Insurance Companies REFUSE to Pay!
They are artificially creating these devastating situations for families and then they blame it on God as a natural occurrence to remove LIABILITY!! Same with the forest fires! It's not just happening in Florida.
Weather as a Force Multiplier: Owning the Weather in 2025
https://ia601605.us.archive.org/35/items/WeatherAsAForceMultiplier/WeatherAsAForceMultiplier.pdf
The Florida insurance industry is collapsing, and it could take the whole housing market down with it.
Homeowners are facing mounting debt, and the risk of losing their homes. Meanwhile, Governor DeSantis has taken $3.9 million in donations from the insurance industry.
BUT YET THEY HAVE TO HAVE THIS SO CALLED INSURENCE!!!
if the insurance companies can deny your claim what is the purpose of you paying insurance to protect your home
We Went To Florida: The Housing Insurance Crisis Will Shock You
https://www.youtube.com/watch?v=RdSa7dol1ng
Manatee County homes flooded from water release during Tropical Storm Debby Residents of Laurel Meadows subdivision, East of Sarasota, off of Lorraine Rd woke up to flooded streets Monday morning after heavy rain over night, up the ten inches fell on the area as Tropical Storm Debby passed by in the Gulf of Mexico.
All of the retention ponds in the subdivision overflowed their banks and filled the street with flood water.
By late afternoon many houses had several inches of water or more in the homes and two to three feet or more in the streets as the water continued to rise throughout the day into evening.
Many residents were given rides in and out of the subdivision in boats, personal watercraft, kayaks, ATVs, UTVs, and other high water capable trucks, Humvees, etc.
2 p.m.: Some Manatee Homes were flooded due to Manatee County decision to release water from Lake Manatee
Lucy White weathered Debby nearly unscathed until Manatee County released water from Lake Manatee on Monday.
She is among many local residents whose homes were inundated by water from the release.
"You should see the water in my house," White said. "It's mud. It's brown. It's brackish water coming through the pasture. It's really disgusting. Our horses are standing out there in knee-deep water, their barns are underwater, and my whole downstairs is destroyed. All of the furniture, the cabinets, everything because when they open that dam, it comes in so fast you can't do anything to save it."
11:45 a.m.: Sarasota County unveils new map that tracks flooded roads from Tropical Storm Debby
A new interactive map from Sarasota County shows which roads in the county are currently underwater. It lists 36 roads that have been identified as flooded.
10:15 a.m.: Rainfall from Tropical Storm Debby has pushed Manatee and Myakka rivers above flood stage
Rainfall from Hurricane Debby has pushed both the Manatee and Myakka rivers above flood stage.
The Myakka River, which has been above flood stage since Monday afternoon, is projected to hit a high of 10.4 feet at Myakka State Park by 5 p.m. Thursday, according to a 6 a.m. update from the National Weather Service in Ruskin, with floodwaters potentially impacting State Road 72 and downstream flooding impacting the city of North Port.
North Port public work employees have been manipulating water control structures to offset the potential impact.
The river is anticipated to still be at a moderate flood stage through Sunday.
9:30 a.m.: How to apply for disaster relief in Sarasota, Bradenton due to damage from Tropical Storm Debby
United Way Suncoast has posted a disaster recovery resource page for residents impacted by Tropical Storm Debby.
"We're constantly updating this page," said Ernest Hooper, spokesperson for United Way Suncoast, whose five-county service area covers Sarasota, Manatee, DeSoto, Pinellas and Hillsborough counties.
7:30 a.m.: Which roads are closed in Sarasota and Manatee counties due to flooding or damage from Tropical Storm Debby?
Today is the first day that getting back on local roads is feasible, as Tropical Storm Debby flood waters slowly begin to recede in some areas. Not all roads are passable yet, however. And remember Sarasota County's advice: "Turn around, don't drown. More than 50 percent of all flood-related fatalities involve vehicles. Be cautious of flooded roadways. Do not drive through standing water.
https://www.msn.com/.../live-updates-sarasota.../ar-AA1ojNxh
Laurel Meadows neighborhood in Sarasota still dealing with flooding days after Debby
Storm Debby Reports
https://sarco.maps.arcgis.com/apps/instant/media/index.html?appid=5e6a9275914e40a48119b509a3602744
"The largest insurer in California said it would stop offering new coverage. It’s part of a broader trend of companies pulling back from dangerous areas."
"The climate crisis is becoming a financial crisis.
This month, the largest homeowner insurance company in California, State Farm, announced that it would stop selling coverage to homeowners. That’s not just in wildfire zones, but everywhere in the state.
Insurance companies, tired of losing money, are raising rates, restricting coverage or pulling out of some areas altogether — making it more expensive for people to live in their homes.
“Risk has a price,” said Roy Wright, the former official in charge of insurance at the Federal Emergency Management Agency, and now head of the Insurance Institute for Business and Home Safety, a research group. “We’re just now seeing it.”"
