The Alabama Department of Insurance approved premiumsfor coastal counties that are 4 times higher than the rest of the state,

even though it had no proof that Mobile and Baldwin losses were higher!

Where’s the

?

Rep. Joe Faust and the Homeowners Hurricane Insurance Initiative (HHII)

authored the Alabama Clarity Law.

It requires collection of Alabama insurance claims and premiums data by zip code and county.

Sen. Trip Pittman and our coastal legislators passed the law in 2012.

Its 10 years of data came online Nov. 27, 2013

MontgomeryRussellMobileAutaugaBarbourDeKalbHoustonPerryCrenshawGenevaTuscaloosaLimestonePikeLeeDaleGreeneMonroeCovingtonHaleButlerCoffeePickensShelbyBaldwinChoctawClay

$379.54 $374.51 $373.23 $373.17 $371.13 $365.61 $364.85 $360.41 $353.17 $326.16 $320.52 $314.65 $306.74 $306.42 $297.41 $294.68 $294.05 $287.30 $284.02 $283.97 $283.06 $276.44 $267.57 $265.16 $218.59 $149.51

2006JacksonMobileFranklinDallasMarshallTalladegaTuscaloosaShelbyLauderdaleHoustonCovingtonLimestoneBibbBullockChoctawTallapoosaConecuhDaleCrenshawBaldwinSumterEscambiaPikeLeePickensClayButler

2007$325.36 $324.05 $323.33 $322.91 $318.98 $316.11 $313.19 $307.61 $306.59 $305.56 $302.28 $300.69 $297.06 $293.88 $290.97 $286.46 $285.72 $273.17 $271.78 $266.58 $247.67 $225.67 $208.73 $208.54 $205.87 $174.06 $173.74

2008EscambiaChoctawPickensMontgomeryClayHoustonLowndesRandolphCoffeeElmoreDallasChambersTuscaloosaBarbourWashingtonMonroeDaleCovingtonConecuhPikeBaldwinButlerMobileAutaugaCrenshawSumter

$531.83 $528.30 $526.30 $519.86 $515.75 $507.03 $493.16 $489.32 $488.57 $485.91 $475.97 $469.53 $453.49 $443.18 $428.67 $415.09 $403.27 $393.22 $376.63 $337.40 $303.93 $293.73 $285.89 $279.89 $250.15 $146.82

2009JeffersonGenevaTalladegaWashingtonBarbourPickensShelbyCrenshawPerryCoffeeMonroeChambersDaleCovingtonHoustonMobileHaleTuscaloosaPikeTallapoosaChoctawRandolphLeeEscambiaButlerBaldwin

$451.81 $448.27 $442.39 $431.15 $421.98 $411.06 $402.23 $394.34 $394.33 $386.37 $381.75 $380.81 $378.50 $365.63 $358.36 $350.59 $345.75 $342.89 $339.67 $334.76 $326.10 $311.73 $301.34 $287.98 $271.74 $244.24

2006: Mobile in bottom third; Baldwin third lowest2007: Mobile in bottom third; Baldwin eighth lowest2008: Mobile in bottom sixth; Baldwin WITH LEAST LOSSES in state 2009: Mobile and Baldwin in the bottom six (the year of Tropical Storm Ida)

When counties are compared Mobile and Baldwin are in the bottom-third Alabama counties with the least amount of losses

2010BlountCherokeeChoctawClarkeTuscaloosaDaleHoustonConecuhHenryGenevaElmoreClayEscambiaBarbourRussellPikeLeeMobileCoffeeBibbAutaugaPickensCovingtonCrenshawButlerBaldwin

$490.57 $471.24 $461.61 $457.73 $452.46 $448.61 $436.71 $434.11 $423.90 $422.98 $406.46 $404.20 $398.77 $374.13 $372.93 $363.63 $359.17 $340.08 $335.90 $319.62 $306.68 $300.75 $290.72 $265.82 $246.48 $228.73

TalladegaMaconMorganChiltonLeeMonroeClarkeBarbourLowndesDallasAutaugaBullockRussellClayHenryMontgomeryCovingtonLamarPikeEscambiaCleburneRandolphButlerMobileBaldwinCrenshaw

$758.60 $750.73 $704.60 $652.20 $617.90 $607.66 $600.24 $578.99 $577.52 $526.04 $513.92 $513.19 $499.98 $497.18 $474.71 $446.50 $439.31 $432.94 $427.62 $425.84 $395.91 $390.72 $334.23 $311.85 $296.55 $225.25

2011 2012BibbFranklinDaleMarengoHenryConecuhLeeLamarMontgomeryCrenshawDallasBullockMobilePikeCleburneCovingtonEscambiaCoosaMonroeWashingtonBarbourChoctawAutaugaButlerFayetteBaldwin

$400.07 $397.63 $383.39 $382.22 $372.32 $367.09 $351.96 $350.31 $334.56 $332.09 $322.20 $312.70 $301.46 $299.05 $293.67 $269.22 $268.13 $264.01 $259.30 $253.84 $247.18 $245.76 $234.57 $224.49 $185.31 $156.61

2010: Mobile in bottom ten; Baldwin in WITH LEAST LOSSES in state 2011: Mobile third lowest; Baldwin second lowest2012: Mobile in bottom fourth; Baldwin WITH LEAST LOSSES in state

(NOTE: 2012 was the year of Mobile’s Christmas tornados)

Bottom-third Alabama Counties with the least amount of losses

The coastal counties didNOT

have the highest losses even in the years of the hurricanes.

