02-18-2021, 07:10 AM
15 posts, read
14,877 times
Reputation: 25
Easy. The more people moving here and buying houses the more risk of claims and actual claims. That reality is fraught with potential gouging...from attorneys included, but keep in mind, if people were not gleefully and hurried in becoming the wave of house buyers and thereby customers, there would not even be customers for the insurance companies to fleece willy-nilly. The more residential "customers", the MORE claims - some legitimate claims from decent and honest new residents, some from illegitimate crooks and opportunists who made their way here as well
02-18-2021, 07:25 AM
15 posts, read
14,877 times
Reputation: 25
Quote:
Originally Posted by
srq57
Most insurance carriers raise rates every year . They know what an inconvenience it is to change carriers. It doesn't hurt to shop around and change carriers if need be.
This is true no doubt. They have a captive clientele, and obtain a brand new group of chumps clamoring for coverage every day, every month, every year because the invasion of transplants wanting to move to sunny Florida.
There is no incentive to reduce rates! Why would they? when the risk pool is expanding and PAYING?? (thus the likelihood of more claims?)
Nay, it's like shooting fish in a barrel for them. It's also like shooting fish in a barrel for attorneys! Everyone 'wins' - except the local longtime consumer and citizen. Newcomers are used to getting screwed by rates, and they (ins companies) know that too.
02-18-2021, 08:50 AM
78,382 posts, read
60,566,039 times
Reputation: 49653
Many folks have absolutely zero clue about how insurance rates are formed and regulated.
Most insurers only offer HOI in FL because if they stopped, the state would make them stop selling auto insurance and everything else as well.
Let that sink in eh? Your state department of insurance basically has to force insurance companies to sell HOI there. If you think insurers are making money over the long run there selling HOI, I have some swamp land to sell you. (This is in general, there are of course some niche insurers out there selling in limited geographies and so forth.).
02-19-2021, 06:52 AM
15 posts, read
14,877 times
Reputation: 25
Nope. Property and Casualty Companies in Florida aren't the same as Personal Lines. The licenses and regulations/corp structure aren't the same. Many personal lines companies don't sell much P&C.
Health insurers are another ball of wax.
Also, with all of the forbearance/foreclosures now in FL, P&C/Mortgage companies are writing "forced insurance" at absolutely criminally high prices and charging the homeowners on top of their principal and interest. Pure add-on profit! The P&C companies always get paid/reimbursed even when the house is sold/auctioned- it's a contracted/required element contained in all mortgage agreements between banks and borrowers.
02-27-2021, 07:04 AM
16 posts, read
36,070 times
Reputation: 23
^^^this
08-02-2021, 08:05 AM
37,315 posts, read
59,854,747 times
Reputation: 25341
Quote:
Originally Posted by
Ladywithafan
Florida’s Property Insurance Market Is ‘Spiraling Towards Collapse’ Due to Litigation: Report
Article Link:
https://www.insurancejournal.com/new.../20/598034.htm
Article Highlights:
- Florida’s property insurance market is “spiraling towards collapse” and requires immediate attention if there is any chance of protecting the market, consumers, and ultimately, the state’s economy, according to an analysis about to be presented to the Florida Legislature.
- Report Findings
§ Litigation frequency and severity represents an additional expense load of 17% and rising on all earned premiums for insurers in Florida, compared to other catastrophe-prone states.
§ The fees paid to attorneys by Florida carriers far exceed the damages paid to the insureds.
§ In 2019 alone, Florida insurers paid almost $3 billion in lawsuit costs that translated into higher premiums for consumers.
§ Although the volume of claims after storms is a factor in costs, claims unrelated to catastrophes account for approximately 60% of all litigation.
§ Florida consumers are paying a “hidden tax” to fund the litigation, which averaged about $680.00 per family in 2020.
- The report identifies four Florida laws passed between 2011 and 2019 as fostering the litigation crisis. They are laws governing assignment agreements, mandatory replacement cost coverage for residential roofs, multi-year statute of limitations to file a first notice of loss and one-way attorney fees.
