[Rabflmom]

Originally Posted by expatCA

Additional fees are typical everywhere. Insurance rates may rise, but if after a year no major storms hit then competitive pricing will occur again. These are things we have to plan on no matter where we live.

Now as to Greed, sure just as so much of the beach is not easy to get to because of all the houses along the beaches with no way to get to the each, if you could even find parking. This is one area where CA excels in making beach access great compared to FL. Money/Donations/Bribes to politicians in effect gave homeowners private beaches.

No it won't. Homeowner's insurance has not gone down after the 2004 hurricanes. Every year they go up a little more. FPL and your auto insurance may also tack on a hurricane fee like they did in 2004, too.

I have always wondered if after Hurricane Sandy hit in NY did the insurance companies double the cost of a policy like they did in Florida? Did they then stop selling policies in that state like they did here and then cancel your insurance? Does NY now have a hurricane deductible separate from regular homeowner's insurance?

BTW All of Florida does not have or even allow private beaches. We have 60 miles of beaches in Brevard County that have great beach access provided either by the county or the city/town on the beach. County parks even have free parking for the most part. City beaches sometimes have meters. No property on the beach owns the sand or water access and cannot keep people off the beach behind their house or building. Most of the rest of the counties are pretty similar on Florida's East Coast until you get to the to Palm Beach County area then you can still get to the beach-even behind the mansions. You are right though you do have to find a place and walk to beach down there sometimes. West coast is somewhat iffier about beach access. I know years ago we were told to get off the beach by residents of a condo. don't know if they have private beaches over there or not, but they have a lot with easy access .

[expatCA]

Originally Posted by Rabflmom

No it won't. Homeowner's insurance has not gone down after the 2004 hurricanes. Every year they go up a little more. FPL and your auto insurance may also tack on a hurricane fee like they did in 2004, too.

I have always wondered if after Hurricane Sandy hit in NY did the insurance companies double the cost of a policy like they did in Florida? Did they then stop selling policies in that state like they did here and then cancel your insurance? Does NY now have a hurricane deductible separate from regular homeowner's insurance?

BTW All of Florida does not have or even allow private beaches. We have 60 miles of beaches in Brevard County that have great beach access provided either by the county or the city/town on the beach. County parks even have free parking for the most part. City beaches sometimes have meters. No property on the beach owns the sand or water access and cannot keep people off the beach behind their house or building. Most of the rest of the counties are pretty similar on Florida's East Coast until you get to the to Palm Beach County area then you can still get to the beach-even behind the mansions. You are right though you do have to find a place and walk to beach down there sometimes. West coast is somewhat iffier about beach access. I know years ago we were told to get off the beach by residents of a condo. don't know if they have private beaches over there or not, but they have a lot with easy access .

Insurance will go up every year depending on the cost to the company. However once the payouts from heavy damage are over the losses drop and the rise in cost usually drops as well, though they will still go up every year. Remember all insurance claims come from the dues so when claims go up, cost rises.

There are many areas with good access, but a lot of areas where you can't get past the ocean front homes and no parking exists anywhere close. The beaches are not private but it is extremely hard to get to them so they become defacto private. I( grew up in SoCal and beach access is great and far better than FL even with a much larger population. So many beaches have parking right against the beach. The Coastal Commission there does a very good job of insuring access.

[markjames68]

Originally Posted by Rabflmom

I have always wondered if after Hurricane Sandy hit in NY did the insurance companies double the cost of a policy like they did in Florida? Did they then stop selling policies in that state like they did here and then cancel your insurance? Does NY now have a hurricane deductible separate from regular homeowner's insurance?

Even before Sandy many carriers were dropping people within a certain distance from the water. I was paying the same in NY as I am paying in FL. And the big deal about calling it “Superstorm Sandy” rather than a hurricane was so the deductible didn’t kick in.