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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.

Maybe that's not how *you* feel, but you can bet that certain individuals
were in the discussion for that reason.




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.

I feel the same way. But most of the guys arguing against me on this
thread saw no problem in paying for the rebuilding of New Orleans with my
tax dollars. But now that a "rich" dentist faces the prospect of not
being able to obtain homeowner's (or boat) insurance, their tune changes
to "tough luck. Move". It's class warfare at its finest.




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.

I agree. But it's not just the waterfront dwellers down here who are
being affected. The folks living in much more modest accommodations
inland are also feeling the pinch.

Oh well, at least we'll get to tease you guys up North mercilessly in
another 3 1/2 months when you're buried under 2 feet of snow.



Yeah, winter is coming.........dammit!

But we do have our counter attack that you are aware of............the blue
hair invasion from the north, coming to your area soon. We hold special
classes for them in preparation for their annual invasion to the Sunshine
State, including how to drive slow, especially on the freeways, and how to
hold up lines in the grocery stores....... but only during the months of
November through March......... ;-)

We even got Canada to join in this effort!


Darn right. Anything to teach those Sunshine Boys a lesson.