- Additionally, two Florida Supreme Court decisions – Joyce vs. FedNat (2017) which found that a contingency fee multiplier does not need to be reserved for rare and exceptional circumstances; and Sebo vs. American Home Assurance (2016) where the court shifted using the Concurrent Causation Doctrine that permits a covered cause of loss (such as wind) to combine with damage caused by non-covered cause of loss – helped propel the market towards this crisis.
- The litigation environment has insurance companies steadily hemorrhaging capital and surplus. The Report states that roughly 6% of homeowner’s insurance claims being litigated are equal to the cost of a “good solid Cat. 3 hurricane” every 12 months.
- The best reforms would include terminating any attorney contingency fee statutes that create arrangements unique to the insurance industry, followed by eliminating fee enhancements, particularly from litigation reliant upon the Concurrent Causation in order to prevail, the report states.
- Report Recommendations / Solutions
§ A total reversal of the statute that currently applies to all claim disputes placing responsibility on insurers to pay 100% of litigation costs when a plaintiff prevails by $1.00. The language of the statute should be replaced with former U.S. Supreme Court Justice Antonin Scalia’s opinion that fee multipliers only be used on a “rare and exceptional” basis and never used for punitive measures.
§ Changes to attorney fee arrangements so they are awarded on policy limits and damages awarded to claimants; establish range of limits to one-way property fee awards.
§ Change the 3-year First Notice of Loss deadline, to one year.
§ Enact pre-suit mediation or alternative dispute resolution, modeled after Citizens.
§ Allow excluded or non-covered damages to remain non-covered.
§ Consolidate litigated cases so multiple suits are not filed for the same property.
§ Eliminate building tradesmen (i.e., roofing contractors) from speaking on behalf of an insured without the insured’s involvement.
- While Florida has faced three consecutive years of major hurricanes from 2017 to 2020, insurance companies have insisted that the insurance problems are tied to an exponential increase in litigation.
- Florida domestic insurance companies’ results have shown a continued drop in surplus over the last five years that culminated in a single year underwriting loss of more than $1 billion through the third quarter of 2020.
- Insurance Companies writing property risks in the state have been responding by pulling back capacity in certain areas, including south Florida and more recently central Florida, along with filing for rate increases. Insurance Companies have submitted 105 rate filings in 2020 for increases of 10% or more and 55 of those filing were approved; in 2016 only six rate increases were approved.
- Insurance Companies have racked up more than 200,000 lawsuits since 2013, many of them stemming from non-catastrophe water damage and roofing claims, and many of them with assignment of benefits agreements attached. After reforms were passed in 2019, there was a dip in Assignment of Benefits (AOB) lawsuits, particularly for Citizens. However, by the third quarter of 2020 plaintiff attorneys had established a work around to the AOB with a “Demand to Pay”, instead filing first party suits against insurance companies.
- Non-catastrophe claims have accounted for 60% of all litigation filed against Florida domestic companies, while 40% of the litigation is associated with catastrophic losses.
- The fees paid to attorneys by Florida insurance companies for litigation are on average more than 750% of the damages paid to the plaintiffs/consumer. In one case, the plaintiff attorney was awarded 21,041% of the damages in fees.
- Insurance Companies have paid out more than $12 billion in fees to attorneys since 2013 and were engaged in more than 221,000 suits from 2014 to 2020, according to the report. The costs of all this litigation equals approximately $3 billion in expenses being forced upon Florida property owners.
- In 2019 alone, Florida consumers (insureds) paid between $2 billion and $2.7 billion in costs allocated to suits in the form of increased premiums.
- According to the report, just 8% of the damages are paid to the consumers (insureds) while plaintiff attorneys receive about 71% of the insurance litigation cash flow “because they are allowed to, not because plaintiff attorneys are motived to do harm”.
- Insurance Companies defense costs range from 237% to 307% of damages, or 21% of total litigation.
- Florida Insurance Companies pay 30% to 35% more on reinsurance premiums than other hurricane prone states.
- Insurance companies have underestimated preliminary damages immediately following a hurricane by an average of 300% because of unforeseen litigation costs and that is also influencing reinsurance rates.
