Invest 91L E Windwards,Comments,Sat Pics,Models Thread #2

[ericinmia]

You now I know its where you live in Florida, but I close on a house tomorrow and found a policy for 850.00 on a 210,000..I did have to call about 20 companies though...Liberty Mutual is the company I got it with...But every company was offering or brokering out..I had some qoutes has high as $1800.00

It pays to shop around. I did and found a policy for much less than I was paying previously. I am with St. John's now.

I don't mean to squander but my boss has Liberty Mutual down here in Miami and after Wilma she found out that stuff that is supposed to be covered by her policy was being denied.... so she's not the happiest camper with them.

I can't get started on this, Not only was our deductible bumped to 25k before the season, without our notice. (mail problem suposedly) But they have a clause that says you get a flat amount of 15k for pool enclosures. Ours cost around 30K, they wanted to give us a some money for the kids playground that fell over.... but would only give us a few hundred for the roof, when in reality multiple roofers said the whole 18 year old tile roof needed to be re-done. So if we paid 25k we would get mabye 18k. since it didn't cover the 60+K roofing project.

They aren't very high on my 'housing' insurance list. But they do treat me very well for my cars that are insured.
-Eric

EDIT:
Oh and the pool enclosure ruined a lot of tile on the patio when it was torn up in the storm. They have a clause hidden in their contracts that says that they don't insure the pool deck at all...

[Derek Ortt]

the QS was from yesterday

Of course this has a closed LLC. It just does not have persistent organized deep convection

[Normandy]

Well it wont get upgraded unless recon goes out there (or it starts looking REAL good).

[southerngale]

http://www.sfwmd.gov/org/omd/ops/weathe ... orm_91.gif

If anything forms, I wouldn't want it to hit any islands, but I do like the hint of a curve toward the end of some of those models. Swim away little fishie...nothing to see on land.

[mike815]

yea i mean the nhc seems to think this will form relitively soon in maybe 2 days and conditions arnt that bad so again i guess there are 2 sides to this one

[clfenwi]

07/1745 UTC 12.2N 41.9W T1.0/1.0 91L

[feederband]

You now I know its where you live in Florida, but I close on a house tomorrow and found a policy for 850.00 on a 210,000..I did have to call about 20 companies though...Liberty Mutual is the company I got it with...But every company was offering or brokering out..I had some qoutes has high as $1800.00

It pays to shop around. I did and found a policy for much less than I was paying previously. I am with St. John's now.

I don't mean to squander but my boss has Liberty Mutual down here in Miami and after Wilma she found out that stuff that is supposed to be covered by her policy was being denied.... so she's not the happiest camper with them.

I can't get started on this, Not only was our deductible bumped to 25k before the season, without our notice. (mail problem suposedly) But they have a clause that says you get a flat amount of 15k for pool enclosures. Ours cost around 30K, they wanted to give us a some money for the kids playground that fell over.... but would only give us a few hundred for the roof, when in reality multiple roofers said the whole 18 year old tile roof needed to be re-done. So if we paid 25k we would get mabye 18k. since it didn't cover the 60+K roofing project.

They aren't very high on my 'housing' insurance list. But they do treat me very well for my cars that are insured.
-Eric

EDIT:
Oh and the pool enclosure ruined a lot of tile on the patio when it was torn up in the storm. They have a clause hidden in their contracts that says that they don't insure the pool deck at all...

I guess the biggest thing is to read your whole policy and make sure you have enough coverage..

[Bailey1777]

I don't think they are saying it won't form I think they are just stating the facts. Weather is so fluid that you have to look at whats going on now and what is most likely to happen in the future. If not they would not last long in their proffession. Just my opinion.

[SouthFloridawx]

I guess the biggest thing is to read your whole policy and make sure you have enough coverage..

That is exactly correct... Most lenders only require enough coverage to meet thier minimum amount of either one of the two:

1. Total Cost New
2. Loan Amount

In "most" cases you will find that the insured amount is probably the latter of the two.

Well how do you figure out if you have enough coverage.

It is a little more expensive but, you can get an appraisal done on your property by a liscensed and experienced professional. This will help to show generally how much coverage you would need to replace your home as if it were built new.

There is a section on the appraisal that shows how they came to get the "Total cost new" on the appraisal.

[ericinmia]

I guess the biggest thing is to read your whole policy and make sure you have enough coverage..

