"NOYB" wrote in message
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"NOYB" wrote in message
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"Chuck Gould" wrote in message
ups.com...

NOYB wrote:
It's insurance! Or lack thereof. In Florida, it is now
impossible to
insure a boat over 30' long valued at more than $100,000 if the
boat:

a) doesn't have a trailer

and/or

b) is more than 5 model years old (2001 and older are
uninsurable if they're
over 30 feet and valued at more than $100,000)


I just applied for quotes from NBOA, Boater's Choice,
Progressive, and 2 or
three others. All said the same thing: no dice.

Progressive was willing to write my boat for $100,000 coverage
(it's valued
at $113k though) to the tune of $4500/year.

I'm with Boat/US, and insured for $113,000 for just under
$3000/year. I was
looking to save some money, and it's apparent that that isn't
going to
happen.


Read this thread on thehulltruth.com to understand how bad it is
in Florida
now:

http://www.thehulltruth.com/forums/t...114956&start=1


Guys cannot get financing on boats because they can't insure
them.


Sorry to hear about your insurance difficulties. Nothing similar
is
happening in this area of the country- so I'm willing to bet it
has a
lot to do with the $$$$$$$$$ in losses the boat insurance
companies
suffer whenever your several hurricanes per year blow through.
Sort of like trying to buy fire insurance on a house 50-feet from
a
blast furnace.

Those rates sound astronomical to insure a $100k boat, but it
makes
some sense to evaluate local risk rather than just "average" it
out
against everybody in the country- whether they live in a
hurricane zone
or not.

Yup. Sounds fair. Just like the rest of the country's tax
dollars shouldn't have to pay for security against terrorist
attacks in cities like NY, Seattle, LA, Chicago, etc.


There is no comparison between people choosing to live in hurricane
alley and folks living in large cities that terrorists chose to
target.


Sure there is. I have a much lower chance of being the victim of a
terrorist attack than someone living in NY...and NY'ers have a lower
chance of getting hit by a Cat 3 or higher hurricane. And guess
what? The risks are directly related to where we each chose to live.




And folks living in Hawaii have a lower chance of seeing snow in
January than those living in Alaska. And guess what, the risks are
directly related to where we choose to live.

So what does snow have to do with insurance? Nothing, just like
insurance has nothing to do with taxes.

BTW: How many terrorist attacks were there in New York last year?
How many hurricanes were there in Florida last year? How about 2004?
2003? 2002?

How many Cat 3 or greater Hurricanes hit Naples since 1960? One. How
many terrorist attacks occurred in NY in the same 46 year period?




I did not know that we have limited our discussion to Cat 3+ hurricanes
only.

Here is a very interesting link for you Doc:

http://www.collierem.org/never.htm
===================================
In 1960, when hurricane 'Donna' struck, there were approximately 15,500
people living full time in Collier County. Today there is nearly
300,000 residents, most of whom have never been through a severe
land-falling hurricane, even though they lived through the 2004
hurricane season. We have come to southwest Florida from all over the
country and around the world, and we would all like to believe that we
are safe from the ravages of hurricanes.
After all, how often is Collier County struck by tropical weather?
Records kept by the National Weather Service date back to 1851, or 153
years as this is written. In that time 73 tropical storms and
hurricanes have passed within 75 nautical miles of Naples, or one
nearly every 2.1 years! Of those, 40 have been tropical storms with
winds of less than 74 miles per hour. That also means at 33 have been
hurricanes, or one about every 4.7 years!

Ah, but they're all small hurricanes aren't they? Let's take a look:

a.. Sixteen major hurricanes in 153 years averages out to 1 every 7.7
years!
b.. 14 have been category three, one has been category four and one
was a category five.
Now THAT Was a Close Call!
(Center Less Than 20 Miles From Naples)

Tropical Storms: 1861, 1878, 1891, 1899, 1907, 1932, 1936, 1945, 1953,
1969 (Jenny),
1985 (Bob), 1994 (Gordon), 1998 (Mitch), 1999 (Harvey)

Hurricanes: 1870,1894, 1910, 1926, 1929, 1941, 1947, 1960 (Donna)
('Andrew' passed 35 miles south of Naples in 1992)



--------------------------------------------------------------------------------

Hang on To Your Hat!
Winds Greater Than 96 mph (Category 2+) within 75 nautical miles of
Naples

1865 (100 mph), 1873 (115 mph), 1876 (104 mph), 1888 (113 mph), 1894
(104 mph), 1910 (126 mph), 1924 (104mph), 1926 (130 mph.), 1929 (115
mph), 1935 (146 mph.), 1941 (121mph), 1944 (127 mph), 1945 (127 mph),
1946 (113 mph), 1947 (147 mph), 1948 (115 mph), 1950 (115 mph), 1950
(107 mph) 1960 (Donna, 129 mph), 1964 (Isbell, 115 mph), 1965 (Betsy,
124 mph), 1966 (Alma, 120 mph), 1992 (144 mph, Andrew's winds were less
than 95 mph at Naples, but higher on Marco Island and in Everglades
City), 2004 (Charley, 145mph), & 2004 (Jeanne, 120 mph)

================



And you were saying? ;-)

My boat made it through all of them unscathed...which is why I stated
"Cat 3 or higher". It would take a storm stronger than Charley to
damage my boat...and that hasn't happened in 46 years.




And my house has never caught on fire either.

Why were all the boats damaged in previous tropical storms and cat 1 and
2 hurricanes? Are you some sort of magician that you can make a
statement that it would take a storm stronger than Charley to damage your
boat?

All it takes is a tree or large chunk of building falling on the boat, or
someone else's boat (if it is in the water) blowing into it.

Did you read the article I posted a link to?

I haven't had time yet.

I wasn't looking for sympathy with this thread. In fact, I was playing
Devil's advocate. I live in an area that deserves to have higher
insurance rates on boats.


I don't think anyone thought that you were. On the other hand I hope that
you do not see those discussing this with you as wishing you harm or hoping
you lose your insurance, boat or house.

I am sure you understand that some folks, including me, are tired of picking
up the cost for folks living in storm prone areas with our tax dollars and
by paying higher insurance premiums. I thought it was stupid to rebuilt
New Orleans as you can bet that they will be flooded from a storm again
sometime in the future. The same goes for the folks losing their
waterfront homes on the Outer Banks only to see them destroyed every 10
years by hurricanes, then rebuilt using Federal low interest loans.

Fool me once, shame on you, fool me twice, shame on me. ;-)