patrick.net

Vid is too big to embed, but from helicopter, it goes over some extensive areas of Naples a mile inland, and there was only one building that looked like it had some kind of damage, everything else perfectly intact for quite a large area depicted.
https://t.me/richardcitizenjournalist/7804

NOAA satellite pics:

https://storms.ngs.noaa.gov/storms/ian/index.html#6/26.718/-82.134

On a barrier island Panama City Beach. However, US 98 is about 2 miles from the beach on Panama City Beach and is the highest point on that barrier island with an elevation of 19 feet. Most of Panama City Beach is evacuated during a hurricane category 3 or more.

Our home is about 17 feet above sea level. We evacuated for Hurricane Michael. We are near US 98.

The road that runs parallel with the beach and is next to the beach is Thomas Drive and is 10 feet above sea level.

One of my repulsively wealthy uncles lives in some ritzy spot around Naples. On those satellite shots, can't see much of any damage around there. Looks like 'blow around' damage mostly at Ft. Myers, with some hoods looking mostly untouched, others worse off. Doesn't look like the bombed out stuff generally promoted by MSM, certainly not like Andrew.

Also can't see any damages at the re-entry point at Myrtle Beach, but hard to see everything from satellite photos, there is an awful lot of developed sheeyat down there.

Ceffer says

One of my repulsively wealthy uncles

I like him so much already that it would be almost impossible to stop liking him.

.

ad says

Our home is about 17 feet above sea level. We evacuated for Hurricane Michael. We are near US 98.

I know 98 well from Pensacola to St. George Island. Haven't been down there in two years. Longest stretch of my adult life, hell even childhood that I haven't been. Might do spring break '23 down there though in Miramar/Destin area.

I don't think most of the country realizes how nice the panhandle is. AL, MS and GA residents do for sure. It's the weirdest thing to like about the place, but it has to be top 5 sand on the planet. On a calm day in the gulf the water is emerald blue like the Caribbean but different since the contrast of the sand to water color is so stark. The sand is white and soft.

In the last 3 years we've done Sanibel and Anna Maria Island on the west side on the Gulf. Wasn't a fan. Done the Keys three times, again not a huge fan. I had fun, but it just wasn't the Florida I know. Cruised out of Miami 3 times or so, not a fan. Not my style. I like latin people, but the Miami scene is younger and too bro party feeling. Those years are toast for me.

Beside Fort Lauderdale I have not explored the east coast of FL on the Atlantic side all that much. Wife went to Daytona Beach for a conference and said it was a shit hole basically. I trust her judgement on that. I've heard Jacksonville area is a shit hole as well. Know a high school friends parents that live in St. Augustine area. Seems nice when they post photos. Haven't been.

We should do a meetup outside of CA. Just a thought. I know it's $$$ for a flight for you CA guys, but the Panhandle would be fun. Plan it for 12-16 months in advance during a non-touristy time and also non-hurricane time. We've had the best times down there in May while the kids are still in school (pre our kids being born). It's the calm before the summer storm so to speak.

Yeah, it's an obvious fake, but still neat to look at.

https://www.yahoo.com/news/floods-ian-devastated-many-florida-185016848.html

Floods from Ian devastated many Florida communities but most homeowners do not have flood insurance.

Looks like people a couple of blocks in might have been OK:

Wow. That's some expensive rental sheeyat for Florida.

https://jalopnik.com/mclaren-p1-submerged-by-hurricane-ian-after-a-week-with-1849596914

McLaren P1 Submerged By Hurricane Ian After a Week With New Owner

zzyzzx says

The most practical family vehicle ever produced. Another thing the lying scheming scumbag media fucked us over on. They arbitrarily decided that it would be smeared as a Soccer Mom car, Like being a white soccer mom, is a bad scarlet letter to wear. What's fucked up is they still make vehicles with the same exact footprint in everyway. But only 4 family members can fit in them, but only the front passengers will have leg room. The rest of the vehicle space is filled with 14 inch wide consoles and wheel wells taking up back seat space, the driver floor space is less than 10 inches wide. Your right outer ankle gets sore from rubbing up against the firewall on long drives.
TO have a massive vehicle as big as that, and still have to call your friend with a pick up truck to help you pick up a Washing Machine or a 60 inch television.

