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chaseroofing · 9 months ago

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Weathering the Storm: Roof Maintenance and Protection in South Florida

Living in paradise comes with its challenges, and roofs in South Florida face unique challenges due to frequent hurricanes and storms. Roofs in South Florida and Tampa confront a unique adversary: the relentless battering of hurricanes and storms. These weather phenomena pose significant challenges, underscoring the critical importance of storm preparedness and the selection of hurricane-resistant materials. As the first line of defense for homes, roofs must be fortified to withstand the onslaught of nature’s fury, ensuring the safety and security of families and properties.

Hurricane Preparedness:

Preparing your roof for hurricane season is paramount. Secure loose shingles, trim overhanging branches, and reinforce roof structures. Investing in hurricane-resistant roofing materials, such as impact-resistant shingles or metal roofs, can mitigate damage and enhance resilience against high winds and flying debris, safeguarding your home and loved ones.

Signs You Need a New Roof:

Identifying signs indicating the need for a new roof is crucial. Look for missing shingles, evidence of leaks, sagging areas, and visible storm damage. Timely recognition of these issues can prevent further deterioration and costly repairs, preserving the structural integrity of your home.

Roof maintenance tips:

Regularly clear gutters to prevent water accumulation.

Eliminate debris to prevent blockages and potential harm.

Arrange regular inspections to detect issues promptly.

Trim back overhanging branches to reduce damage risk from falling debris.

Maintain adequate ventilation to prevent moisture buildup.

Understanding Different Roofing Materials:

Metal roofs offer durability but may be noisy during rain. Asphalt shingles are cost-effective but require regular maintenance. Concrete tiles boast longevity but are heavier and more expensive to install. Synthetic slates provide an aesthetic appeal akin to natural slate but at a lower cost and weight.

Popular Roofs in South Florida and the Tampa Area

In South Florida and the Tampa area, a diverse range of roofing options caters to the region’s unique climate and architectural preferences. Among the most prevalent choices are shingle roofs, renowned for their affordability and durability against high winds. Tile roofs, with their timeless aesthetic appeal and resistance to fire and insects, are also highly favored. Metal roofs offer exceptional longevity and energy efficiency, making them ideal for withstanding the intense heat and occasional storms of the region. Additionally, single-ply roofs provide excellent waterproofing and ease of installation, making them a practical choice for many homeowners in South Florida and Tampa.

Choosing a Reliable Roofing Contractor:

Selecting a reputable roofing contractor is paramount for quality workmanship and peace of mind. Ensure the contractor is licensed, bonded, and insured. Verify their industry experience and reputation through customer reviews. Obtain multiple quotes and thoroughly compare them to make an informed decision. Protect your investment and property by choosing a reliable professional for your roofing needs.

By prioritizing storm preparedness, routine maintenance, and informed material selection, homeowners can fortify their roofs against the elements, ensuring longevity, safety, and peace of mind for years to come.

#local roofers in south florida #roofing contractors florida #roofing contractors in south florida #roofing contractors in tampa #affordable roofing contractors #roofing company in south florida #roofing company near me #shingle roofing #metal roofing #tile roofing

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dmscontractor · 1 year ago

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Our team of skilled professionals is committed to delivering exceptional workmanship and excellent customer service. We use the latest roofing techniques and materials to ensure that your home is well-protected from the elements. we understand that your home is your most significant investment, and we take great pride in providing you with the peace of mind that comes with a sturdy and reliable roof. Our mission is to exceed your expectations and provide you with a roof that will last for years to come.

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coastroofingkings · 1 year ago

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Professional Roof Installation Services - Building a Solid Roof for Your Property

When it comes to the protection and longevity of your property, a solid roof is crucial. At West Coast Roofing of Florida, we specialize in providing professional roof installation services that ensure the highest quality craftsmanship and durability.

Our team of experienced professionals understands the importance of a well-built roof. We work diligently to deliver exceptional results, using top-quality materials and industry-leading techniques. Whether you need a new roof for a residential or commercial property, we have the expertise to handle projects of any scale.

With our roof installation services, you can trust that your property will be equipped with a roof that can withstand the harshest elements. We pay attention to every detail, ensuring proper alignment, secure fastening, and effective drainage. We want to give you a beautiful, long-lasting roof.

Choosing the right materials is essential for a successful roof installation. Asphalt shingles, metal, tile, and more are available. Our experts will help you choose the appropriate property for your likes, budget, and needs.

