Wednesday weird Insurance News

Wednesday Weird Insurance News:

Okay not so much news this week as a precaution against weird drivers. We all know there are risks to driving, in fact we know that driving is the most risky thing we do every day. However, what about an extreme "weird" risk. do they exist? Yes, here is a prime example we ran across recently, a driver sleeping at the wheel in a Tesla with auto driving capabilities. its a crazy and weird world full of people with bad judgement.

https://www.youtube.com/watch?v=sXls4cdEv7c

ISU Bauknight Insurance operates two Counties in Florida, Hudson, FL (727) 863-5641 and ISU Bauknight Insurance, 10488 Spring Hill Drive, Spring Hill, Fl 34607 (352)-686-0612. They also offer coverage throughout Florida on their website or by calling them direct.

Man's house hit 17 sepearate time by cars

Wednesday Weird News:

Man's house hit by cars 19 times

Fox 5 news, San jose California reported on September 15, 2016 that:

A car crashed into Ray Minter's San Jose home on Monday night. For Minter, it's nothing new. He says it is the 19th time a car has hit his home.

He's lived in the house since the 1950s. He says among the crashes, cars have ended up inside his home four times.

He says this latest crash is one of the worst. He estimates the car was going at least a 100 miles per hour when it went through his fence, two concrete poles and into the garage. It crashed into his Honda Accord.

"First one shocks you. And then, after that, as long as nobody in the house is hurt, you don't care because then everything's gonna get repaired," Minter says.

Minter and his mother were in the house at the time of the accident. They were not hurt but Minter's cat is missing and feared dead.

Minter says the driver in this latest crash appeared to heavily intoxicated by was uninjured.

"We just stay in the back of the house and [laughs] watch everything," Minter says. "Maybe put a ski ramp or something, I don't know."

ISU Bauknight Insurance operates two Counties in Florida, Hudson, FL (727) 863-5641 and ISU Bauknight Insurance, 10488 Spring Hill Drive, Spring Hill, Fl 34607 (352)-686-0612. They also offer coverage throughout Florida on their website or by calling them direct.

Man's House hit by car 17 different times.

Wednesday Weird News:

Man's house hit by cars 19 times

Fox 5 news, San jose California reported on September 15, 2016 that:

A car crashed into Ray Minter's San Jose home on Monday night. For Minter, it's nothing new. He says it is the 19th time a car has hit his home.

He's lived in the house since the 1950s. He says among the crashes, cars have ended up inside his home four times.

He says this latest crash is one of the worst. He estimates the car was going at least a 100 miles per hour when it went through his fence, two concrete poles and into the garage. It crashed into his Honda Accord.

"First one shocks you. And then, after that, as long as nobody in the house is hurt, you don't care because then everything's gonna get repaired," Minter says.

Minter and his mother were in the house at the time of the accident. They were not hurt but Minter's cat is missing and feared dead.

Minter says the driver in this latest crash appeared to heavily intoxicated by was uninjured.

"We just stay in the back of the house and [laughs] watch everything," Minter says. "Maybe put a ski ramp or something, I don't know."

ISU Bauknight Insurance operates two Counties in Florida, Hudson, FL (727) 863-5641 and ISU Bauknight Insurance, 10488 Spring Hill Drive, Spring Hill, Fl 34607 (352)-686-0612. They also offer coverage throughout Florida on their website or by calling them direct.

Reflections of Hurricane Hermine

So after 10 years of no major storm, Florida was guest to a relatively small and weak category 1 hurricane with sustained winds of 55 mph and gusts up to 80 mph, Hermine. By comparison, Hurricane Andrew had sustained winds of 165 mph and pushed with many devastating tornadoes accompanying the storm. Furthering our "luck", it made landfall in St. Marks, a town of 300, avoiding major population areas such as Tampa Bay. Still, here is what the aftermath looks like:

~ 253,000 Floridians had their power knocked out
~ Coastal residents evacuated
~ over 10 inches of rain with storm
~ Hermine caused coastal Flooding in pasco, Hernando,Citrus Levy, Dixie, And taylor counties
~ 75 MPH winds all the way down in Pinellas county, 6 counties from landfall
~ state of emergency declared in 51 Florida Counties
~ One death
~Massive Sewage spills due to overwhelming sewer plants, causing spills thruought the West Coast of Florida and causing over 100,000 gallons of untreated sewage to be dumped into Tampa Bay alone.

All of this caused approximately 500 milion dollars in insured damage and economic damage exeeding 1 billion dollars.

Locally, We had houses flooded with up to a foot of water in Hernando Beach and Pine Island, Hudson and New Port Richey, and our office fielded several hundred call for wind damage, mostly minor.

What does this mean for Florida when we get a really big storm? The outlook isn't good for either property and business losses. few final points:

Flood is never covered by your homeowner insurance, you need a seperate policy,and as this huricane taught us, Flood damage can be much much worse than wind, and can accompany relatively minor storms.

One thing to definitely keep in mind is that during a named storm, including a tropical storm, your wind deductible changes to a percent of how much insurance your carry, usually 2%, 5%, or 10% with 2% the most common election made by our clients. If you are confused about this, call us for a review before it takes you by surprise. but as an example, if you insure your home for $250,000 and you have a 2% named storm deductible, all wind losses under 5000 will be your responsibility. This is a compromise, an agreement we have made to self insure small named storm losses as citizens of Florida to help keep our homeowner insurance industry active and engaged with us.