

meanwhile, DeSantis is banning books, banning college majors he doesn't like, while planning to run for president again

[@larrycampbell6133]

What books and college majors has he banned?

[@DL-rl9bd]

Yeah, because kids don’t need drag queen books and bogus gender studies degrees. But, who was it that banned a lot of the classic books that used to be required reading?? Yeah, leftist activists, not DeSantis. Your narrative is showing. Don’t you need to be somewhere complaining and lying about Trump, right now?

[@kathleenalbright3908]

Sarasota’s New College, the once liberal arts school subjected to a “hostile takeover” by well-rewarded, ultra-conservative DeSantis allies, was exposed by the city’s Herald-Tribune for dumping thousands of library books, including a clear-out of its gender and diversity center.

[@healinggrounds19]

​@larrycampbell6133 are you serious? or do you just like picking Desantis's boots?

[@larrycampbell6133]

@@healinggrounds19 because I asked for specific facts to back up the claims? Didn’t realize being an informed person made you a bootlicker. Let me guess, you’re voting for Kamala 😂

[@passerau]

Every year it’s the same thing-these types of flooding aren’t going to stop. DeSantis doesn’t care about putting climate change mitigation strategies in place. We spend billions in Florida, and we can’t keep doing this. Either move away from the coast, or you’ll be on your own. This is ridiculous 🤦🤦🤦

[@shenmisheshou7002]

Congress was ready to dump the National Flood Insurance Program (NFIP) this year because it has run out of money repeatedly in the last decade. As you say, and what a lot of people don't realize, is that if the NFIP runs out of money, it goes to congress for more, and that shortfall comes out of the pockets of taxpayers. NFIP Submitted a new rate structure that will shift the premium burden to coastal locations, so in the coming years, the people in low lying coastal regions will see their flood insurance premiums go up 30% or more and people in places where it only floods every 100 years will see their premiums decrease. NFIP Underwrites 78% of the flood insurance written in the US. If Congress were to kill it and the private market had to take over, rates would skyrocket even more than under the new NFIP rate schedules. Either way, if you live on the coast, insurance is going to go up much higher than in the rest of the country, but all across the country, rates are going up.

[@douglaswilkie5460]

These insurance company's got paid and should be held accountable ,their insurance liscense should be revoked forever.....

[@AgatBro]

shocking 😒 of course they did

[@christianwolf68]

we have Citizens here in Louisiana as an insurer of last resort. so many insurers are not covering specific things so you have to get separate coverage of this thing, and by the time you are done you may have 4 different companies with 4 different policies just to fully cover your house. all of them taking as much money from you that they can get away with taking

[@Username7110blu]

As a FL resident who lost everything renting in FL with no flooding, progressive, provided with obvious evidence, still denied me. FEMA denied me as well. Us renters are the ones that lost out honestly. Having to search for a home with nothing really available and then the outrageous prices for run down apartments and homes because they knew people needed to find something after Debby. Now that Helene and Milton have passed, I’m numb. Idc to ask for help anymore. I’d rather work hard, save up and leave the state. I was Born here, raised here, I serve my community professionally and for what? I can’t even buy groceries, I’ve been going to food banks. Pray for me if you read this because lord knows I need it and I hope God blesses anyone that’s going through anything.

[@jayroberts9103]

Thank you Gov 'Moe'Ron...job well done in Florida!

[@mujkocka]

That’s the reality. Simply there is no way anyone society can pay for this regularly.

[@Quilt4Joy]

If you can not afford to leave a tip when you dine out, don’t eat out. If you can’t afford flood insurance, don’t buy a house in Florida.

[@greenearthblueskies8556]

Why would 77% file a claim for flood, when they do not have flood insurance? 🤔

[@davidterrell1242]

why would HURRICANE coverage not include water damage? Hurricanes by definition always include water. Why should people have to 2 or 3 separate policies to cover damage from a single storm?

[@charlesharper2357]

@@davidterrell1242 Because floods are entirely different.

[@timmick6911]

It's in the video. In order to get help from fema you have to file a claim that gets denied.

[@ThomasSlodzinski]

I have my insurance license from Raleigh North Carolina and somehow I knew that this would happen especially since there's damage throughout 10 states. You are going to see so much more from now on and living in Florida is going to be virtually impossible buying a house and getting insurance I hope you have a lot of money to throw away

[@mustangecoboosthpp3869]

I doubt you have a license to sell insurance anywhere or you would know and have explained that a homeowners policy does not cover flood damage, you have to purchase a federal flood policy to be covered for flood damage.

[@ThomasSlodzinski]

@@mustangecoboosthpp3869 some policies do cover flood insurance if you're not in a flood zone it really depends and it's expensive

[@gabemartin72]

Sounds like a massive lawsuit incoming to these insurance companies

[@gpg9516]

This is not news; most homeowners should know that flood coverage is a separate policy, separate premium.