At West Coast Roofing of Florida, we pride ourselves on our commitment to customer satisfaction. We prioritize open communication, listening to your needs and addressing any concerns throughout the roof installation process. Our staff will keep you updated throughout the process.

Professional roof installation increases property value and integrity. Our services guarantee a long-lasting roof. We adhere to strict quality standards, follow local building codes, and stand behind our work with comprehensive warranties.

Ready to transform your property with a new, sturdy roof? Contact West Coast Roofing of Florida today to schedule a consultation. Our skilled team is eager to discuss your roof installation needs, provide expert advice, and deliver outstanding results that exceed your expectations.

West Coast Roofing of Florida

Phone: (813) 282 4000

Website: https://flwestcoastroofing.com/

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absolutepro1 · 2 years ago

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Looking for the best roofing repairs in Tampa

The roof happens to be a crucial part of the property. Thus, it is important that you take good care of it to keep your loved one safe. For this, you will have to go ahead with timely roof repair and maintenance services to ensure its longevity and better safety of your loved ones. A search for roofing repair in Tampa will be helpful in identifying the best company that can take care of your needs and deliver satisfactory service to you.

It is important that you choose the one that is experienced and knowledgeable about the job. With a proper search, it will be easy to make the decision and get the best services possible. Besides this, it is also important that you consider the certification and licensing. This will give you peace of mind knowing that experts are well-trained in the job and can handle the structure well. A comparison here is extremely important to get the services done by someone knowledgeable. You need to take your time to search for the companies and compare the cost. After all, it is also crucial to check when finding a good company for the job. If you are ready to get expert help, then you can consider connecting with Absolute Pro Construction. They have got a good reputation in the industry. They can provide you with quality repair services. Irrespective of your need, the experts will manage the job well and provide you with the best help possible. Not to mention they aim to provide the services at an affordable rate.

#roofing and construction company in tampa #Roofing Repairs in Tampa

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dameronology · 2 years ago

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timing's a bitch [5/5] - s.h

summer '87

“oh my love, i lied to you, but i never needed to" - liar, paramore (x)

“if you have chemistry, you only need one other thing…timing. but timing is a bitch” - how i met your mother

a.k.a the three times that steve harrington chose the wrong moment, the one time that you chose the wrong moment, and the one time you both got it right (series masterlist)

a/n: i am sooooo sorry for how long this took. i have a long list of excuses but i shall not bore you. we have, however, finally made it to the end and i owe you all the biggest fucking thank you in the world for all your support on this series. i love u all and i hope this is the ending u wanted <3

Twelve months was the longest period of time you’d gone without seeing Steve Harrington.

You’d seen him basically every day for your entire goddamn life and then he’d just…disappeared. Left the arcade in a cloud of shame and then you hadn’t seen him since. He was fine; you knew that much. A quick call to his parents had let you know that he was with them in Florida. Fuck knows why, because as far as you’d known he had hated his parents almost as much as he hated Florida. But, as it had turned out, knowing didn’t account for much. You thought you knew Harrington’s every move, but everything in the last year had completely blindsided you. Even if it was just an anomaly, it was enough to make you question everything. It had hurt more than you cared to admit – the sudden revelation, the disappearance, the lack of contact – but the realisation that he’d admitted to loving you had carried you for just a little while.

Only a little while. Three months at the most. After that, you lost hope and moved on.

Did it feel like part of you was missing? Completely. Was there anything you could do about it? Absolutely not.

Steve’s name became something of a curse word amongst your friendship circle. Friendship triangle, actually. The combination of Eddie and Robin had been the only thing carrying you through. Hawkins had changed as you knew it, because as it turns out, you and Steve had shared a pair of rose-coloured lenses. The town sucked without them and man you hoped Florida was even worse for him. Maybe one of the crocodiles or swamps would swallow him up. At least that way you could get closure.

It was hard not to think about him; to think about whether or not he’d started dating again, about how much he was probably suffocating under the same roof as his parents. The part of you that had been hurt by him wanted so badly for him to be aching too – for you, for the familiar, for the realisation that Tampa Bay might have been great, but no place was truly great without you – but the rest of you just pined. For him, for his dumb sarcasm and ridiculous ability to be so smart about everything, for his shitty driving and that stupid cologne and the cursed BMW that you were afraid to shine a UV light in for fear of a live Jackson Pollock experience.

You missed him.

Eddie and Robin were good company. Every time you were sad, you would find yourself with them at the Hideout, laughing about something stupid and then revelling in the realisation that you were going to be fine. Everything was going to be fine. You had your friends.