- Florida consumers are the ultimate victims of what is happening. Consumers are essentially paying a “hidden tax” to fund the litigation. This hidden tax averaged $487.00 per family in 2019, and is growing annually by 25.6%, totaling about $680.00 per family in 2020. The “tax” is being paid to less than 2,500 attorneys and contractors in the state.
- Regardless of whether it’s a catastrophe claim or not, 92.5% of all claims are closed within a year; 80% of the claims that require more than one year involve representation by a third party.
Florida Marketplace Statistics not listed in the attached article:
- Since August, four companies – Capitol Preferred Insurance Company, Southern Fidelity Insurance Company, First Community Insurance Company and Centauri Specialty Insurance Company have participated in hearings for rate increase requests ranging from 25% to just below 40%.
- Reinsurers have responded to the Florida market’s increasing losses and exposure with the highest spike in renewal rates since 2006. Reinsurance rate increases on average this year is 25% to 30%, with some companies seeing as much as a 50% increase.
- New policies to Citizens have increased from 7,770 policyholders to 17,691 per month over the past 12 months. 443,228 policies in January 2020 to 511,004 by September – an increase of $111.7 billion in exposure to $133.5 billion. As of December, Citizens total policy count is now 537,000.
- In 2019, Citizens wrote 4% of the policyholders while Florida-based domestics wrote 72% and national writers plus their affiliates wrote 24%.
- By the end of 2019, Citizens had a combined surplus of $6.3 billion, supporting approximately $102 billion in Total Insured Value, while the entire surplus of Florida-based domestic insurance companies was approximately $4.25 billion, supporting just under $1.67 trillion in Total Insured Value.
- Number of insurance companies operating in Florida has declined from 290 in 1995 to 165 in 2019.
Should be run DAILY in every FL newspaper, on OAN and MSBC with local OTA channels too
The FL legislature is doing this to their own people!
08-02-2021, 02:45 PM
Location: USA
9,121 posts, read
6,174,802 times
Reputation: 29929
Quote:
Originally Posted by
srq57
Most insurance carriers raise rates every year. They know what an inconvenience it is to change carriers. It doesn't hurt to shop around and change carriers if need be.
Could the fact that your house is now worth more than last year have an impact on your insurance premiums? Do increased costs of building materials have any impact on the cost of repairing your home?
Think about why premiums go up.
08-02-2021, 06:47 PM
9 posts, read
15,714 times
Reputation: 85
Quote:
Originally Posted by
Concert D Major
Plus, Florida state politics is very far right-wing conservative, so they basically do stuff that favors the business over the consumer, including insurance.
From your lips to God’s ears!
08-02-2021, 08:19 PM
Location: Free State of Florida
25,728 posts, read
12,800,389 times
Reputation: 19290
If you own your home outright (no mortgage), you are not forced to buy HOI. That's ~60% of Floridians.
If you have no mortgage, but having a large loss could wipe you out financially, then I suggest keeping your HOI, even if it goes up.
For me, & many Florida homeowners, the loss would not be devastating, so if mine goes up, I might cancel it and self-insure instead.
I almost cancelled the flood coverage this year, but since it didnt go up much, I kept it. Next year, I'll re-assess.
08-03-2021, 05:03 AM
Location: Free State of Florida
25,728 posts, read
12,800,389 times
Reputation: 19290
Quote:
Originally Posted by
Marion Marlowe
Easy. The more people moving here and buying houses the more risk of claims and actual claims. That reality is fraught with potential gouging...from attorneys included, but keep in mind, if people were not gleefully and hurried in becoming the wave of house buyers and thereby customers, there would not even be customers for the insurance companies to fleece willy-nilly. The more residential "customers", the MORE claims - some legitimate claims from decent and honest new residents, some from illegitimate crooks and opportunists who made their way here as well
However, the more customers, the more people & premiums to spread out the risk out over. The larger the risk pool the better.
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.
