Saturday, 29 October 2016

It's been 1,050 days, 150 weeks, 25,200 hours1,512,000 minutes, and 90,720,000 seconds since we lost our house and everything that wasn't in my car to a fire. I had insurance, and as I explained in previous posts, I�ve been fighting in court with Heritage insurance company who�s refused to pay my claim. Although these numbers confound me, I am encouraged by the number of daily visitors to this protest blog. Equally, I�m enthralled by the number of people who approach me on the street to commiserate. These are people who�ve seen my blog advertised on my car window. Recently, I was entering the garage at the university where I teach when one such compatriot flagged me down.  From a distance the man�s hunched frame, shaky but determined walk, and white hair reminded me of one of my favorite people who ever lived�my grandfather. How I miss this man of character.
My grandfather was a silent giant. His name was Demeurant. The living. He had been blessed by our ancestors to carry on our best features---charcoal hue and bone-white teeth. By the time I could form a thought, my grandfather had gray hair; however, he didn�t seem old to me. For, every morning, he would leave our compound at around 5 on his favorite horse to go to his farm. Although on my family compound we had a large garden, the commercial farm was a few miles away. Then, he would return mid-day to work in the wood workshop with some of his seven sons, my uncles. They made coffins and saddles for the locals, but statuettes for tourists. 
Reluctantly, I forced my mind to leave images of my smiling grandfather behind and to return to the old man approaching my car.
I exited the car and faced the elderly garage attendant. In his best English coupled with my best Spanish, I managed to string together his story. He said, �I too Heritage victim.� No doubt he had seen the address of my blog written on every window of my car and read the postings. I listened to his story. He told me that he and his wife have worked menial jobs for over forty years. Early last year, their modest home began to leak. The mold spread aggressively. They filed a claim with Heritage. He told me Heritage refused to pay.  �I been suffering,� he said, the frailty in his voice pierced through me. He confided that he has had to hire a lawyer, but he is worried because he�s heard about how the insurance companies use the courts to bankrupt people with legitimate claims while their CEO�s make million dollars.
I barely felt his hand squeezing mine. As we parted, promising to catch up after my class or whenever we see each other again, a familiar feeling of the world closing in on me  came over me. I rushed to the bathroom to splash cold water on my face, wondering if this elderly man will lose everything too.  Will he have to work two full-time jobs like me so he can pay legal bills that range from 2 thousand to 9 thousand a month? How will he do it? Will the stress of it all take his life? Heritage Company�s motto is �Pillar of character.� Reader, you be the judge.  
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Tuesday, 4 October 2016


Reader, it's been 1,030 days since my children, my husband and I have been out of our home. There is a hurricane in the atmosphere that could kill us because we live in a little trailer behind the burnt shell of our former home. Even though I work two jobs, I still can't make ends meet after I pay my legal fees, which can be as high as $9,000 per month. Because the burnt shell of the house is still erected, I am not able to get a permit to run electricity or running water to my trailer. But, I rise. Imagine where my mind is right now as I watch that big category 4 monster barrel down on our hemisphere. I am afraid my trailer will be blown to pieces. Where will I go? I have no family. Friends are too embarrassed of what we have become. They have stopped calling. That's okay. I know one thing, the children of Heritage & Property Casualty executives don't have to fear for their lives.



This past June, Heritage, which is rated C by the reputable Weiss Ratings of Palm Beach Gardens (Palm beach Post) requested a hearing to ask the Florida Office of Insurance Regulation  for almost a 15% rate increase on policies. According to the Palm Beach Post and insurancenewsnet.com, "Non-employee directors on the board are getting a pay raise as well in 2015, from $45,000 to $100,000, disclosures say." Don't forget that Heritage's CEO, Mr. Lucas make over 70 millions a year. I have an idea, Heritage, get some real character. Do the right thing. Pay your claims instead of stuffing your pockets. Not to be outdone, Citizens requested the same thing and look what the benevolent Office of Insurance Regulations has granted them:
Date
File Log #
Account
Total #
of Policies
Earned
Premium
Amount
Estimated
Rate
Established*
Order/Exhibits
9/30/2016
16-18917
Commercial Property Residential Multi-Peril (Condo Assn.) (CLA)
1,128
$46,169,060
4.5%
increase
Order
Applies to all Commercial Property filings.

16-18920
Commercial Property Residential Multi-Peril (Ex. Condo Assn.) (CLA)
1,143
$26,584,687
5.4% 
increase


16-19213
Commercial Property Non-Residential Multi-Peril (CLA)
1,460
$10,592,279
0.0%


16-19498
Commercial Property Residential Wind Only (Ex. Condo Assn.) (CA)
2,767
$22,177,985
11.2%
increase


16-19500
Commercial Property Residential Wind Only (Condo Assn.) (CA)
3,099
$63,424,724
11.9%
increase


16-19522
Commercial Property Non-Residential Wind Only (CA)
13,103
$84,144,009
9.8%%
increase

9/14/2016
16-16024
Homeowners Multi-Peril (PLA)
254,985
$482,131,192
6.4%
increase
Order
Applies to all Personal Property filings.

16-16025
Homeowners Wind Only (CA)
132,888
$271,605,868
8.2%
increase


16-16575
Property/Personal (Dwelling Fire) (PLA)
153,078
$218,723,734
5.3%
increase


16-16576
Property/Personal (Dwelling Fire) Wind Only (CA)
22,168
$47,619,564
9.3%
increase


16-16785
Mobile Homeowners Multi-Peril (PLA)
23,362
$19,433,734
5.7%
increase


16-16788
Mobile Homeowners Wind Only (CA)
5,045
$3,834,828
10.3%
increase


16-16866
Mobile Homeowners (Dwelling Fire) Wind Only (CA)
497
$381,029
10.5%
increase


16-16867
Mobile Homeowners (Dwelling Fire) (PLA)
39,770
$16,433,676
3.2%
increase


RATE FILING DECISIONS:

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