“So…I like her, but I don’t like like her, you know?” Eddie’s aimless ramblings filled your ears one cold Wednesday night. Class had been long, but not as long as this conversation. Was he even going the right way home? You’d no clue.

“So, break up with her then, Eds,” you replied, unable to resist an eyeroll. “It’s obvious.”

“But she’s so hot!”

“And?!” you shot back. “You can’t just hold out for someone because they’re hot.”

“Right. If you did, you’d be in a Florida swamp by now.”

You shot Eddie a glare. “Watch it.”

“I regretted it as soon as I said it,” he grimaced. “Sorry. I really am.”

Eddie reached across and squeezed your arm, giving you a smile. He was far too easy to forgive.

As it turned out, he had been going the right way, because your apartment building had finally made an appearance in the distance. One of the better developments in your life in the past year had been that you, Robin and Eddie found a place together. It was a complete shithole, and you were pretty sure your neighbour was a pervert, but it was yours. More yours than your place in New York had been.

Hopping out the van, you shut the door behind you and fumbled around for your keys. Eddie wasn’t far behind, just taking a moment to assess the damage the pavement had done to his wheel when he’d collided it with at the morning. Something about the government shouldn’t have put a pavement there and I don’t pay taxes for this shithole to destroy my van.

Unlocking the door, you stepped inside and was immediately greeted by Robin. She was in attack mode, elbowing her way past you and towards Eddie.

“Munson!” she yelled. “How many times have I told you not to smoke week inside? I’m trying to study for my finals but all I can smell is your skanky goddamn stoner broccoli- “

“- woah, woah, woah!” Eddie held his hands up in defence. “Before you rip my head off, don’t you want to have that conversation with our beloved roommate first?”

You glanced at them, thinning your eyes. “The hell are you talking about?”

“Uh…” Robin trailed off. “We should go inside for this.”

“Or you could just tell me here?” you suggested.

Despite your advice, your friends both took an arm each and lead you inside to the sofa, where they laid you down. Robin did have a point about the smell in here.

“You should sit down for this,” Eddie began.

You propped yourself up on your elbows. “I’m lying down?”

“Oh…” he trailed off. “Then you might want to sit up for this.”

Rolling your eyes, you sat up and swung your legs round so they were on the floor. “What did you want to talk to me about?”

Robin gulped. “Steve called.”

“Here?” your eyebrows shot up.

“Yeah. Six times, actually,” she continued.

“What?!” you exclaimed. “When?”

Eddie and Robin glanced at each other.

“Guys,” you pushed. “When?”

“Three months ago. And also, nine months ago, and also ten months ago, and he also tried calling my house the week he left and…” Eddie trailed off. “Why do you look so angry?”

“Why the fuck are you only telling me this now?!”

“We thought it was best you didn’t know!” Robin chimed in. “He just made you so miserable and-

“- that’s not your decision to make!” you snapped.

“No, you’re right…. we know that. Now. We know that now,” Eddie said. “We just thought it was worth telling you because rumour has it, he’s back in town.”

“Rumour has it from who?”

“My eyes,” Robin admitted. “I saw him yesterday at the coffee shop down the road. I think he was looking for you.”

It wasn’t in your nature to dramatically storm off. It was even less in your nature to steal Eddie Munson’s keys and aimlessly speed off into the night, but you probably earnt the right to do after learning that your best friends had been lying to you. Betrayal from Steve had sucked, but even more so from them. What sucked even more was the realisation that he hadn’t been ignoring you for a year. That was a lot to deal with.

You found yourself driving to Lover’s Lake. It had been an unconscious decision – less conscious that the one to fuck up Eddie’s tyres even more on the way over – but it was weirdly peaceful once you got there. Freaky alien portals aside, it was a pretty relaxing place when it was empty at night. The water was completely dark, lit up only by the moon and stars, where you could be alone with your thoughts and-

“I have a gun!”

The words from your mouth had been quick – and a lie – when you heard someone step on a twig behind you. It wasn’t the worse lie in the world. You could have had a gun in your pockets. Maybe. How big were guns anyway? You didn’t know.

“If you come a step closer I will fucking END you-“

“- you don’t carry a gun.”

There was only one person in the world who could be truly certain of that decision. Steve fucking Harrington.

A beat passed and before he could say anything else, you’d thrown yourself at him. You both fell to the ground – Steve breaking your fall with his body and letting out an ow – and for a split second, you weren’t sure you were decking him or fighting him. The decision came to you naturally, it turned out, because when he tried to sit up, you tackled him back into the ground with a hug. Steve sat there aimlessly for a second, but quickly wrapped his gangly arms back around you.