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Educational Attainment - No schooling completed (%)
Educational Attainment - Less than high school (%)
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School Enrollment - Nursery, preschool (%)
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School enrollment - Public schools (%)
School enrollment - Private schools (%)
School enrollment - Not enrolled (%)
Median number of rooms in houses and condos
Median number of rooms in apartments
Housing units lacking complete plumbing facilities (%)
Housing units lacking complete kitchen facilities (%)
Density of houses
Urban houses (%)
Rural houses (%)
Households with people 60 years and over (%)
Households with people 65 years and over (%)
Households with people 75 years and over (%)
Households with one or more nonrelatives (%)
Households with no nonrelatives (%)
Population in households (%)
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Nonfamily households (%)
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Median number of bedrooms in owner occupied houses
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Mortgage status - with mortgage (%)
Mortgage status - with second mortgage (%)
Mortgage status - with home equity loan (%)
Mortgage status - with both second mortgage and home equity loan (%)
Mortgage status - without a mortgage (%)
Average family size
Average family size - White
Average family size - Black or African American
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Average family size - Hispanic or Latino
Average family size - American Indian and Alaska Native
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Average family size - Other Race
Geographical mobility - Same house 1 year ago (%)
Geographical mobility - Moved within same county (%)
Geographical mobility - Moved from different county within same state (%)
Geographical mobility - Moved from different state (%)
Geographical mobility - Moved from abroad (%)
Place of birth - Born in state of residence (%)
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Housing units in structures - 1, detached (%)
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Housing units in structures - 2 (%)
Housing units in structures - 3 or 4 (%)
Housing units in structures - 5 to 9 (%)
Housing units in structures - 10 to 19 (%)
Housing units in structures - 20 to 49 (%)
Housing units in structures - 50 or more (%)
Housing units in structures - Mobile home (%)
Housing units in structures - Boat, RV, van, etc. (%)
House/condo owner moved in on average (years ago)
Renter moved in on average (years ago)
Year householder moved into unit - Moved in 1999 to March 2000 (%)
Year householder moved into unit - Moved in 1995 to 1998 (%)
Year householder moved into unit - Moved in 1990 to 1994 (%)
Year householder moved into unit - Moved in 1980 to 1989 (%)
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Year householder moved into unit - Moved in 1969 or earlier (%)
Means of transportation to work - Drove car alone (%)
Means of transportation to work - Carpooled (%)
Means of transportation to work - Public transportation (%)
Means of transportation to work - Bus or trolley bus (%)
Means of transportation to work - Streetcar or trolley car (%)
Means of transportation to work - Subway or elevated (%)
Means of transportation to work - Railroad (%)
Means of transportation to work - Ferryboat (%)
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Means of transportation to work - Motorcycle (%)
Means of transportation to work - Bicycle (%)
Means of transportation to work - Walked (%)
Means of transportation to work - Other means (%)
Working at home (%)
Industry diversity
Most Common Industries - Agriculture, forestry, fishing and hunting, and mining (%)
Most Common Industries - Agriculture, forestry, fishing and hunting (%)
Most Common Industries - Mining, quarrying, and oil and gas extraction (%)
Most Common Industries - Construction (%)
Most Common Industries - Manufacturing (%)
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Most Common Industries - Finance and insurance (%)
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Most Common Industries - Arts, entertainment, and recreation (%)
Most Common Industries - Accommodation and food services (%)
Most Common Industries - Other services, except public administration (%)
Most Common Industries - Public administration (%)
Occupation diversity
Most Common Occupations - Management, business, science, and arts occupations (%)