[@zeke5491]

Insurance companies don’t have enough money to make everyone whole in hurricane alley

[@Fido-vm9zi]

Especially with inflated prices.

[@CKGamingChannel-w2o]

Insurance itself is a scam. Pay the premium to these companies and never see it returned in the event of a natural disaster that floods homes. What a joke. Why have the insurance if all they do it take money from insureds?

[@ddeeddee1380]

Just because it's policy doesn't mean it's legal.

[@paulmarc-aurele5508]

I would like to be told what my policy will not cover rather than what it will cover.

[@erniedominguez23]

Wonder if ukraine was covered by insurance policies from here seeing how the US is taking care of them 100%

[@GC-bm8nl]

The European Union and its members have provided the most aid in total (military, financial and humanitarian), while the United States has by far provided the most military aid. The equipment the US has been giving Ukraine is mostly old. The US is purchasing new systems to replace what it gives Ukraine, modernizing the American military in the process. Sending military aid to Ukraine has enabled the United States to modernize its own military to be better prepared to fight the next war..

[@dicezart9667]

Long story short... Insurance... "Why should we pay when we can get the tax payers to foot the bill?"

[@OlRed.]

Sooooo what your saying is once the house dries out it needs to accidentally burn down and then it’s covered yeah?

[@HowShouldIKnow6543]

We encourage people to apply so they can be denied is the most apathetic response possible. Do all the work, but it won’t help you directly, but maybe someday. Florida has known waters are rising for 50+ years and still developed flood-prone areas. Do not ask for a bailout unless it is used to move to high ground.

[@chuckdameron5626]

Please if you live anywhere near water in Florida get flood insurance even a little pond because the rivers in fla run north not south

[@motorhead123]

many people cannot afford flood insurance or the $10,000.00 deductible associated with it. its a very sad state of affairs

[@messagegoeshere741]

Houses on stilts are a thing. Most of these videos show homes on ground level.

[@JamesWilliams-gp6ek]

@@messagegoeshere741 Not living in a flood prone swamp would be a smarter choice.

[@timmick6911]

Over 16 hours before your lie gets called out.

[@yellowbird5411]

Insurance has it's own Hippocratic Oath (First Do No Harm), known as the Insurance Hypocritic Oath, "First Do No Payouts."

[@Fido-vm9zi]

How about paying companies who will actually do the work. Like a home repair membership program? You'd have to assign companies zones.

[@timpoliquin6709]

Insurance companies are scumbags They are scum of the earth

[@WilliamInternational]

I have flood insurance, I wouldn’t expect my homeowners to cover that, and fema shouldn’t pay for people that didn’t buy insurance.

[@Fido-vm9zi]

The government is expected to take care of everything, so why have insurance companies collected premiums and made billions?

[@supersaiyaman11589]

whats the point of having hurricane flood insurance if they are going to deny you wene you need to use it can somebody answer that question please. dont you pay for the insurance so they do pay out if you get a hurricane or flood.

[@liberatedwoman]

And, just how have they disregarded all the wind damages before the flooding.

[@mnp870]

That’s when you are forced to hire an arbitration attorney.

[@jamesashley1924]

Why Have property insurance only to be denied for something you pay for... Something this is highly recommended.

[@Humanity4ALL]

The insurance companies don’t care. Why were they not made aware of flood zone?

[@ed0078]

Nor should FEMA my tax money pay at all. Citizens is right. Read your damn policy

[@ei7936]

!! wake up florida De Santis gave the insurance companies all the power

[@mustangecoboosthpp3869]

Democrat Party Troll Account identifuied.

[@bigvaxmeanie925]

​@@mustangecoboosthpp3869 vote republican then cry the government doesn't help you. Brilliant thinking there

[@lora9664]

At this point all Fla home owners should cancel their homeowners insurance and force their banks to add it on. Let the banks deal with the insurance companies. Also if you live in Florida you need flood insurance. Period. You are surrounded by gulfs and oceans and lakes and rivers. The rest is swamp land.

[@jamesashley1924]

Insurance companies are double dipping... Flood- Not- Flood...??????

[@katherinedemott298]

Hey, DeSantis. How about taking care of your people.

[@KOOLBadger]

When was Hurricane Debby please..

[@Penelopesyoutube]

Insurance is a scam. You pay & pay with no incidents & they give u little or nothing when you need it

[@mikecohen2400]

The very ugly truth is that a good part of Florida is uninsurable, a home owners policy that does not covers flood damage is worthless in the flood prone parts of the state, wind damage may help some but the majority of damage is due to water flooding. The real issue is that homes build on the ground are going to flood in the ever expanding flood zones, and in the more powerful storms if the home is 12 feet off the ground then wind may be a problem but flood damage will not. Rebuilding ground level homes waiting for the next storm is a losers game.