“Fuck,” you murmured. “What the fuck, Steve?!”

“Couldn’t I be asking you the same thing?!” he demanded. “You’ve been ignoring my calls for a year!”

You took a step back from the hug, glowering for a moment. “I haven’t. I promise.”

“Well you haven’t been answering them-“

“- it was Eddie and Robin!” you cut him off. “We moved in together…it’s too fucking long to explain, but they are meddlers. They are meddling meddlers. I’ve spent the last year waiting for you to call Steve and for fuck’s sake, man! It’s me. If you are genuinely stupid enough to think that I would willingly ignore your calls then you don’t know me at all!”

Steve was silent for a second. That was a lot of information to process. It was good information – encouraging, indeed - but it also meant he had to change his entire worldview that he’d spent the last year adjusting to. Not unlike you had in the last hour.

“Besides…” you carried on. Yeah, it was all coming out now. “You’re the one who accidentally confessed your love for me. You’re the one who ran away! So even if I had been ignoring your calls, who’s to say it wasn’t justified?”

“No, yeah…you’re right,” Steve murmured. “I’m sorry. I really am. I know that doesn’t cut it at all. It doesn’t even begin to make it right but if you would just give me the chance, I promise I will make it up to you.”

“A chance?” you raised your eyebrows. “What kind of chance?”

“The same kind of chance I asked for the night you left for college almost two years ago,” he said. “The chance that’s been fucked over and over because of bad timing-”

“- have you ever considered that maybe you were the one who was about twelve hours behind everyone else?”

“Have you ever considered that maybe you were twelve hours ahead?”

You smiled. “Get to the point, Steve.”

“I love you,” Steve declared. He flung his arms out at as he did, almost as though he were announcing it to the dark clouds above you. “I’m sorry for running away, but in doing it, I realised there’s only one place I want to run and that’s to wherever you are. Even if it’s almost midnight, by a lake, on a freezing cold night.”

“How did you even know I was here?” you asked.

“You have three places you go when you’re not home and that’s here, my house or the record shop and – look, I don’t want to rush you, but it would be really wonderful if we could circle back to where you stand vis-à-vis that love declaration-”

“- fucking obviously I love you too,” you cut him off.

Steve smiled. There was no doubt in his mind that you were still seething but finally, after two years of swings-and-roundabouts, you’d finally said the same thing at the same time. It had been a two year long head-ache – one you still felt dizzy from – but hey. You’d finally caught each other at the same moment. And god forbid you’d ever let him go.

“But this has to be it now, Steve,” you poked him in the chest. “No one-night stands, no other people, no bullshit. I can’t take bullshit.”

“This is it,” he said affirmatively. “I promise. I’m not ever letting you out of my sight again.”

“You promise?”

Steve grabbed your hand, pulling your pinky out of your balled up fist and wrapping it around his. “You have my word.”

Finally, he kissed you.

You’d kissed multiple times before; that fateful night two years ago, the even more fateful one in New York, and the time it almost happened in the lake just two miles from where you were stood. All of those things had taken you a step closer to this but the moment in itself felt like a weight off your shoulders. Almost like it was something that had been written in the stars since the first day you’d thrown a Lego brick at him, and both of you had been holding your breath waiting for you to happen ever since.

“I’m gonna kill Robin and Eddie, by the way,” you quietly said.

“Don’t,” Steve murmured against you. “I only just got you back. I can’t have you going to prison.”

"Yeah, fair point," you laughed. "Besides, if I can forgive you, I can forgive them."

"Hey!"

"Sorry..." you trailed off. "I love you."

Steve smiled. "I love you too."

#steve harrington x reader #steve harrington imagine #steve harrington imagines #steve harrington fluff #steve harrington angst #steve harrington fanfic #steve harrington x y/n #stranger things x reader #stranger things imagine #stranger things imagines #stranger things fluff #stranger things angst #stranger things #steve harrington #eddie munson

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beardedmrbean · 27 days ago

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Florida's Attorney General is investigating at least 160 cases of price gouging as the state reels from two hurricanes.

Ashley Moody's rapid response team has received hundreds of complaints of overcharging as some companies allegedly try to cash in on people's desperation, and the team is visiting people to gather information, Florida's WFLA TV station reported.

It said the top three counties that reported price hikes after hurricane Helene are Hillsborough, Pasco, and Pinellas, three adjoining counties in southwest Florida. Saint Petersburg is in Pinellas and Tampa is in Hillsborough.

