[Outer_Bluegrass]

Originally Posted by Corrie22

not really....

when those towns were built...they were built because there was an industry there..

lumber, citrus, farming, cotton, peanuts, etc......and those industries were phased out

Yes, those industries have dwindled in prominence over the years, but they were never very high-paying to begin with, even in their heyday.

Additionally, we cannot discount the fact that Florida, similar to California, has an enormous minority population in its hinterlands (e.g., Belle Glade, Pahokee, Quincy, etc.). In every state, poverty is much more pervasive in minority populations than in the white population. Therefore, rural areas in Florida (and California) will inherently have more poverty than New York State, which is still relatively white outside of the New York City metropolitan area.

[Corrie22]

Florida took a long time to get up and going after the war...it wasn't a hot tourist destination....that created a lot of poverty across the board for everyone....freeing the slaves literally shut down a lot of industry and farms that generated the income that supported it all
Plus the fact....there wasn't that much else here....there's a lot of what were towns that completely vanished

Fencing in the land...destroyed the cattle industry in Florida....it had been free range...that closed a lot of cattle towns that had sprung up to support that

Destroying the railroad during the war....was another factor...a lot of towns had sprung up along the railroads

List of ghost towns in Florida

https://en.wikipedia.org/wiki/List_o...wns_in_Florida

It's hard to compare upstate NY with north Florida.....NY didn't have a civil war

[luvmyhoss]

Originally Posted by lkj1988

50 is the norm dorm.

ty

[Nerad]

Originally Posted by beachmouse

The screw issue was one of the reasons why we went with shingle when we replaced our roof in 2018. It was like ‘we’re going to have to pay how much more and do regular maintenance on top of that?’.



My parents had an LG fridge for a time. That had some issues in the first year of ownership that were supposed to be covered under warranty and when Mom contacted LG for warranty service, it was met with a shrug and a ‘we don’t have repair techs that work in your county’. Said county has 600K residents so it’s not like they live in a place where there’s no appliance repair service available. Mom contacted the Michigan AG/consumer affairs department or whoever it is up there that handles such complaints and suddenly and mysteriously LG was able to find a tech to do a warranty service call in Kent County.

Neither my parents nor I were impressed by that. They now have a GE, which has been a rock solid performer making rock solid ice.

Not my experience at all. 3 year old LG that compressor failed. Mind you this was a $3k fridge. Called on a Monday and was fixed for free as part of a recall by Wednesday.

2 years later and no issues.

[beachmouse]

Don’t expect to see any big impacts from last year’s attempt at insurance reform,and in the mean time, expect more insurance companies fail-

https://nbc-2.com/news/state/2023/04...ollapses-loom/

[Nerad]

Originally Posted by beachmouse

Don’t expect to see any big impacts from last year’s attempt at insurance reform,and in the mean time, expect more insurance companies fail-

https://nbc-2.com/news/state/2023/04...ollapses-loom/

So what reforms are needed? If the risk pool of money is running dry then what reform other than increased rates fixes anything? The roof scams isn’t all of the issue. Yes it needs fixed but that doesn’t solve the entire problem. The only other way is force everyone to get flood insurance, super high deductibles, and for homeowner policies the rates go up to pay for all the storm damages.

At this point it would appear the solutions are either stop allowing building in flood zones or building/engineering improvements on homes that mitigate wind damage.

Some of the homes that got leveled and or flooded in SW after Ian should not be allowed to rebuild.

[Mathguy]

Originally Posted by Nerad

So what reforms are needed? If the risk pool of money is running dry then what reform other than increased rates fixes anything? The roof scams isn’t all of the issue. Yes it needs fixed but that doesn’t solve the entire problem. The only other way is force everyone to get flood insurance, super high deductibles, and for homeowner policies the rates go up to pay for all the storm damages.

At this point it would appear the solutions are either stop allowing building in flood zones or building/engineering improvements on homes that mitigate wind damage.

Some of the homes that got leveled and or flooded in SW after Ian should not be allowed to rebuild.

Couple comments:

1. New construction should be built to handle the weather. That being said, it was tried once and they backed off because it was making homes too expensive. I think it should be given a 2nd chance.

2. Stop subsidizing high risk properties, but that's a hard pill to swallow after all these years.



3. Charge the actually needed rates at Citizens, but that's not politically viable.

In short, nobody really wants to pay for the weather risk.

So, you need to address the liability lawsuits and the roofer schemes etc....but that's a problem with your politicians and lobbyists. Also, the minute you roll that proposal out they'll start screaming how it's really just the insurance companies gouging and then it will just be a BS fest and they'll confuse the voters.

[Corrie22]

Originally Posted by Mathguy

1. New construction should be built to handle the weather. That being said, it was tried once and they backed off because it was making homes too expensive. I think it should be given a 2nd chance.

Florida strengthen it's building codes after hurricane Andrew....it has not been changed or backed off....just the opposite...it has been updated and strengthened

...obviously it did not make Florida homes too expensive

"When Andrew struck South Florida in 1992, there were more than 400 different building codes across the state. That changed in 2002 when Florida adopted the Florida Building Code (FBC). This statewide code mandated that new construction be able to withstand hurricane-force winds and feature shutters or impact-resistant glass in all openings."

"The FBC also outlined areas in the state more prone to severe weather and hurricanes, termed high-velocity hurricane zones (HVHZ). Out of the 67 counties in Florida, only two (Broward and Miami-Dade) reside in an HVHZ. If you live in this area, the FBC requires you to have HVHZ products that can withstand the most severe weather installed in your home. This includes windows, doors, and roofs, among others."

"Florida now leads the nation in hurricane-related building codes and enforcement, according to the Insurance Institute for Business and Home Safety (IBHS)."

https://www.usglassmag.com/2022/08/3...uilding-codes/

[beachmouse]

There was something of a panhandle exemption for many years for reduced code requirements under the faulty assumption that hurricanes that hit that area didn’t get that strong. IIRC, it was changed a few years before Michael hit and demonstrated the fallacy of that argument.

I think we really do need to move the entire state to Miami-Dade code requirements, whining from the building industry be damned. When built to code and properly inspected in order to issue a certificate of occupancy (second part of that is kind of iffy in many parts of Florida) properties built to those higher standards hold up well in severe windstorm conditions.

[Lola The yorkie]

Originally Posted by beachmouse

The screw issue was one of the reasons why we went with shingle when we replaced our roof in 2018. It was like ‘we’re going to have to pay how much more and do regular maintenance on top of that?’.



My parents had an LG fridge for a time. That had some issues in the first year of ownership that were supposed to be covered under warranty and when Mom contacted LG for warranty service, it was met with a shrug and a ‘we don’t have repair techs that work in your county’. Said county has 600K residents so it’s not like they live in a place where there’s no appliance repair service available. Mom contacted the Michigan AG/consumer affairs department or whoever it is up there that handles such complaints and suddenly and mysteriously LG was able to find a tech to do a warranty service call in Kent County.

Neither my parents nor I were impressed by that. They now have a GE, which has been a rock solid performer making rock solid ice.

We sure miss Sears….always bought appliances there…Whirlpool Maytag all made Kenmore…
We refuse to buy Samsung or LG.
GE seems to have gotten better in quality..
I used to ask repair guys why my mothers appliances lasted forever..answer. They were simpler
Was told lifespan of fridge and washers about 8-10 years now