Insurance rate increase

First, I'm going to brag; Everything I have ever owned was insured.
I have never filed an insurance claim from storm damage,, Car, Home or Boat.
I have never filed an insurance claim for collision damage,, Car, Home or Boat.
I have never filed an insurance claim for fire damage,, Car, Home or Boat.
In my life, I have filed an insurance claim once,, for loss to burglary and theft.

I wonder how I could be so lucky;
Possibly I move or secure everything that may get damaged or cause damage when bad weather is approaching.
Possibly I drive my truck a lil more carefully (naw, just lucky here)
Possibly I'm a good boy scout with items or devices that may go POOF.

So, Early this year my car insurance premium increased a bit, again.
This summer my Bertram's insurance premium went up chunk$$, again.

So why am I so lucky to receive these premium increases & abuse when others get new homes, cars & boats from their insurance companies,,, every year,,, for NOT protecting their stuff.

Homes built on exposed sand dunes. Cars left out on low ground to flood and boats tied up poorly with kite string. Nothing re-located.
Oh, No stuff; One guy did secure his lawnmower gas cans in his outside/attached utility room,,, next to his gas-fired water heater,, He wonders why it went POOF..

Why am I paying for other peoples new homes, cars and boats; in my zero claim policies???

I think I have it figured out. I have been in the wrong for all my life.
I'll just have another beer and not secure my home, car or boat.
When this next storm hits (Tomorrow Night), I'll find some good hootch and watch my stuff flood and sink.
New stuff already picked out. Yes, blue trim this time...


So brothers, where is the hurricane party tomorrow night?
I'll just leave everything behind for somebody else to clean up.
I'll be at the hurricane (new boat) party.

Yep.

Last time we cruised thru the lake and past FtMyers, I remember thinking this was a weather trap.
And it was.

Must be more than fluoride in the water down there or proof of to many stuff for brain foreigners (yankees) moved in.

No party invites yet, Think I'll have my own Lt Dan party.

I feel the NHC was pretty close in their original forecast many days ago. It only took a part of a brain to know the coming weather was threatening.
Surge, landfall, wind and more was pretty darn close this whole week.

After watching videos of 40 to 50 footers in the trees. Knowing that cars have been flooded in garages. More homes flooded and structures have been wiped out,,, AGAIN..
Then; Failed Darwin participants.
My original assumptions of Stuff For Brains people has been re-enforced.

When some genius states it has never flooded past his lawn and finds in his garage, cars under water, WHY do I have to pay for that??

Again, The NHC forecast was correct,, all week long..

I need to find an insurance company that writes for sane and responsible people..

Just sitting down to another fine evening.
Reminiscing and offering prayers of thanks for our local blessings.

Then in the back ground, I hear the TV; Kurt Russel & Goldie Hawn in movie; Overboard..
Then it hit me; Hard working person vs spoiled person with out a clue.

For those in Rosa Linda, I'll type slower and relate to this thread.

It is the upbringing, way of life, class and wanna-be arrogance that some folk could not care about securing up or re-locating their boat and offering some responsibility to their damages or damages to other boats. These same folk can not take a few minutes to move their cars to higher ground to keep them dry also. Their insurance and attorneys protect them from all and they could not care less. I have considered these folks brain damaged and called them stuff for brains most of my life. Fat check books contribute to their spoiled way of life,,, with out a clue.
But, are they truly brain damaged or just because of way different values and ways of life, they are different and threaten the ways of life for the other folk with out a thought.

The other folk are hard working people that want to enjoy the open waters also, abit, on a budget.
We rub coins together trying to survive and endeavor to enjoy the open waters abound us (wish I had some good coins).
I feel most of us work hard and harder to play on our waters.
Not much is given, offered or taken for granted.

I do enjoy the movie that Goldie Hawn learned the view from Kurt Russel's side and way of life. But sadly, that story only worked in Hollwierd.

What can we do ??

I need to find an insurance company that writes for sane and responsible people..

It's times like this I wish there was a working security camera somewhere.
I would play that video endlessly, everywhere..

Well, H Milton coming onto the greatest pile of abusers of my insurance premiums.
What sorry excuses will they use this time?

Ran out of kite string..
Locks were closes..
Or my fave; The guy next to me didn't leave, why should I..

Ya know I'm still steamed from claims in S & S/W FL last couple of years. Then last week more claims. I figure the weather gods have more issues with these clowns.
Not many left, not many excuses left.

I fear the StJohns River will prove to be a tall challenge this storm.
We use real dock lines, tied on an engineered dock with real tall piles.
Again ,,It is all the other clucks and their stuff blowing into us that upsets me.

Here are some old pics. Note; Bundled storm dolphin piles on the outside. Some single dolphin piles on the inside with mobil home anchors in the yard.
Nothing going anywhere but up & down. Been thru a few already. Never an issue.



Our lines just dried out and were just secured. Have to pull them back out and tie all back up,, again..

We were in the Ortega River when storm Matthew came up in 2016.
That storm got my attention then.
Humm, October,,
Humm, storm starts with M,,
Humm,, made lots of money re-floating dummies boats.

Lots of dummies..

Retired now without a work boat, bags or pumps,,, Ratts..

Starting yesterday (Wednesday), been watching videos & live-cams from the left coast.
Boats were sinking and on the docks in Bradenton when the storm center was still in the middle of the GOM.
Thru the night the carnage of boats got depressing.

5 to 6 days ago this storm was foretasted to do, just what it has done.

One of our brothers here mentioned an idea; Storm Damage deductibles should be greatly increased.
Been thinking about this for days now. I'll bring it up with my agent next week.