Anna Maria Fiallos, investigator with Pinellas County consumer protection, told the station: "There's a lot of devastation and unfortunately in any situation, even in a disaster, there's bad actors that will take advantage of it. That's why we rely on our residents of Pinellas County to be alert and let us know, so we can go out and do what we can to protect them."

Newsweek has contacted Florida's Attorney General's office for comment.

At a Wednesday briefing with President Joe Biden, Vice President Kamala Harris warned that the federal government would intervene to stop companies exploiting hurricane victims.

"To any company that—or individual that might use this crisis to exploit people who are desperate for help through illegal fraud or price gouging—whether it be at the gas pump, the airport, or the hotel counter—know that we are monitoring these behaviors and the situation on the ground very closely and anyone taking advantage of consumers will be held accountable," she said.

Hurricane Milton made landfall late on Wednesday and killed over a dozen people. Nearly two million Floridians were still without power on Friday. Helene killed an estimated 230 people in late September.

United Airlines strongly denied it had jacked up prices as people hurried to flee Hurricane Milton and said a viral online photograph of its fares was inaccurate.

"United capped Florida fares on Sunday," it told Forbes via email. "Since then, the average price for a one way, economy class ticket to our hubs from affected Florida markets was below $500."

It also said it added 18 extra Florida flights.

Alan Rubin, cohead of the Severe Weather Emergency Recovery Team at the Blank Rome law firm told Newsweek that companies cannot suddenly increase prices for roof repair or debris removal after a hurricane.

"There is a standard rate for most of the services that need to be rendered, for example, debris removal, roof repair, and other standard cleanup services that are provided by either private or state contractors," he said.

"Price gouging is a particularly egregious activity that state and local municipalities view as being unacceptable and will be treated as such," he said.

Blank Rome, which has over 600 attorneys in offices throughout the U.S, has had a severe weather team in place for several decades.

Rubin said attorneys general in every state where there is a natural disaster "immediately issue a statement that indicates any price gouging or any attempt to charge more than the going rates prior to the storm will be considered an attempt to price gouge, and that is illegal in any of the states that have been affected by Hurricane Helene or Hurricane Milton."

"Additionally, prior to impending natural disasters, all gubernatorial offices must ensure that no services being rendered are considered over the normal rates," he added.

#nunyas news

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hytzroofing · 7 months ago

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Tampa florida roofing company

Looking for top-tier roofing services in Tampa, Florida? Our roofing company offers expert solutions for residential and commercial properties. Trust our team of skilled roofing contractors in Tampa, FL, for superior craftsmanship and exceptional customer service. Contact us for all your roofing needs, including repairs, installations, and maintenance.

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cis-advantage · 1 month ago

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Recovering from a storm is a multifaceted process that involves more than just cleaning up visible damage. Post-storm property restoration requires assessing structural integrity, addressing water damage, mitigating mold growth, and restoring essential systems like electricity and plumbing. Here’s a breakdown of the key stages involved:

1. Initial Damage Assessment

After a storm, a thorough inspection is critical to assess the extent of damage. A professional restoration company will examine the roof, windows, doors, and exterior walls for structural damage. They will also inspect the interior for water damage, including hidden moisture that could lead to mold growth.

Key areas that require assessment include:

2. Water Removal and Drying

Water damage is one of the most common issues after a storm, especially in flood-prone areas like St. Petersburg, Tampa, and Clearwater. It’s crucial to remove standing water quickly to prevent further damage. Restoration teams use industrial-grade pumps, vacuums, and dehumidifiers to dry the affected areas thoroughly.

Standing water can:

3. Mold Remediation

Mold is a serious concern in post-storm restoration, particularly in humid environments like Largo and Palm Harbor. Mold can begin to grow quickly in damp areas, often in hidden spaces like behind walls or under floors. Restoration teams will use specialized equipment to locate and eliminate mold to prevent long-term health risks and property damage.

Mold remediation involves:

4. Structural Repairs

After assessing the damage, the next step is making structural repairs to restore your property to its pre-storm condition. This may include repairing or replacing damaged roofs, siding, windows, and doors, as well as fixing internal structural issues such as damaged walls or weakened foundations.

Key repairs may include:

5. Restoration of Essential Systems

Storms often disrupt essential systems like plumbing, electricity, and HVAC systems. Restoration professionals will check for issues like:

6. Final Cleanup and Sanitization

The last stage of post-storm restoration is the final cleanup and sanitization process. This involves:

This step ensures that the property is safe, clean, and ready for use again.

