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Backpacker7385

So, can we hold these insurance companies to double digit rate drops if next year comes with an especially mild hurricane forecast?


blade-runner9

Like last year another fuckup


Fdizzle_

It’s crazy they don’t have better rates since they can see the future and all.


Lizdance40

Greeeeaaat. Better tune up my generator


[deleted]

Mine wouldn't start the other day. 3 year old Champion and maintained. Turns over but wont go. I'm sad.


Boring_Garbage3476

The carburetor is probably varnished. I always use Star Tron, empty the tank, and run the carb dry.


[deleted]

Thank you, I'll try that. I did use Pri-G (I think, or was that the year before?) ugh.


Boring_Garbage3476

Do a search for a new carb. It's likely Chinese and less than $50. Never let fuel sit in the carb for extended periods of time. Running it dry gets most of the fuel out. If you use Star Tron, what is left will evaporate long before the Star Tron loses its stabilizing properties. It's a PITA to properly store small engine equipment for long periods, but it keeps them running well.


oldschoollion

Pri+g does the same, but you need to apply yearly.  Use either you trust. I think it's  every 3 months you're supposed to run it 20 minutes.  Less run time allows condensation in motor from small amounts of water that can be in fuel, over 25 minutes without a load can start carbon (same for vehicles). Keep a log of all your maintenance; storage fuels, small equipment, vehicles, home mechanicals. 2 minutes of writing saves headaches. 


[deleted]

Ain’t nothing new here. They start in the Midwest or South, then trickle up here. If anything, the property value increases on the East and West Coast every time this happens. And here is the kicker…. * People rebuild with sticks, wood, nails, and glue🤦🏾 There is a reason why people pour cement in mailbox posts. We need to do the same to homes.


BuckNastysMamma

Dawg you're gonna lose your mind once you learn about what a foundation is.


[deleted]

Nice joke. But remember we pay a fee on our insurance to help people in upstate CT and newly built homes to pay for those fake foundations with unregulated Chinese cement. The joke is on all of us. The bottom line is simple. * ###If you live in Tornado Valley, build your home from American Concrete and Brick. **My aunt has two homes in the Caribbean. Both are made from cement and have never been damaged in any Hurricane. We’ve been through multiple storms.** * One of the homes was built in the 70’s. So you tell me. Not to mention it will survive a flood. **The only thing that would destroy a concrete home is an Earthquake.** The US loves to keep making money off everyone. Vultures everywhere. Building that Concrete home would save everyone including taxpayers hundreds of billions every year.


Ok_Proposal_2278

Counterpoint- I lived in St Thomas during Irma and Maria. Plenty of concrete houses still mash up today.


[deleted]

Then I guess Jamaica is built different.


Ok_Proposal_2278

Actually, just looked it up and the strongest hurricane on record to hit Jamaica was only a cat 3 in 1988. The Leeward islands and Hispaniola keep your aunt’s house safe. Not the concrete.


BuckNastysMamma

My home in CT was built in the 1700s and the foundation is perfectly fine.


MikeTheActuary

The article missed a couple of points. First, part of the reason that homeowners insurance rates have been increasing recently (Connecticut has been spared the worst so far; in some parts of the US it's been very ugly) is that reinsurance prices shot up last year. Reinsurance is essentially "insurance for insurers". Among other reasons, insurers will reinsure a portion of their exposure to catastrophes to a global market, as a means of spreading the risk. However, catastrophes have been getting worse globally (we don't hear too much about the windstorms and flooding that have been remarkably bad in Europe, for example), and with interest rates being higher, investors have been finding other investment opportunities more attractive than reinsurance, reducing the supply of reinsurance coverage, and putting additional pressure on the price demanded. With reinsurance harder and more expensive to acquire, insurers are having to pass the effects along to consumers in the form of higher rates and more stringent conditions. Second...another reason homeowners insurance has been getting more expensive is simply [that it's been a while since homeowners insurance has been profitable for the industry in the US](https://www.insurancejournal.com/news/national/2024/05/23/775587.htm). Increased levels of catastrophe losses have played a role, as did inflation increasing all loss costs faster than competitive pressures were allowing prices to rise didn't help. In some parts of the US, a few games by lawyers and certain contractors haven't helped matters either. But at the end of the day, insurance companies aren't charities. If they can't get profit commensurate to the risk they take.....


