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...they are all here surveying the situation and telling everyone that help is on the way. But, it's been four days since hurricane Charley made land fall and trees are down across major roads, south west Florida remains under martial law with all the harassment that that entails, many (25%+) Orlando/Winter Park residents are still are without electricity, gasoline is being rationed, it's almost as if the president and the republican power elite came into the state, took their photo opportunities, said a few encouraging words and then departed, convinced that the natural laws of supply-side economics and faith based initiatives would do the rest. Meanwhile, people with damaged and destroyed homes are getting the shock of their lives reading the fine print that anywhere from 2% to 7% of the insured value of their homes represent the out-of-pocket special hurricane deductible. So, if you live in a home that is insured for $200,000 to the structure and your deductible is 2%, your out-of-pocket will be $4,000.00 while the contents if insured for $75,000 will have a $1,500.00 deductible. Total out-of-pocket deductible for any amount of damage starts with $5,500.00 before the insurance company even bothers to come out.
That one came in under Jeb Bush, two years ago even while premiums rose 30% to 50% for most home owners. Also, before Bonnie or Charley even made land-fall on Thursday in Florida, Governor Bush declared the entire state of Florida as being in a state of emergency and hurricane threat. This was to initiate evacuation procedures and give the police, fire departments and other local safety people the authority to take maesures to protect people and property. This also made all property in the paths of the two storms that would potentially have damage claims to automatically come under the special conditions of the hurricane deductibles as most policies contain normal deductibles of $500 or less for tornado damage and the like. The eye of Hurricane Charley had already left my area at 8:30PM on Friday when our community was hit by a twister some time around 11:00PM. That was when the damages occurred in my neighborhood, but the governor's premature natural disaster covers the insurance companies. The CEO's from the insurance companies are throwing a big party for the governor in Tallahassee FL right now.:grr:
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