CIS Solutions: Your Partner in Post-Storm Property Restoration

At CIS Solutions, we specialize in helping property owners recover from storm damage quickly and effectively. From water extraction and mold remediation to structural repairs, our team provides comprehensive restoration services throughout St. Petersburg, Tampa, Clearwater, and surrounding areas.

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dontmeantobepoliticalbut · 1 year ago

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When Hurricane Ian pummeled Florida last week, it left a stunning trail of physical devastation in its wake. Entire neighborhoods vanished beneath water, cities were shredded by 150-mile-per-hour winds, and thousands of people lost their homes overnight.

Though the storm has since dissipated, it will bring even more turmoil to the Sunshine State in the coming months — but this damage will be financial rather than physical. Ratings agencies and real estate companies have estimated the storm’s damages at anywhere between $30 and $60 billion, which would make it one of the largest insured loss events in U.S. history.

Wind damage is covered by standard homeowner’s insurance, and the payouts necessitated by Hurricane Ian’s extensive wreckage are likely to accelerate the collapse of the state’s homeowner’s insurance industry, driving private companies into bankruptcy and forcing thousands more Floridians into a state-run program with questionable long-term prospects. The process offers an early view of the way that natural disasters fueled by climate change threaten to upend regional economies.

Home insurance costs are poised to skyrocket for all Floridians — not just those who live in the places most vulnerable to major storms. The state will be forced to impose new taxes and penalties as it tries to keep the market afloat. New burdens will fall largely on low- and middle-income homeowners. For many working class Floridians, homeownership may become impossible to afford as a result.

“We already have a housing affordability crisis, and now we’re adding this new pressure,” said Zac Taylor, a professor at the Delft University of Technology who has studied climate risk in Florida and grew up in the city of Tampa. “Insurance is potentially the thing that is destabilizing homeownership — ironically, because it’s the thing that’s supposed to protect [homeownership] and make it possible.”

While homeowner’s insurance nationwide averages around $1500 a year, Floridians already pay almost three times as much. The state’s insurance market has been struggling ever since Hurricane Andrew made landfall south of Miami in 1992 and damaged more than 150,000 buildings. After Andrew, large private insurers like Travelers and Allstate froze their business in the state rather than risk having to pay for future disasters. This led to the creation of a public option called Citizens, which functions as an “insurer of last resort” for people who can’t find private coverage. The state also subsidized small “specialty” insurers who would only offer homeowner’s coverage in Florida, shifting market share away from national companies.

But this local market has begun to teeter in recent years, even in the absence of any major hurricanes. One reason is that Florida has become a hotbed for sham roof-repair lawsuits. Shady contractors approach a homeowner and offer her a free new roof, then file a claim with her insurer on her behalf, even if her roof didn’t actually suffer any insurable damage. Then, the contractors litigate the claim until the insurer settles. This has gotten quite expensive for insurers in the state: Florida accounted for 8% of all homeowner’s insurance claims in the United States in 2019, but more than 75% of all insurance lawsuits.

At the same time, it has become much more expensive for insurance companies to purchase their own insurance. The companies buy this so-called “reinsurance” to guarantee that they have enough money to make large payouts after big disasters, but the large global companies that sell reinsurance have gotten cagey about offering it in Florida, considering that the state has built millions of additional homes in areas vulnerable to natural disasters even as climate change increases their risk. The reinsurance companies have raised prices to account for this, and many local insurers have struggled to keep up with the costs.

The high costs of litigation and reinsurance had already driven six local insurers bankrupt so far this year, even before Hurricane Ian. In the summer, a ratings firm called Demotech threatened to downgrade several other specialty insurers, saying they weren’t stable enough to deal with a big storm. That downgrade would have made them worthless in the eyes of major lenders and effectively removed them from the market. It caused a flurry of concern from state lawmakers, one of whom said the market was about to “collapse.”

Hurricane Ian is likely to hasten that collapse by driving at least a few more homeowner’s insurance companies into bankruptcy. If Ian’s damages are close to the estimated $30 to $50 billion, it would be especially catastrophic for Florida’s already-struggling specialty insurers. The companies that do survive will have to pay even more for reinsurance, which will force them to further raise prices.

“I would predict the price of insurance will go up in Florida, or, certainly insurers will be looking for price increases,” Alice Hill, a climate change and insurance expert at the Council on Foreign Relations, told Grist. “It’s proving to be risky, particularly with climate change, looking at these storms intensifying more quickly.… Homeowner’s insurance is written on a year-by-year basis, so if a big event comes through, there’s a change next year.”

