[CSwofford147@comcast.net]

I replied

[CSwofford147@comcast.net]

There are thousands and thousands of people who have tried to get insurance but received this result but Janet Tutt does not think that this is important. You get insurance if you buy a new home but not a resale after 2011. driving your golf cart is far more important than insuring your home. If Janet Tutt is right and every one in the Villages home is properly insured then have her prove it. If she is concerned about the safety and welfare of the villagers them help them with this problem.

[CSwofford147@comcast.net]

The Villages Fire Marshall said at the Welcome Wednesday 10/22/2015 meeting there is no problems or safety concerns with CSST. Follow the National Association of Fire Protection link and Google CSST and Lighting and class action lawsuits Read the National Fire Protection Association report and link it is more than possible that there are some problems

"Kathleen
FW: This is a concern sent to be discussed by the Sumter County Comissioners Almand"
<K ... <span>
Sent By:Sent By Kathleen Almand On:Jan 01124/15 1 :31 aI/I + Add to



T o:To cswofford 147,-i!,comcast.ncL
•.....•.
Message


Address
Book
7443. Validation of installation methods for CSST gas piping Full Report Fire Protection Research

Validation of installation methods for CSST gas piping


Mr_ Swofford, thank you for your email. Please feel free to share our report with those who you think
may benefit from the information. It can be found on line at this location.
Kathleen H. Almand, P.E.
Vice President, Research, National Fire Protection Association
Executive Director, Fire Protection Research Foundation
617-984-7282
from: Peterson, Eric

[rubicon]

Originally Posted by CSwofford147@comcast.net

If people were told who were buying resale's in the villages that they could not insure there homes against all perils would they buy there homes. Why does the villages give people sinkhole insurance on new home sales but not on resale's. Why does the District Manger Janet Tutt talk about golf cart safety and golf cart insurance and never mention CSST which has caused fires here and fires and explosion and deaths, class action law suits all over the country. CSST and Sinkhole insurance our just as important as Golf cart safety and Golf cart insurance. Is it not convenient to talk about these very real issues or it is because Janet Tutt works for the developer and not the Villagers if Janet Tutt has a problrm talking about these impediment to home sales I would be happy to meet her at the next welcome Wednesday meeting if she is really concerned about the Villagers she should have no problem discussing this. I have nothing to hide does she. This subject needs to be talked about and I think Janet Tutt should be the one to talk about.

Dear OP: The Villages is a special place for many residents and especially to folks who have worked hard all their lives and now want just a few years of peace and quiet. They fought the hard fights, sacrificed, bit their tongues more often then they wish to admit and now are tired of the fight and just want to relax and play.

And so while I agree with what you say, the proposal you suggest and the proposals the POA have made in the past in connection with anything problematic having to do with The Villages is like chasing a critter down a rabbit hole. The Villages personnel promote and will only tolerate happy talk (political correct). Their marketing technique is to promote a shan-gri-la and anyone doing business with The Villages, including the Daily Sun must fall in line.

[golfing eagles]

Let's see if we can dispel some fear with some facts:

According to USA Today, quoting a Univ. of FL professor who has studied sinkholes his whole career, there have been 3 deaths from sinkholes in the last 40 years. One was the man in Tampa in his bedroom---the body was never recovered. The other two were swallowed up while drilling wells. If we assume no one in TV is going to be drilling a well, that leaves 1 death in 40 years. The average population of FL over the last 40 years is approx. 14 million, so your odds of death by sinkhole is 1 in 560 million per year or 1 in 14 million over a 40 year span. Compare this with the odds of the following causes of death:

http://i.kinja-img.com/gawker-media/...0jqyy7agif.gif

Now for economic damages and insurance:
According to the FL insurers, there were 24,000 claims totaling 1.4 billion in damages in the 5 years 2006-2010. However, according to the FL state geologic survey, there have been 3500 sinkholes in FL since 1954 = about 60 per year, which would be 300 in 5 years. Anyone think there may be some fraudulent claims??? The average claim was about $56,000.