Most Common Occupations - Management, business, and financial occupations (%)
Most Common Occupations - Management occupations (%)
Most Common Occupations - Business and financial operations occupations (%)
Most Common Occupations - Computer, engineering, and science occupations (%)
Most Common Occupations - Computer and mathematical occupations (%)
Most Common Occupations - Architecture and engineering occupations (%)
Most Common Occupations - Life, physical, and social science occupations (%)
Most Common Occupations - Education, legal, community service, arts, and media occupations (%)
Most Common Occupations - Community and social service occupations (%)
Most Common Occupations - Legal occupations (%)
Most Common Occupations - Education, training, and library occupations (%)
Most Common Occupations - Arts, design, entertainment, sports, and media occupations (%)
Most Common Occupations - Healthcare practitioners and technical occupations (%)
Most Common Occupations - Health diagnosing and treating practitioners and other technical occupations (%)
Most Common Occupations - Health technologists and technicians (%)
Most Common Occupations - Service occupations (%)
Most Common Occupations - Healthcare support occupations (%)
Most Common Occupations - Protective service occupations (%)
Most Common Occupations - Fire fighting and prevention, and other protective service workers including supervisors (%)
Most Common Occupations - Law enforcement workers including supervisors (%)
Most Common Occupations - Food preparation and serving related occupations (%)
Most Common Occupations - Building and grounds cleaning and maintenance occupations (%)
Most Common Occupations - Personal care and service occupations (%)
Most Common Occupations - Sales and office occupations (%)
Most Common Occupations - Sales and related occupations (%)
Most Common Occupations - Office and administrative support occupations (%)
Most Common Occupations - Natural resources, construction, and maintenance occupations (%)
Most Common Occupations - Farming, fishing, and forestry occupations (%)
Most Common Occupations - Construction and extraction occupations (%)
Most Common Occupations - Installation, maintenance, and repair occupations (%)
Most Common Occupations - Production, transportation, and material moving occupations (%)
Most Common Occupations - Production occupations (%)
Most Common Occupations - Transportation occupations (%)
Most Common Occupations - Material moving occupations (%)
People in Group quarters - Institutionalized population (%)
People in Group quarters - Correctional institutions (%)
People in Group quarters - Federal prisons and detention centers (%)
People in Group quarters - Halfway houses (%)
People in Group quarters - Local jails and other confinement facilities (including police lockups) (%)
People in Group quarters - Military disciplinary barracks (%)
People in Group quarters - State prisons (%)
People in Group quarters - Other types of correctional institutions (%)
People in Group quarters - Nursing homes (%)
People in Group quarters - Hospitals/wards, hospices, and schools for the handicapped (%)
People in Group quarters - Hospitals/wards and hospices for chronically ill (%)
People in Group quarters - Hospices or homes for chronically ill (%)
People in Group quarters - Military hospitals or wards for chronically ill (%)
People in Group quarters - Other hospitals or wards for chronically ill (%)
People in Group quarters - Hospitals or wards for drug/alcohol abuse (%)
People in Group quarters - Mental (Psychiatric) hospitals or wards (%)
People in Group quarters - Schools, hospitals, or wards for the mentally retarded (%)
People in Group quarters - Schools, hospitals, or wards for the physically handicapped (%)
People in Group quarters - Institutions for the deaf (%)
People in Group quarters - Institutions for the blind (%)
People in Group quarters - Orthopedic wards and institutions for the physically handicapped (%)
People in Group quarters - Wards in general hospitals for patients who have no usual home elsewhere (%)
People in Group quarters - Wards in military hospitals for patients who have no usual home elsewhere (%)
People in Group quarters - Juvenile institutions (%)
People in Group quarters - Long-term care (%)
People in Group quarters - Homes for abused, dependent, and neglected children (%)
People in Group quarters - Residential treatment centers for emotionally disturbed children (%)
People in Group quarters - Training schools for juvenile delinquents (%)