During Hurricane Ivan, 12 inland counties had more proportional damage than Mobile County: Escambia, Monroe, Conecuh, Clarke, Wilcox, Washington, Butler, Covington, Lowndes, Choctaw, Marengo and Perry.

During Hurricane Ivan, 7 inland counties had more proportional damage than Baldwin: Washington, Escambia, Choctaw, Sumter, Clarke, Pike and Greene.

ALL the counties in blue

cost insurance companies

money that year.

Escambia

Monroe

Conecuh

Clarke

BaldwinWilcox

Washington

Butler

Covington

Lowndes

Choctaw

Marengo

Perry

MobileCrenshaw

Dallas

Greene

Chilton

Autauga

Coosa

MontgomeryDale

Coffee

$7,465.12

$6,598.73

$4,407.63

$3,879.30

$3,729.75 $3,186.54

$2,136.23

$1,913.39

$1,891.53

$1,868.62

$1,735.39

$1,653.14

$1,606.87

$1,482.68 $1,465.59

$1,384.71

$1,304.72

$1,172.92

$1,162.45

$1,148.80

$1,103.24 $1,102.63

$1,082.88

Geneva

Sumter

Pike

Elmore

Hale

Bullock

Henry

Walker

Houston

Lawrence

Colbert

Macon

Winston

Fayette

Etowah

Limestone

Jefferson

DeKalb

Marion

Marshall

Lamar

Talladega

Lauderdale

$1,042.55

$980.58

$879.59

$803.91

$793.65

$761.25

$651.31

$632.19

$609.94

$546.40

$532.74

$532.01

$501.93

$461.45

$453.23

$451.28

$448.42

$447.59

$442.65

$430.25

$422.51

$416.54

$407.02

Calhoun

Franklin

Barbour

Cullman

Morgan

Jackson

Blount

Tuscaloosa

Shelby

Chambers

Saint Clair

Bibb

Madison

Tallapoosa

Russell

Randolph

Clay

Cherokee

Pickens

Lee

Cleburne

$405.02

$403.82

$402.85

$391.43

$388.17

$387.76

$364.82

$357.31

$329.15

$322.63

$319.53

$319.22

$297.63

$292.27

$281.37

$256.76

$254.80

$251.11

$248.12

$244.11

$233.00

Ivan - 2004

MobileWashington

Escambia

Choctaw

Sumter

Clarke

Pike

Greene

BaldwinMontgomery

Pickens

Lowndes

Perry

Wilcox

Marengo

Lawrence

Hale

Macon

Walker

Monroe

Fayette

Dallas

$2,483.91

$2,131.21

$1,944.35

$1,647.91

$1,480.28

$1,223.53

$1,101.02

$1,100.37

$1,042.53

$1,041.62

$1,041.51

$933.24

$930.40

$834.05

$803.93

$802.80

$766.70

$761.67

$720.35

$710.02

$701.38

$662.84

Tuscaloosa

Conecuh

Marion

Chilton

Barbour

Elmore

Winston

Cullman

Bibb

Coffee

Chambers

Cherokee

Lamar

Butler

Houston

Coosa

Geneva

Colbert

DeKalb

Crenshaw

Lauderdale

Bullock

Etowah

$619.75

$616.12

$600.86

$576.19

$566.16

$565.67

$563.14

$546.14

$496.94

$490.96

$487.80

$484.86

$480.08

$479.24

$470.52

$468.22

$466.39

$461.37

$455.90

$440.28

$437.75

$423.43

$422.52

Marshall

Morgan

Autauga

Blount

Jefferson

Henry

Calhoun

Talladega

Dale

Covington

Tallapoosa

Limestone

Jackson

Shelby

Russell

Madison

Saint Clair

Lee

Clay

Franklin

Cleburne

Randolph

$420.17

$417.95

$412.86

$389.93

$389.29

$389.03

$373.29

$364.52

$363.17

$355.85

$352.76

$344.52

$343.71

$325.58

$320.55

$312.43

$298.68

$274.33

$254.88

$252.18

$251.01

$245.45

All the counties in blue cost insurance companies money.

Katrina -2005

Hurricane Ivan losses . . . . . . . . . . . . . $312 millionKatrina losses . . . . . . . . . . . . . . . . . . $276 millionCombined coastal losses . . . . . . . . . . . $588 millionCoastal premiums in 2004 & 05 totaled . . . $275 million

When premiums and deductibles were at the state average,

HALF the cost of the hurricanes were paid with premiums collected in the

same year as the storms.

South Alabama’s coastal counties have lower losses per policy than the rest of the state because: -- hurricanes do significant damage

statewide

-- upstate tornados and hail doextensive damage inland

$1,384Premium

$786 Premium

All of State State excluding coastCoastal Counties

The coastal counties did not suffer 4 times more in losses than

the rest of the state.They have had LESS.

YET. . .the Department of Insurance

decided to allow companies to charge coastal counties

4 times more.

The average price for homeowners insurance around the rest of the state is $950!

It is time for the Department of Insurance to halt the unfair discrimination against Alabama’s coastal counties.

As in the decades before 2006, we should pay the state average. Less actually.

ALABAMA RATE STATUTES•Alabama statute says that rates must not be:

* Excessive* Inadequate* Unfairly discriminatory

HHII asks the public to

-- Go to the Homeowners Hurricane Insurance Initiative (HHII) website & join the Groundswell!

-- Receive updates by email-- Learn about the solutions

www.hhii.us