FL has about 9 million housing units, 3 million are multi-unit dwellings and 6 million are single family homes. If we go high and assume each home is on a 1/2 acre lot, that's 3 million acres of property. FL's area is 45.6 million acres, so 1/15 is property with a single family home on it. So of the 60 sinkholes per year, we can expect 4 to be on such lots. Therefore the odds of a sinkhole on YOUR property is about 4/6 million or 1 in 1.5 million/year. Let's go further and assume 100% of those sinkholes cause sub-catastrophic damage to your home totaling $200,000 (minus 10% deductible). It looks like the insurance costs about $1,500/year, so your odds adjusted ROI is $1.80. If you like these odds, please come to my (illegal) casino I plan on opening. Yet people are clamoring to get this insurance. What I don't understand is why insurers are reluctant to offer it. After all, if they can collect $1,500/year from 6 million individual homes = 9 billion/year they can pay out all the claims including fraudulent claims of 300 million/year and make a fortune! Now, I have found a few internal inconsistencies in my analysis, which I suspect is due to under reporting of sinkholes , especially in unpopulated areas, to the Geologic survey. So make it TEN TIMES as many and your ROI on the insurance of $1,500/year is now $18. I do realize that odds don't matter if you are the unlucky victim, but the same odds do not support the degree of fear that is being posted on ToTV

[looneycat]

Originally Posted by CSwofford147@comcast.net

At October 21, 2015 Welcome Wednesday meeting District Manger Janet Tutt stated on the record that no one had ever been denied property insurance ie comprehensive sinkhole insurance based on the location of the property. That would mean having home rated using the Sinkhole index of 0 to 800 with 800 most impacted by proximity to sinkhole activity. I received a letter denying me insurance based solely on the location of my home. I would like to know any other Villagers experiences concerning this statement that no one has ever been denied insurance based on the location of there home.

were you denied regular coverage or sinkhole insurance?

[looneycat]

Originally Posted by CSwofford147@comcast.net

There are thousands and thousands of people who have tried to get insurance but received this result but Janet Tutt does not think that this is important. You get insurance if you buy a new home but not a resale after 2011. driving your golf cart is far more important than insuring your home. If Janet Tutt is right and every one in the Villages home is properly insured then have her prove it. If she is concerned about the safety and welfare of the villagers them help them with this problem.

that is specific sinkhole insurance not catastrophic coverage and acceptance is always based on proximity to reported past sinkholes. this kind of insurance is pretty much denied in all of the villages and the surrounding area. tutt isn't your mommy, handle your own problems instead of dishing blame, because blaming someone else means you're not doing anything to help your situation.

[tuccillo]

The cost is about $150/year, not $1500/year.

Originally Posted by golfing eagles

Let's see if we can dispel some fear with some facts:

According to USA Today, quoting a Univ. of FL professor who has studied sinkholes his whole career, there have been 3 deaths from sinkholes in the last 40 years. One was the man in Tampa in his bedroom---the body was never recovered. The other two were swallowed up while drilling wells. If we assume no one in TV is going to be drilling a well, that leaves 1 death in 40 years. The average population of FL over the last 40 years is approx. 14 million, so your odds of death by sinkhole is 1 in 560 million per year or 1 in 14 million over a 40 year span. Compare this with the odds of the following causes of death:

http://i.kinja-img.com/gawker-media/...0jqyy7agif.gif

Now for economic damages and insurance:
According to the FL insurers, there were 24,000 claims totaling 1.4 billion in damages in the 5 years 2006-2010. However, according to the FL state geologic survey, there have been 3500 sinkholes in FL since 1954 = about 60 per year, which would be 300 in 5 years. Anyone think there may be some fraudulent claims??? The average claim was about $56,000.

FL has about 9 million housing units, 3 million are multi-unit dwellings and 6 million are single family homes. If we go high and assume each home is on a 1/2 acre lot, that's 3 million acres of property. FL's area is 45.6 million acres, so 1/15 is property with a single family home on it. So of the 60 sinkholes per year, we can expect 4 to be on such lots. Therefore the odds of a sinkhole on YOUR property is about 4/6 million or 1 in 1.5 million/year. Let's go further and assume 100% of those sinkholes cause sub-catastrophic damage to your home totaling $200,000 (minus 10% deductible). It looks like the insurance costs about $1,500/year, so your odds adjusted ROI is $1.80. If you like these odds, please come to my (illegal) casino I plan on opening. Yet people are clamoring to get this insurance. What I don't understand is why insurers are reluctant to offer it. After all, if they can collect $1,500/year from 6 million individual homes = 9 billion/year they can pay out all the claims including fraudulent claims of 300 million/year and make a fortune! Now, I have found a few internal inconsistencies in my analysis, which I suspect is due to under reporting of sinkholes , especially in unpopulated areas, to the Geologic survey. So make it TEN TIMES as many and your ROI on the insurance of $1,500/year is now $18. I do realize that odds don't matter if you are the unlucky victim, but the same odds do not support the degree of fear that is being posted on ToTV

[golfing eagles]

Originally Posted by tuccillo

The cost is about $150/year, not $1500/year.