People in Group quarters - Short-term care, detention or diagnostic centers for delinquent children (%)
People in Group quarters - Type of juvenile institution unknown (%)
People in Group quarters - Noninstitutionalized population (%)
People in Group quarters - College dormitories (includes college quarters off campus) (%)
People in Group quarters - Military quarters (%)
People in Group quarters - On base (%)
People in Group quarters - Barracks, unaccompanied personnel housing (UPH), (Enlisted/Officer), ;and similar group living quarters for military personnel (%)
People in Group quarters - Transient quarters for temporary residents (%)
People in Group quarters - Military ships (%)
People in Group quarters - Group homes (%)
People in Group quarters - Homes or halfway houses for drug/alcohol abuse (%)
People in Group quarters - Homes for the mentally ill (%)
People in Group quarters - Homes for the mentally retarded (%)
People in Group quarters - Homes for the physically handicapped (%)
People in Group quarters - Other group homes (%)
People in Group quarters - Religious group quarters (%)
People in Group quarters - Dormitories (%)
People in Group quarters - Agriculture workers' dormitories on farms (%)
People in Group quarters - Job Corps and vocational training facilities (%)
People in Group quarters - Other workers' dormitories (%)
People in Group quarters - Crews of maritime vessels (%)
People in Group quarters - Other nonhousehold living situations (%)
People in Group quarters - Other noninstitutional group quarters (%)
Residents speaking English at home (%)
Residents speaking English at home - Born in the United States (%)
Residents speaking English at home - Native, born elsewhere (%)
Residents speaking English at home - Foreign born (%)
Residents speaking Spanish at home (%)
Residents speaking Spanish at home - Born in the United States (%)
Residents speaking Spanish at home - Native, born elsewhere (%)
Residents speaking Spanish at home - Foreign born (%)
Residents speaking other language at home (%)
Residents speaking other language at home - Born in the United States (%)
Residents speaking other language at home - Native, born elsewhere (%)
Residents speaking other language at home - Foreign born (%)
Class of Workers - Employee of private company (%)
Class of Workers - Self-employed in own incorporated business (%)
Class of Workers - Private not-for-profit wage and salary workers (%)
Class of Workers - Local government workers (%)
Class of Workers - State government workers (%)
Class of Workers - Federal government workers (%)
Class of Workers - Self-employed workers in own not incorporated business and Unpaid family workers (%)
House heating fuel used in houses and condos - Utility gas (%)
House heating fuel used in houses and condos - Bottled, tank, or LP gas (%)
House heating fuel used in houses and condos - Electricity (%)
House heating fuel used in houses and condos - Fuel oil, kerosene, etc. (%)
House heating fuel used in houses and condos - Coal or coke (%)
House heating fuel used in houses and condos - Wood (%)
House heating fuel used in houses and condos - Solar energy (%)
House heating fuel used in houses and condos - Other fuel (%)
House heating fuel used in houses and condos - No fuel used (%)
House heating fuel used in apartments - Utility gas (%)
House heating fuel used in apartments - Bottled, tank, or LP gas (%)
House heating fuel used in apartments - Electricity (%)
House heating fuel used in apartments - Fuel oil, kerosene, etc. (%)
House heating fuel used in apartments - Coal or coke (%)
House heating fuel used in apartments - Wood (%)
House heating fuel used in apartments - Solar energy (%)
House heating fuel used in apartments - Other fuel (%)
House heating fuel used in apartments - No fuel used (%)
Armed forces status - In Armed Forces (%)
Armed forces status - Civilian (%)
Armed forces status - Civilian - Veteran (%)
Armed forces status - Civilian - Nonveteran (%)
Fatal accidents locations in years 2005-2021
Fatal accidents locations in 2005
Fatal accidents locations in 2006
Fatal accidents locations in 2007
Fatal accidents locations in 2008
Fatal accidents locations in 2009
Fatal accidents locations in 2010
Fatal accidents locations in 2011
Fatal accidents locations in 2012
Fatal accidents locations in 2013
Fatal accidents locations in 2014
Fatal accidents locations in 2015
Fatal accidents locations in 2016
Fatal accidents locations in 2017
Fatal accidents locations in 2018
Fatal accidents locations in 2019