"Climate Shocks Are Making Parts of America Uninsurable. It Just Got Worse."
https://www.sej.org/headlines/climate-shocks-are-making-parts-america-uninsurable-it-just-got-worse
How is climate change limiting access to insurance?
https://www.context.news/climate-risks/how-is-climate-change-limiting-access-to-insurance
Florida intensifies oversight of insurers after they cut disaster estimates
The legislation was introduced after a Washington Post investigation showed that insurance companies drastically altered Hurricane Ian claims
Florida Gov. Ron DeSantis (R) signed a law Wednesday that aims to hold property insurance companies more accountable for claims-handling practices by requiring more transparency with their processes,
increasing fines for violating laws, and giving the state’s regulatory bodies additional powers to investigate allegations of bad behavior in a market that has been teetering toward collapse for years
The Insurer Accountability Act, a rare bipartisan effort introduced by Republicans, stands in stark contrast to a recent number of pro-insurer restructurings over the past year,
including making it harder for homeowners to take legal action against their carriers. Annual premiums have also dramatically increased statewide.
State Sen. Travis Hutson (R), who sponsored the bill DeSantis signed Wednesday,
said lawmakers wanted to bring more “balance” and oversight to Florida’s insurance industry, which has traditionally wielded political power in Tallahassee.
SENATE PASSES STRONG INSURER ACCOUNTABILITY PACKAGE
https://www.flsenate.gov/Media/PressReleases/Show/4451
Citizens Cancels Lakeland Couple's Home Insurance, Despite $56K in Upgrades
For seven months, Bill and Ann Sargent were in a twilight zone — unsure if they would have homeowners’ insurance, despite completely reroofing and rewiring their 1925 home on Cleveland Heights Boulevard.
Their Orwellian odyssey began at the end of May when AAA Insurance notified them that it was canceling their policy, even though Ann Sargent never made a single claim in more than 50 years as a client.
Thousands of Florida homeowners have had their property insurance policies dropped in recent months.
Finding new coverage can be costly and stressful, taking a toll on physical and mental health.
Even with state-run Citizens Property Insurance Corporation, acceptance is not guaranteed.
Like many Florida homeowners who live in historic cottages, bungalows and even midcentury-modern structures built before 1974, the Sargents’ policy was being terminated because the home was more than 50 years old. The cancellation would be effective on Aug. 30.
AAA announced in July that it was dropping some policyholders “to manage risk and catastrophe exposure,”
but did not specify how many policies would be canceled.
That announcement came days after Farmers Insurance announced it was pulling out of Florida completely.
https://www.msn.com/en-us/money/insurance/citizens-cancels-lakeland-couples-home-insurance-despite-56000-in-roof-and-electrical-upgrades/ar-AA1mMiq5
Insurers flee Florida
In the past three years, 12 companies that offered homeowners insurance in Florida have been declared insolvent and at least 15 more have stopped writing new policies in the state.
You may lose your mortgage if your homeowners insurance is canceled. Mortgages have specific language stating that you are in default if you don't keep your insurance active.
https://smartfinancial.com/homeowners-insurance-canceled
What To Do If Your Home Insurance Company Drops You?
https://www.forbes.com/advisor/homeowners-insurance/dropped-by-home-insurance-company/
Can You Lose Your Mortgage if Home Insurance Is Canceled?
Policyholders with a mortgage and a canceled homeowners insurance policy will need to get a new policy as soon as possible.
You may lose your mortgage if your homeowners insurance is canceled.
Mortgages have specific language stating that you are in default if you don’t keep your insurance active.
Although your lender will first enforce more expensive lender-placed insurance, failure to pay could result in the eventual foreclosure of your home.
If your policy is canceled, your ability to obtain a new policy may vary.
If your policy was canceled for filing too many claims, you may have a difficult time buying a new policy.
Your insurance history is recorded in the Comprehensive Loss
Underwriting Exchange database, which will let insurers know about your insurance history
— if your policy was canceled and never renewed.
Home insurers may be reluctant to write a new policy for you based on how many claims you’ve filed or if you didn’t make timely payments.
What Types of Home Insurance Terminations Are There?
Your insurer may choose to not renew your policy or cancel it or you may have a lapse in coverage due to nonpayment.
There are various ways a home insurance policy can be terminated. Some issues can be resolved right away, while others may require switching to a different insurer.
Types of home insurance cancellations include:
A lapse
A lapsed home insurance can be remedied if you handle it quickly enough. A policy lapses when payments are not made.
A lapse in your coverage puts you at financial risk if anything were to happen to your house.
The good news is that many insurers allow a grace period in which you can reinstate your coverage if you pay your overdue bill. If you wait too long, your mortgage company may pay your insurance from an escrow account.
You may have to pay thousands of dollars out of pocket if an accident or loss occurs during a lapse in home insurance coverage.
Nonrenewal
Either you or your insurer can initiate a nonrenewal.
You may decide to do so if you found better homeowners insurance quotes from other insurance companies and have decided to switch.
If you decide to not renew your policy,
let your insurer know.
Your insurer may choose to not renew your policy for many reasons including your home’s condition,
your history of claims or they no longer offer coverage in your area.
