"NOYB" wrote in message
hlink.net...

" JimH" not telling you @ pffftt.com wrote in message
. ..

"NOYB" wrote in message
k.net...

" JimH" not telling you @ pffftt.com wrote in message
. ..

"NOYB" wrote in message
.net...

"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? ;-)