I didn't explain it clearly. They changed all these things without notice to us. We were covered, when we signed up. But the letter they suposedly sent to us to notify us of the changes never made it. Were still fighting them over a lot of this, but if they don't cover the roof, there is no point in paying the deductible. Also causing us to have a higher rate next year... that is if they don't drop us.

Citizens here we come...

I deal with contracts all day long... If there is a single word i don't agree with i force it to be changed before i sign. Otherwise, I don't sign. Part of me wants to take them to court over it, but its not worth the time/agravation/cost. I've resigned to just paying out of pocket to fix it... we have upgraded the insurance again. But they appraised the house to a rediculous level...

[Windtalker1]

Is this an INSURANCE Thread?......Come on people!

[Nimbus]

So the models must be seeing the ULL drop south in front of 91 L now. That would tend to kick 91 L north some. Will there be a blocking ridge waiting to steer it back west again?

Off topic, but the State of Florida holds reserves for these insurance companies, so if they go bankrupt you should still receive some settlement even if its only 90% of whats stated on your coverage declaration.

[SouthFloridawx]

Nimbus if you could explain to me why and ULL would stear an low level circulation? I am curious cause I have heard people say that and I'm not sure how that would work. As far as I knew features in the upper levels steared other features in the upper levels. I know some ULL's can be as far down in the troposphere as the mid levels and in which case a storm is at that level would tend to steer it. But, I think the windshear ala Chris would just be blow off the low level circulation rather than steer the LLC.

[cycloneye]

DISTURBANCE INVEST (AL912006) ON 20060807 1800 UTC

...00 HRS... ...12 HRS... ...24 HRS... ...36 HRS...
060807 1800 060808 0600 060808 1800 060809 0600

LAT LON LAT LON LAT LON LAT LON
BAMD 12.2N 42.2W 13.4N 44.7W 14.5N 47.4W 15.4N 50.0W
BAMM 12.2N 42.2W 13.0N 45.0W 13.9N 48.0W 14.5N 51.1W
A98E 12.2N 42.2W 12.5N 45.8W 12.9N 49.1W 13.3N 52.2W
LBAR 12.2N 42.2W 13.0N 45.3W 14.1N 48.2W 14.9N 51.0W
SHIP 25KTS 28KTS 32KTS 38KTS
DSHP 25KTS 28KTS 32KTS 38KTS

...48 HRS... ...72 HRS... ...96 HRS... ..120 HRS...
060809 1800 060810 1800 060811 1800 060812 1800

LAT LON LAT LON LAT LON LAT LON
BAMD 16.0N 52.5W 17.4N 56.7W 18.7N 60.0W 19.0N 63.2W
BAMM 15.1N 54.2W 16.3N 60.0W 18.2N 65.1W 19.8N 69.8W
A98E 13.7N 54.9W 15.0N 59.6W 16.3N 64.2W 17.9N 69.1W
LBAR 15.1N 53.9W 16.0N 59.2W 17.3N 63.5W 21.2N 66.2W
SHIP 43KTS 51KTS 56KTS 61KTS
DSHP 43KTS 51KTS 56KTS 61KTS

...INITIAL CONDITIONS...
LATCUR = 12.2N LONCUR = 42.2W DIRCUR = 275DEG SPDCUR = 18KT
LATM12 = 11.8N LONM12 = 38.4W DIRM12 = 277DEG SPDM12 = 18KT
LATM24 = 11.6N LONM24 = 35.2W
WNDCUR = 25KT RMAXWD = 50NM WNDM12 = 25KT
CENPRS = 1009MB OUTPRS = 1012MB OUTRAD = 190NM SDEPTH = M
RD34NE = 0NM RD34SE = 0NM RD34SW = 0NM RD34NW = 0NM

18:00z Tropical Model suite.

[HURAKAN]

A more logical geographical position now!!!

[Nimbus]

This turn to the north forecast by the models happens close to the islands. You are correct a poorly stacked system would not respond to an upper level feature and would likely have its convection sheared. My guess is the models see Debbie on the horizon.

[miamicanes177]

there is zero chance this is 61kts in 5 days. It will be shredded by that ULL diving southward. I give this a 60% chance of becoming a depression, but nothing more. Unless that ULL stops diving south someway then this little thing is history.

[rnbaida]

This is 100% a fish... It wont even come close to the bahamas.

[Swimdude]

The models take this system right near where Chris was. Also - I find it amusing that 91L already has a lower pressure [1009mb] than Chris did during most of his miserable life.

[mike815]

wayyyy to early to make a statement like that