Fatal accidents locations in 2020
Fatal accidents locations in 2021
Alcohol use - People drinking some alcohol every month (%)
Alcohol use - People not drinking at all (%)
Alcohol use - Average days/month drinking alcohol
Alcohol use - Average drinks/week
Alcohol use - Average days/year people drink much
Audiometry - Average condition of hearing (%)
Audiometry - People that can hear a whisper from across a quiet room (%)
Audiometry - People that can hear normal voice from across a quiet room (%)
Audiometry - Ears ringing, roaring, buzzing (%)
Audiometry - Had a job exposure to loud noise (%)
Audiometry - Had off-work exposure to loud noise (%)
Blood Pressure & Cholesterol - Has high blood pressure (%)
Blood Pressure & Cholesterol - Checking blood pressure at home (%)
Blood Pressure & Cholesterol - Frequently checking blood cholesterol (%)
Blood Pressure & Cholesterol - Has high cholesterol level (%)
Consumer Behavior - Money monthly spent on food at supermarket/grocery store
Consumer Behavior - Money monthly spent on food at other stores
Consumer Behavior - Money monthly spent on eating out
Consumer Behavior - Money monthly spent on carryout/delivered foods
Consumer Behavior - Income spent on food at supermarket/grocery store (%)
Consumer Behavior - Income spent on food at other stores (%)
Consumer Behavior - Income spent on eating out (%)
Consumer Behavior - Income spent on carryout/delivered foods (%)
Current Health Status - General health condition (%)
Current Health Status - Blood donors (%)
Current Health Status - Has blood ever tested for HIV virus (%)
Current Health Status - Left-handed people (%)
Dermatology - People using sunscreen (%)
Diabetes - Diabetics (%)
Diabetes - Had a blood test for high blood sugar (%)
Diabetes - People taking insulin (%)
Diet Behavior & Nutrition - Diet health (%)
Diet Behavior & Nutrition - Milk product consumption (# of products/month)
Diet Behavior & Nutrition - Meals not home prepared (#/week)
Diet Behavior & Nutrition - Meals from fast food or pizza place (#/week)
Diet Behavior & Nutrition - Ready-to-eat foods (#/month)
Diet Behavior & Nutrition - Frozen meals/pizza (#/month)
Drug Use - People that ever used marijuana or hashish (%)
Drug Use - Ever used hard drugs (%)
Drug Use - Ever used any form of cocaine (%)
Drug Use - Ever used heroin (%)
Drug Use - Ever used methamphetamine (%)
Health Insurance - People covered by health insurance (%)
Kidney Conditions-Urology - Avg. # of times urinating at night
Medical Conditions - People with asthma (%)
Medical Conditions - People with anemia (%)
Medical Conditions - People with psoriasis (%)
Medical Conditions - People with overweight (%)
Medical Conditions - Elderly people having difficulties in thinking or remembering (%)
Medical Conditions - People who ever received blood transfusion (%)
Medical Conditions - People having trouble seeing even with glass/contacts (%)
Medical Conditions - People with arthritis (%)
Medical Conditions - People with gout (%)
Medical Conditions - People with congestive heart failure (%)
Medical Conditions - People with coronary heart disease (%)
Medical Conditions - People with angina pectoris (%)
Medical Conditions - People who ever had heart attack (%)
Medical Conditions - People who ever had stroke (%)
Medical Conditions - People with emphysema (%)
Medical Conditions - People with thyroid problem (%)
Medical Conditions - People with chronic bronchitis (%)
Medical Conditions - People with any liver condition (%)
Medical Conditions - People who ever had cancer or malignancy (%)
Mental Health - People who have little interest in doing things (%)
Mental Health - People feeling down, depressed, or hopeless (%)
Mental Health - People who have trouble sleeping or sleeping too much (%)
Mental Health - People feeling tired or having little energy (%)
Mental Health - People with poor appetite or overeating (%)
Mental Health - People feeling bad about themself (%)
Mental Health - People who have trouble concentrating on things (%)
Mental Health - People moving or speaking slowly or too fast (%)
Mental Health - People having thoughts they would be better off dead (%)
Oral Health - Average years since last visit a dentist
Oral Health - People embarrassed because of mouth (%)
Oral Health - People with gum disease (%)
Oral Health - General health of teeth and gums (%)
Oral Health - Average days a week using dental floss/device
Oral Health - Average days a week using mouthwash for dental problem
Oral Health - Average number of teeth