Oh that's right! He can't! Pick up truck beds now are about 2 cubic feet, while the cabs have more space than the SUVs and CRVs.

zzyzzx says

That flood was Bullshit! It was man made, I drove over to Ft Myers two days after the storm passed. We traveled i75 and went up to Punta Gorda, then back Ft Myers.
From about 11am to about 5pm we were driving around touring. At around 5:30pm we started heading back and had to take a detour for the flooding.
The Everglades restoration project is nearing completion. What it does is allows the Florida Water Management to pump water anywhere in the state from Lake Okeechobee to Everglades City to Flamingo and all points in between. There has been many storms in Florida over the years, usually even the CS canal in South Florida always end up swollen as the Water management sends water into every canal to stop lake Okeechobee from overflowing. After Ian, the Canal behind my friends house never rose above the normal high tide mark. Meaning the water management was NOT pumping water into every canal like they normally do. I believe they sent it all up North to the St Pete erea to flood it out to create Climate Change hoopla. Because just one single beachfront on Gazillionare Row, was not enough to do it. The rest of South Florida didn't even see as much as a tree toppled. As many have said, the Barrier islands where it hit, was taken out by the storm surge not the winds. In my tour outside of the tidal damage, I never saw one single thing that looked like wind damage. Aside from the trees being whipped around and loosing some bark.

https://www.yahoo.com/news/property-insurance-company-cancels-florida-013031704.html

Property insurance company cancels Florida couple’s policy night before Hurricane Ian hit

https://www.wfla.com/8-on-your-side/florida-property-insurance-premiums-will-likely-spike-again-citizens-ceo-says/

Florida property insurance premiums will likely spike again, Citizens CEO says

Yep, property insurance to go up 20 to 30% in Florida for 2023 according to the CEO of Citizen Insurance.

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zzyzzx says

https://www.yahoo.com/news/property-insurance-company-cancels-florida-013031704.html

Property insurance company cancels Florida couple’s policy night before Hurricane Ian hit

That’s true — they can’t.

As Hurricane Ian hit, Florida Insurance Commissioner David Altmaier issued an order to temporarily protect residents. It reads, in part, “from September 28 – November 28, no insurer or other regulated entity may cancel, non-renew or issue a notice of cancellation or nonrenewal of a policy or contract except at the written request of the policyholder.”

They can, however, cancel you after the two months are up. It’s why Colantuono’s agent signed him up with another carrier.

“I just found a policy with Citizens,” Colantuono said.

Same article

ad says

ep, property insurance to go up 20 to 30% in Florida for 2023 according to the CEO of Citizen Insurance.

Florida Citizens Expects 5,000 claims and $63 Million in Losses from Nicole

Computer models have projected that the total insured losses from Nicole will range from $750 million to less than $2 billion.

https://www.insurancejournal.com/news/southeast/2022/11/17/695517.htm

Florida Senate passes property insurance overhaul

I absolutely believe it will drive their costs down,” said Republican state Sen. Jim Boyd, who sponsored the bill. “While it might not happen today, I absolutely believe we will have rate relief as we move forward in the future.”

RFLMAO

Average annual premiums have risen to more than $4,200 in Florida, which is triple the national average. About 12% of homeowners in the state don’t have property insurance, compared to the national average of 5%, according to the Insurance Information Institute, a research organization funded by the insurance industry.

The insurance industry has seen two straight years of net underwriting losses exceeding $1 billion each year in Florida. Six insurers have gone insolvent this year, while others are leaving the state.

The Florida Office of Insurance Regulation has said the state accounts for 76% of the nation’s homeowners’ insurance lawsuits but just 9% of all homeowners insurance claims.

The legislation would remove “one-way” attorney fees for property insurance, which require property insurers to pay the attorney fees of policyholders who successfully sue over claims, while shielding policyholders from paying insurers’ attorney fees when they lose.

The unstable insurance environment in Florida has pushed homeowners unable to get private coverage to the state’s public insurer of last resort, Citizens Property Insurance, which this summer topped 1 million policies for the first time in almost a decade.

The bill would force people with Citizens policies to pay for flood insurance and require moves to private insurers if they offer a policy up to 20% more expensive than Citizens

https://financialpost.com/pmn/business-pmn/florida-senate-passes-property-insurance-overhaul

What they don't pay in income tax, they pay in premiums.

B.A.C.A.H. says

What they don't pay in income tax, they pay in premiums.

I live in South Walton, Florida in the panhandle. I pay about 0.6% on about $300,000 replacement value for property insurance. My property tax is about $1700 a year.

And yes I do not pay state income tax, and the sales tax is 6%.

Its a lot better than white liberal shithole California, which also has high property insurance as well as high sales tax and income tax.

.

California has a massive underfunded pension problem in spite of sky high taxes.

The plan is to leverage their Representation in the House to get every other state to eat their ludicrously generous State pension deficit.

And massive traffic, overdue for a big Earthquake, housing costs that put home ownership completely out of reach for most and certainly for the working class, ridiculous sprawl and a hatred of density which only increases heavy traffic, Third World shit and drugs in the open, etc. etc. That the middle class flees California and the influx is mostly the wealthy and the very poor/addicted/lumpenproles and has been for years is the most damning indictment.

If Republicans wanted to win, they'd be saying "Do you want Texas and Florida America or Philadelphia, Chicago, and California America?"

AmericanKulak says

housing costs that put home ownership completely out of reach for most and certainly for the working class, ridiculous sprawl and a hatred of density which only increases heavy traffic, etc. etc.

As long as CA 1978 Prop 13 ponzi scheme in place, its beneficiaries turns into NIMBY anti building vigilantes forces will make sure "ridiculous sprawl and a hatred of density" is only the option left around.