New bankruptcies and price hikes on the private market would drive thousands more Floridians to Citizens, the public insurance provider that the state established after Hurricane Andrew. The number of Floridians enrolled in Citizens has already surged over the past decade as other private insurers have collapsed, and this year the program surpassed 1 million policyholders for the first time, having doubled in size over two years. It controls around 15% of the insurance market — and more than twice that in especially vulnerable places like Miami.

“You’re going to see a big increase in the number of policies going to Citizens, and you could see a significant portion of the private market just go away,” said Charles Nyce, a professor of risk management at Florida State University and an expert on the state’s insurance market. “And the more of the market Citizens takes, the more at risk the state is.”

That’s because the state is on the hook to help Citizens pay out claims after big storms. Citizens has about $13 billion right now, and early estimates suggest that claims from Ian will only cost the program around $4 billion, so it’s not in any immediate financial jeopardy. But the program will balloon in size over the coming years as it absorbs all the people who lose coverage on the private market after Ian, and its expanding roster will leave it more vulnerable to the next big storm. If another Ian comes around, Citizens might find itself short on cash.

This would force Citizens to make what is called an assessment, or a “hurricane tax” in local lingo. When the program faces financial difficulties, it can impose a surcharge on every person in Florida who buys any kind of property insurance, from home insurance to auto insurance to business insurance. This surcharge acts as a kind of tax subsidy for people in vulnerable areas: Everyone in Florida ponies up to ensure the state can help storm victims rebuild.

“That’s the biggest concern I have,” said Nyce. “Say you’re a single mom working in Orlando living in an apartment, but yet you have to own a car. Now you’re paying an assessment on your auto insurance to subsidize someone who lives on the beach.”

Since Hurricane Ian is unlikely to stem the tide of new arrivals to Florida — and since the only insurance option for these new arrivals will be Citizens — Nyce said that these assessments could become much more common as the years go on. In the past they have never exceeded around 1.5% of annual insurance bills, but future storms could drive that number higher.

Citizens can also issue bonds to fund payouts, said Nyce. But because it would issue those bonds against the state’s credit rating, doing so could dampen the state’s own ability to borrow money, again leading to higher costs down the road. And the more tax revenue the state spends propping up Citizens, the less it has to fund other essential services like education and transportation.

The upshot is that Hurricane Ian could make life in Florida a lot more expensive for everyone in the state who owns a home or a car. Decades of rapid development and a new era of supercharged storms have created a risk burden that is impossible for the private insurance market to bear. Now, in the aftermath of Ian, the state’s 21 million residents will assume more and more of that risk, and their wallets will see its earliest effects.

For an example of how these costs might impact vulnerable Floridians, Taylor pointed to the community of Miami Gardens, a majority-Black community in the Miami metroplex that is one of the last places in the region where homes are affordable.

“How is this community supposed to reduce its risk?” they said. “How are homeowners going to deal with this? We’re talking potentially the equivalent of multiple monthly mortgage payments … and this is not poised to go [back] down. Fewer and fewer people are going to be able to afford their houses.”

#us politics #news #grist #2022 #florida #homeowners insurance #Hurricane Ian #Florida insurance market #insurance market #travelers insurance #allstate insurance #Citizens insurance #insurance claims #insurance lawsuits #hurricane tax #Florida credit rating

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bearballing · 2 years ago

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being in florida is so gr9 right now. not

like. after ian it didn’t rain at all for over a month. and then like it rained hard like just a regular rainstorm but like we were driving home from work in it and it was just..... really horrible feeling. ian fucked us all up man.

and now there’s another goddamn storm coming at us from the other side and we literally are still fixing stuff after the last time. people are still having their roofs repaired, the theater in venice still has a whole wall missing, we’re still getting 5849876540365 orders at work to replace signs that just got obliterated, there’s still tree crap and broken shit waiting to be picked up on the side of the road etc etc etc

when our house was almost totally unscathed and didnt get flooded. i said we won’t get that lucky a second time but goddamn we haven’t even gotten the $$ from the insurance company to get new shutters yet and i can’t afford to pay for flood insurance rn and AUUGFHFDGFH

also, fucking midterms and all that, fucking tampa and miami were solid red what the fuck?