Pesticide Use - Households using pesticides to control insects (%)
Pesticide Use - Households using pesticides to kill weeds (%)
Physical Activity - People doing vigorous-intensity work activities (%)
Physical Activity - People doing moderate-intensity work activities (%)
Physical Activity - People walking or bicycling (%)
Physical Activity - People doing vigorous-intensity recreational activities (%)
Physical Activity - People doing moderate-intensity recreational activities (%)
Physical Activity - Average hours a day doing sedentary activities
Physical Activity - Average hours a day watching TV or videos
Physical Activity - Average hours a day using computer
Physical Functioning - People having limitations keeping them from working (%)
Physical Functioning - People limited in amount of work they can do (%)
Physical Functioning - People that need special equipment to walk (%)
Physical Functioning - People experiencing confusion/memory problems (%)
Physical Functioning - People requiring special healthcare equipment (%)
Prescription Medications - Average number of prescription medicines taking
Preventive Aspirin Use - Adults 40+ taking low-dose aspirin (%)
Reproductive Health - Vaginal deliveries (%)
Reproductive Health - Cesarean deliveries (%)
Reproductive Health - Deliveries resulted in a live birth (%)
Reproductive Health - Pregnancies resulted in a delivery (%)
Reproductive Health - Women breastfeeding newborns (%)
Reproductive Health - Women that had a hysterectomy (%)
Reproductive Health - Women that had both ovaries removed (%)
Reproductive Health - Women that have ever taken birth control pills (%)
Reproductive Health - Women taking birth control pills (%)
Reproductive Health - Women that have ever used Depo-Provera or injectables (%)
Reproductive Health - Women that have ever used female hormones (%)
Sexual Behavior - People 18+ that ever had sex (vaginal, anal, or oral) (%)
Sexual Behavior - Males 18+ that ever had vaginal sex with a woman (%)
Sexual Behavior - Males 18+ that ever performed oral sex on a woman (%)
Sexual Behavior - Males 18+ that ever had anal sex with a woman (%)
Sexual Behavior - Males 18+ that ever had any sex with a man (%)
Sexual Behavior - Females 18+ that ever had vaginal sex with a man (%)
Sexual Behavior - Females 18+ that ever performed oral sex on a man (%)
Sexual Behavior - Females 18+ that ever had anal sex with a man (%)
Sexual Behavior - Females 18+ that ever had any kind of sex with a woman (%)
Sexual Behavior - Average age people first had sex
Sexual Behavior - Average number of female sex partners in lifetime (males 18+)
Sexual Behavior - Average number of female vaginal sex partners in lifetime (males 18+)
Sexual Behavior - Average age people first performed oral sex on a woman (18+)
Sexual Behavior - Average number of woman performed oral sex on in lifetime (18+)
Sexual Behavior - Average number of male sex partners in lifetime (males 18+)
Sexual Behavior - Average number of male anal sex partners in lifetime (males 18+)
Sexual Behavior - Average age people first performed oral sex on a man (18+)
Sexual Behavior - Average number of male oral sex partners in lifetime (18+)
Sexual Behavior - People using protection when performing oral sex (%)
Sexual Behavior - Average number of times people have vaginal or anal sex a year
Sexual Behavior - People having sex without condom (%)
Sexual Behavior - Average number of male sex partners in lifetime (females 18+)
Sexual Behavior - Average number of male vaginal sex partners in lifetime (females 18+)
Sexual Behavior - Average number of female sex partners in lifetime (females 18+)
Sexual Behavior - Circumcised males 18+ (%)
Sleep Disorders - Average hours sleeping at night
Sleep Disorders - People that has trouble sleeping (%)
Smoking-Cigarette Use - People smoking cigarettes (%)
Taste & Smell - People 40+ having problems with smell (%)
Taste & Smell - People 40+ having problems with taste (%)
Taste & Smell - People 40+ that ever had wisdom teeth removed (%)
Taste & Smell - People 40+ that ever had tonsils teeth removed (%)
Taste & Smell - People 40+ that ever had a loss of consciousness because of a head injury (%)
Taste & Smell - People 40+ that ever had a broken nose or other serious injury to face or skull (%)
Taste & Smell - People 40+ that ever had two or more sinus infections (%)
Weight - Average height (inches)
Weight - Average weight (pounds)
Weight - Average BMI
Weight - People that are obese (%)
Weight - People that ever were obese (%)
Weight - People trying to lose weight (%)