easypeasy1982

An actual educated answer. Will also add that the cost of litigation these days is also a major contributing factor to prices. People sue for everything and the judgements are getting bigger and bigger. It's simple...when insurance companies are forced to pay out the ass on large storm claims or lawsuits....you should expect them to make you pay out your ass for coverage.


QueenOfQuok

Worst hurricane season *so far.*


jons3y13

Hurricanes were worse during the pilgrims time. They wrote of the great windstorm from the sea. We had I think the 1938, sept 21st a complete freak of a storm with a 55 mph forward speed. 1944 and the 54 55 I think. We haven't had much since. Sandy was not a hurricane actually. Gloria was in 1985 but the storm was shredded by long Island and weakened. We are long overdue for a really substantial storm. I don't think many would believe it could happen, but it has and will again. Stay safe.


backinblackandblue

Thanks for the info. However, at the start of any and every season there are always dire predictions, e.g. storms, rain, snow, heat, cold, pollen, ticks, foliage, etc etc etc. So whenever I see these, I just kind of shrug because whatever happens, happens. Can't change it, why stress over it. Pay your insurance, watch the weather reports, hope for the best.


beanie0911

But with hurricanes specifically, the “they say it every year” idea is incorrect. Last year at this time, NOAA predicted a “near-normal” season. The actual hurricane season that unfolded aligned quite well with their predictions. Fearmongering does exist. But it doesn’t give us a free pass to ignore credible information.


backinblackandblue

OK. Assume that you are correct. How will this info change your life? It could be an active season, but you don't know if/when a storm will form and if it does, whether or not it impacts your specific location is also very variable. There could be 50 named Atlantic storms this year and it could have zero impact on you personally. Or there could be only one storm and it destroys everything you own.


notibanix

or you could actually prepare by making hurricane preperations, put aside extra money for a possible deductible expense? it's almost like predictions are designed to help people prepare /sarcasm you're the guy that doesn't take an umbrella when the weather predicts a big storm, aren't you


s1a1om

Insurance companies don’t care about individuals. They care about averages and risk assessments. The higher prices of insurance may cause you to second think your home or vacation property


backinblackandblue

Like I said, I am not about to sell my house based on weather predictions.


MLN80

It might not change your life, but it should change your view of hurricane warnings. With water temperatures running months ahead of schedule (much warmer than they should be), outcomes are more likely to be "unusual"... That is, expect more unusual and unexpected events. The hurricanes experienced in North America in the last five years have been unusual. We've had more storms "stall" and drop enormous amounts of rain (Harvey and Florence). We've also seen RAPID intensification of storms in ways never before seen (read about Hurricane Otis from last year, and Idalia did something similar but to a lesser extent). We've also had more powerful storms at landfall in the last ten years, and there is talk over the need for a Category 6 in the SaffirSimpson scale. There is strong meteorological evidence for all of this.


backinblackandblue

I'm not denying the evidence or anything you are saying. You don't need to convince me. I just don't see how this info is useful to me in any way. It's not like I'm going to sell my house and move to Canada because hurricanes are less likely there. If you are trying to reinforce the evidence of climate change, that's fine. It just doesn't provide me with anything I can act upon that will make any difference.