DD214 says

Average annual premiums have risen to more than $4,200 in Florida

Understand, that's if you have wind mitigation discount on your policy. If you have more than 10% under flat roof, you don't get a discount, if you don't have $50,000 impact windows, you don't get wind mitigation, the petty list goes on and on. They pull new ones out of their every other year, to make people replace dependable decades old house fixtures, for cheap made in China Home Depot shit, it's a never ending monkey dance.

My policy was pushing $5K 3 years ago when I ditched Insurance, now I'm not in the Panhandle, and as far as I can tell nobody in the powers that be, that comes up with the Florida Republican Institution endorsed Insurance grift, was informed what in the fuck they pay for insurance in California.

I'm fucking lucky that the insurance I did have when Irma ruined my roof, was before the latest Florida Republican Institution boon give away to the Insurance companies guaranteeing 100% profit. I had a roofing company that had to fight like hell to twist the Insurance company's arm to pay my claim. That process took almost two years, and my roof was exposed to the leaks while that dragged on. But now, if that happened today, and I was paying over $5K(by now!) in insurance premiums, I would be fucked on that claim. If the Insurance company tells you no, we have no recourse now, but to suck the insurance companies Dicks.

AmericanKulak says

California has a massive underfunded pension problem in spite of sky high taxes.

The only way California will ever escape the debt burden of CalPERS and CalSTRS is though default. There is no other way out, the debt increases faster than the payments.

Who needs homeowners insurance in Florida? Here’s what you should know. - Miami Herald

The state has no regulations mandating homeowners to carry insurance for fire, theft, hurricanes or floods. Mortgage lenders do require homeowners’ insurance, including windstorm coverage and, for homes located in designated flood zones, separate policies to cover damage from inundation.

How many Floridians are going without property coverage?

Florida regulators don’t track how many homeowners are choosing to forgo insurance. It’s a decided minority — but more go bare in Florida than across the rest of the country. The Insurance Information Institute estimated that 13% of all homeowners in the state don’t carry property insurance, nearly double the national average of 7%.

I own a condo. Can I do away with my insurance?
Absent a mortgage, there is no requirement for an insurance policy covering the interior or contents of a condo unit, which is the owner’s responsibility. However, the condo association will usually have a master insurance policy to cover common areas, and that cost is passed on to individual unit owners, Carter said.

How can I figure out if I can afford to go ‘bare’?

Those willing to risk going without home insurance should consider the amount they need saved up in case of an emergency, the experts say. That includes not just enough to repair or rebuild, but the cost of temporary living expenses if a home becomes uninhabitable. The typical financial advice is to have three to six months worth of living expenses saved up.

Hartwig recommended saving about $725,000 to cover living expenses, fees to clear out debris, and reconstruction. That figure is for rebuilding a single-family home at the current median sale price in the state, which the Florida Realtors trade association puts at $407,000

https://www.msn.com/en-us/money/realestate/who-needs-homeowners-insurance-in-florida-here-e2-80-99s-what-you-should-know/ar-AA15soRC

ad says

liberal shithole California

We Californians agree with your assessment about the Grifting going on in Sacramento.

Why do we remain?

Probably different reasons for each of us. Some of us have deep roots here. For the time being, living near family means more to us than the tax rate. Others, like Patrick, don't have family here, but have other reasons, their own reasons, for remaining. We can always leave if the tradeoffs become unbearable.

We can always find things to point out about how it's worse somewhere else than where we choose to live. But we don't need to use pejoratives and swear words for that.

We don't define ourselves by who we hate.

AmericanKulak says

California has a massive underfunded pension problem in spite of sky high taxes.

The plan is to leverage their Representation in the House to get every other state to eat their ludicrously generous State pension deficit.

And massive traffic, overdue for a big Earthquake, housing costs that put home ownership completely out of reach for most and certainly for the working class, ridiculous sprawl and a hatred of density which only increases heavy traffic, Third World shit and drugs in the open, etc. etc. That the middle class flees California and the influx is mostly the wealthy and the very poor/addicted/lumpenproles and has been for years is the most damning indictment.

If Republicans wanted to win, they'd be saying "Do you want Texas and Florida America or Philadelphia, Chicago, and California America?"

In other news Texas and Florida now have their own heavy traffic and exploding housing costs.

RWSGFY says

In other news Texas and Florida now have their own heavy traffic and exploding housing costs.

Florida has a ~$22B dollar state budget surplus. That's after taking all the tolls off for several weeks during the Hurricane season.

RWSGFY says

other news Texas and Florida now have their own heavy traffic and exploding housing costs.

...because californians destroyed their state and now are running to tx and fl

AmericanKulak says

Florida has a ~$22B dollar state budget surplus. That's after taking all the tolls off for several weeks during the Hurricane season.

Then why don't they drop the tolls completely?

zzyzzx says

GOOD. Oceanfront rich fucks should pay full price for insurance, instead of pawning it off to rednecks in middle of state