I have no independent knowledge of the premium. A poster on a different sinkhole thread stated he paid $1560, and his friend who had it for a few years paid $1280. Perhaps the premium varies by location

[tuccillo]

That is what I pay. Sounds like someone is confusing total home owner's policy cost with the optional sinkhole rider.

Originally Posted by golfing eagles

I have no independent knowledge of the premium. A poster on a different sinkhole thread stated he paid $1560, and his friend who had it for a few years paid $1280. Perhaps the premium varies by location

[golfing eagles]

Originally Posted by tuccillo

That is what I pay. Sounds like someone is confusing total home owner's policy cost with the optional sinkhole rider.

Could be likely

[rubicon]

Originally Posted by golfing eagles

Let's see if we can dispel some fear with some facts:

According to USA Today, quoting a Univ. of FL professor who has studied sinkholes his whole career, there have been 3 deaths from sinkholes in the last 40 years. One was the man in Tampa in his bedroom---the body was never recovered. The other two were swallowed up while drilling wells. If we assume no one in TV is going to be drilling a well, that leaves 1 death in 40 years. The average population of FL over the last 40 years is approx. 14 million, so your odds of death by sinkhole is 1 in 560 million per year or 1 in 14 million over a 40 year span. Compare this with the odds of the following causes of death:

http://i.kinja-img.com/gawker-media/...0jqyy7agif.gif

Now for economic damages and insurance:
According to the FL insurers, there were 24,000 claims totaling 1.4 billion in damages in the 5 years 2006-2010. However, according to the FL state geologic survey, there have been 3500 sinkholes in FL since 1954 = about 60 per year, which would be 300 in 5 years. Anyone think there may be some fraudulent claims??? The average claim was about $56,000.

FL has about 9 million housing units, 3 million are multi-unit dwellings and 6 million are single family homes. If we go high and assume each home is on a 1/2 acre lot, that's 3 million acres of property. FL's area is 45.6 million acres, so 1/15 is property with a single family home on it. So of the 60 sinkholes per year, we can expect 4 to be on such lots. Therefore the odds of a sinkhole on YOUR property is about 4/6 million or 1 in 1.5 million/year. Let's go further and assume 100% of those sinkholes cause sub-catastrophic damage to your home totaling $200,000 (minus 10% deductible). It looks like the insurance costs about $1,500/year, so your odds adjusted ROI is $1.80. If you like these odds, please come to my (illegal) casino I plan on opening. Yet people are clamoring to get this insurance. What I don't understand is why insurers are reluctant to offer it. After all, if they can collect $1,500/year from 6 million individual homes = 9 billion/year they can pay out all the claims including fraudulent claims of 300 million/year and make a fortune! Now, I have found a few internal inconsistencies in my analysis, which I suspect is due to under reporting of sinkholes , especially in unpopulated areas, to the Geologic survey. So make it TEN TIMES as many and your ROI on the insurance of $1,500/year is now $18. I do realize that odds don't matter if you are the unlucky victim, but the same odds do not support the degree of fear that is being posted on ToTV

golfing eagles I made mention of this in post #11. You follow up with some statistics that point to why the insurance companies got aggressive concerning this coverage and I can't blame them. The OP is doing battle with TV and he should understand that TV is protective of product. what I am not certain of is if his concern involves only his property or if he is selling sinkhole product, perhaps other property coverages and he and Janet Tutt had a difference of opinion??????????????????

[tuccillo]

The rider is inexpensive but it does have a 10% deductible (10% of the house value). Catastrophic sinkhole damage (your home is condemned) is, of course, covered by your home owner's policy with whatever deductible you have chosen. The sinkhole rider covers sinkhole remediation where your home is still inhabitable.

Originally Posted by golfing eagles

Could be likely

[golfing eagles]

Originally Posted by rubicon

golfing eagles I made mention of this in post #11. You follow up with some statistics that point to why the insurance companies got aggressive concerning this coverage and I can't blame them. The OP is doing battle with TV and he should understand that TV is protective of product. what I am not certain of is if his concern involves only his property or if he is selling sinkhole product, perhaps other property coverages and he and Janet Tutt had a difference of opinion??????????????????

Beats me. Did he try only one insurer, get denied, and is now touting how wrong Janet Tutt was? Is he planning to sell sinkhole insurance? Maybe he will be kind enough to clarify just what his point is.

[Mleeja]

It seems to me the OP's anger is misplaced.. The Villages or Janet Tutt does not sell insurance or set policy on coverage. His issue is with the insurance companies.