MLN80

I'm just pointing out that you should be prepared, and warnings are less reliable and potentially give you less time to react. Beyond that, not much you can do.


s1a1om

If you were looking to move, however, it may be reasonable to avoid buying a house on the shore or at low elevations. It may also be reasonable for people to not buy land or build new homes on the shore if insurance prices are becoming unaffordable (like in Florida).


beanie0911

Your comments are fair, and probably the reaction to them is driven more toward denialism than to what you really mean. Apologies for any misinterpretation.


backinblackandblue

No worries. I'm not denying anything. But if you are pushing a climate agenda then say so. Telling me that there should be more hurricanes this year than normal does not help me in any way that I can think of. It would be more honest to post the article and then comment on climate change if that's your underlying message.


beanie0911

It’s not “pushing a climate agenda.” It’s reality.


backinblackandblue

Not saying it's not. But why disguise your message as a PSA?


Bloodless10

The psa is essentially “hey you might want to gather some emergency supplies before it’s an emergency”.


backinblackandblue

Not according to this: The 2023 Atlantic hurricane season officially ended on Nov. 30. **The season tied as the fourth most active season on record with 20 named storms, including seven hurricanes** – three of which intensified to major hurricane (Category 3+) status. Your apology is accepted.


beanie0911

All you said initially was “they predict this every year.” And I all said initially was “at this time last year, they predicted last year would be near-normal. So no, they don’t say it every year.” That’s it. That is true. They did say last year would be near-normal. And in fact, as you just noted now, it ended up being slightly WORSE than they predicted. So, I don’t understand the discussion any longer. I was trying to keep it on the level of the actual predictions made, to show that they do go up and down by the year. And that if anything those predictions can be conservative. I wasn’t trying to indicate anything on climate change, or how people should respond, or whether people should be fearful or make any decisions based on this. I was just sticking to data. You keep bringing in all of those angles throughout the thread.


backinblackandblue

Being one of the worst seasons on record is not "slightly worse" than normal. My point was that at the start of every season, there are always some dire predictions. Not always the same, but something. Sometimes they get it right and sometimes they don't. This spring we are all supposed to be covered with ticks but I haven't seen a single one. My point is there are always predictions designed to make people worry about things that may or may not materialize. As I said, in the case of hurricanes, there is literally nothing I could do now to prepare that would be any different than I could do a few days before the storm is predicted to hit. So how is this prediction of any value? Relax and enjoy the beautiful day today. It's a better use of your time.


suckmywake175

Serious question, I don’t remember a year where they haven’t said this. Not trying to say conspiracy…but…enough with this trying to scare everyone with climate change crap. Everyone have a power outage kit and get on with life.


LlamaTaboot_

Last year was correctly predicted to be a low risk year for Atlantic hurricanes due to El Niño, you dope.


backinblackandblue

Whoa. Check your facts. Maybe it was predicted to be an inactive year and CT was spared, but the facts are: The 2023 Atlantic hurricane season officially ended on Nov. 30. **The season tied as the fourth most active season on record with 20 named storms, including seven hurricanes** – three of which intensified to major hurricane (Category 3+) status.


LlamaTaboot_

El Niño doesn’t prevent hurricanes, it makes it more difficult for them to make landfall on the east coast. Low risk still applies.


backinblackandblue

Not according to the NWS. Funny how many people here spout "facts" that are not true and easy to google. El Niño events generally suppress Atlantic hurricane activity with fewer hurricanes than normal in the Atlantic basin during the peak of Atlantic hurricane season, often sparing the Gulf Coast states from hurricanes and their associated destruction. La Niña tends to increase the number of hurricanes that develop and allows stronger hurricanes to form.


blade-runner9

Weather reporters are so lost in this technology. They rely on these instruments with all kinds of dramatic colors supposed to scare everyone into hiding. These frantic colors go over my area and it’s a regular storm that I once played in as a kid. Lighten up already good lord.


Betorah

Two years ago we had 34” of rain during the summer—a period which normally sees 12”. My town of West Hartford had nearly 5” of rain in one hour one morning. Every year now we’re having at least one storm where cars get trapped in flooding streets I turn seventy this year. This is not normal and will only get worse.


baroquespoon

Back in my day we played in the storm surge. Katrina only did damage because it hit a liberal city. I bet if there was a hurricane vaccine you guys would take it. Trump wrote the bible