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adjusters4987 · 10 days ago

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Finding the Best Public Adjusters in Tampa, Florida: A Complete Guide

Tampa, Florida, is a bustling metropolitan area celebrated for its warm climate, vibrant culture, and proximity to the Gulf of Mexico. However, like many regions in the Sunshine State, Tampa faces natural disasters, including hurricanes, storms, floods, and fire damage. Property owners often encounter significant hurdles when recovering from these events, particularly regarding insurance claims.

Filing an insurance claim can be overwhelming, filled with complex policy language and negotiations that leave homeowners and business owners feeling stressed. This is where public adjusters in Tampa come into play. They represent property owners, ensuring they receive the full compensation they deserve under their insurance policy. Unlike insurance adjusters who work for the insurer, public adjusters are independent advocates focused solely on maximizing the policyholder’s claim.

This article will delve into the role of public adjusters in Tampa, what to consider when hiring one, and why partnering with a public adjuster can enhance your chances of a favorable insurance settlement.

The Role of a Public Adjuster in Tampa

When property damage occurs, the insurance claim process begins. Typically, insurance companies dispatch their own adjuster to assess the damage and determine compensation. However, these adjusters represent the insurer's interests, which can result in settlements that fall short of covering repair costs or losses.

Public adjusters are licensed professionals who advocate for policyholders. Their primary goal is to ensure fair compensation for your losses in line with your policy. They thoroughly evaluate the damage, review your policy, and negotiate with the insurance company on your behalf.

In a city like Tampa, where weather-related damage is common, public adjusters provide invaluable expertise in handling specific types of claims, including those related to hurricanes, floods, and wind damage. Hiring a public adjuster can alleviate the stress and confusion often associated with the claims process, allowing you to focus on recovery while they manage paperwork, inspections, and negotiations.

Why Hire a Public Adjuster in Tampa, Florida?

Expert Knowledge of Local Conditions Tampa’s Gulf Coast location makes it particularly vulnerable to hurricanes, tropical storms, and flooding, which can lead to complicated insurance claims. Public adjusters in Tampa are familiar with the unique challenges associated with these claims and understand the local insurance landscape. Their knowledge of local building codes, weather patterns, and common damage causes allows them to accurately assess losses and ensure the insurance company considers all relevant factors when determining compensation.

Maximizing Your Insurance Claim One of the significant benefits of hiring a public adjuster in Tampa is their ability to increase the settlement amount. Insurance companies often propose low initial settlements, hoping policyholders will accept them. Public adjusters are adept at navigating policy language and negotiating with insurers to secure the highest possible payout. In a region where residents and businesses frequently face storm-related risks, having an experienced public adjuster can make a critical difference between an inadequate offer and a settlement that covers all repair and restoration costs.

Handling Complex Claims Property damage claims can be intricate. After significant incidents like hurricanes or floods, claims may involve various damage types, including structural issues, water damage, mold growth, and loss of personal belongings. Public adjusters are skilled in managing complex claims, ensuring that every aspect of the damage is accounted for. For instance, after a hurricane, public adjusters in Tampa assess both visible damage, like broken windows and roof damage, as well as hidden problems, such as water infiltration and mold. Their thorough evaluations help ensure nothing is overlooked.

Saving You Time and Reducing Stress Filing an insurance claim can be time-consuming and stressful, especially while trying to rebuild your home or business. Public adjusters handle the entire claims process, allowing you to concentrate on recovery. They manage everything from initial property inspections to negotiations with the insurance company, keeping you informed throughout. By hiring a public adjuster, you save time and minimize the risk of errors in your claim, which could lead to delays or reduced settlements.

How to Choose the Best Public Adjuster in Tampa

Licensing and Credentials Before hiring a public adjuster, confirm that they are licensed to operate in Florida. The Florida Department of Financial Services regulates public adjusters, and you can verify their licensing status online, ensuring they meet the necessary qualifications and adhere to state standards.

Experience with Tampa Claims Given Tampa's susceptibility to specific property damage types, such as hurricanes and flooding, it's vital to select a public adjuster experienced in these claims. An adjuster familiar with the local insurance environment and the unique challenges posed by Florida’s climate will be better positioned to secure a favorable outcome.

Conclusion

Public adjusters in Tampa, Florida, offer crucial support to property owners navigating insurance claims. Whether dealing with hurricane damage, flooding, or other losses, a skilled public adjuster can help ensure you receive the compensation you deserve. By carefully choosing a licensed, experienced, and reputable public adjuster, you can approach the claims process with confidence and increase your chances of a favorable settlement.

#Public Adjusters in Tampa

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