Your insurer will notify you in writing if they decide to not renew your home insurance before renewal.
Your insurer can refuse to renew your policy for several reasons, including:
A bad credit score
Filing too many claims
Owning an aggressive breed of dog
Not living in your house
Having a pool or trampoline
Having a criminal record
Cancellations
Either you or your insurer may initiate a cancellation. Unlike a nonrenewal,
you can cancel your policy at any point but your insurer must give you notice.
If you find a cheaper policy or have sold your house, you can initiate a homeowners insurance cancellation easily.
If your policy was canceled for filing too many claims, you may have a difficult time buying a new policy.
If your insurance company conducts a home inspection and discovers structural issues,
they may ask you to fix the problems or else they will cancel the policy.
They may also cancel the policy if you haven’t paid your insurance or if you’ve engaged in illicit or fraudulent behavior.
State Farm will no longer offer home insurance to new customers in California amid growing wildfire concerns
"Historic increases in construction costs" and "rapidly growing catastrophe exposure" were among the reasons behind the policy changes, the company said.
It’s not just State Farm.
Allstate no longer sells new home insurance policies in California
Two Major Insurers Are Not Renewing Policies With California Homeowners
Every American Homeowner Needs to Watch This.
https://www.youtube.com/watch?v=AwDP35u6GgI
The 2024 Florida Statutes
Title XXIX
PUBLIC HEALTH
Chapter 403
ENVIRONMENTAL CONTROL
403.291 Purpose of weather modification law.—The purpose of this law is to promote the public safety and welfare by providing for the licensing, regulation and control of interference by artificial means with the natural precipitation of rain, snow, hail, moisture or water in any form contained in the atmosphere.
History.—s. 2, ch. 57-128.
Note.—Former s. 373.271.
1978 United States Senate Report: Weather modification: programs
https://archive.org/details/WeatherModification_201511
Weaponized WEATHER MODIFICATION Test Technology Symposium ‘97
Session B: Advanced Weapon/Instrumentation Technologies
John Hopkins University/Applied Physics Laboratory
Weather as a Force Multiplier: Owning the Weather in 2025
https://ia601605.us.archive.org/35/items/WeatherAsAForceMultiplier/WeatherAsAForceMultiplier.pdf
Geoengineering, Weather Modification, and Weaponizing Nature
https://www.youtube.com/watch?v=ZH_Skm-OkZs
Weather Modification Project Reports
https://libguides.library.noaa.gov/weather-climate/weather-modification-project-reports
Modification Techniques The ENMOD Convention is an international disarmament treaty that bans the deliberate manipulation of natural processes for military purposes. It complements other rules and principles of international humanitarian law that protect the environment in armed conflict.
https://www.icrc.org/.../assets/files/other/1976_enmod.pdf
This is the economic cost of extreme weather
https://www.weforum.org/agenda/2023/01/extreme-weather-economic-cost-wef23/
Almost Science Fiction: Hurricane Modification and Project STORMFURY
The Radio Frequency Spectrum and Weather, Water, and Climate: Uses and Challenges
"Artificial Electromagnetic system may stimulate the growth of a weather system, or, may stall the growth of a weather system." US Patent 20230050373.
https://www.freepatentsonline.com/y2023/0050373.html
The Weather Modification Reporting Act of 1972, 15 U.S.C. § 330 et seq. requires that all persons that conduct non-Federal weather modification activities within the United States or its territories report such activities to the U.S. Secretary of Commerce at least 10 days prior to and after undertaking the activities. Failure to report can result in fines of up to $10,000.
All reports submitted to NOAA are compiled and then posted on the NOAA Weather Modification Website.
Activities subject to reporting.
(a)Weather modification activities are defined as “Any activity performed with the intention of producing artificial changes in the composition, behavior, or dynamics of the atmosphere” (see 15 CFR § 908.1).
The following, when conducted as weather modification activities, shall be reported (see 15 CFR § 908.3):
Seeding or dispersing of any substance into clouds or fog, to alter drop size distribution, produce ice crystals or coagulation of droplets, alter the development of hail or lightning, or influence in any way the natural development cycle of clouds or their environment;
Using fires or heat sources to influence convective circulation or to evaporate fog;
Modifying the solar radiation exchange of the earth or clouds, through the release of gases, dusts, liquids, or aerosols into the atmosphere;
Modifying the characteristics of land or water surfaces by dusting or treating with powders, liquid sprays, dyes, or other materials;
Releasing electrically charged or radioactive particles, or ions, into the atmosphere;
Applying shock waves, sonic energy sources, or other explosive or acoustic sources to the atmosphere;
Using aircraft propeller downwash, jet wash, or other sources of artificial wind generation;
Using lasers or other sources of electromagnetic radiation; or
Other activities undertaken with the intent to modify the weather or climate, including solar radiation management activities and experiments
(b) The requirement to report does not apply to activities of a purely local nature that can reasonably be expected not to modify the weather outside of the area of operation.
This exception is presently limited to the use of lightning deflection or static discharge devices in aircraft, boats, or buildings, and to the use of small heat sources, fans, fogging devices, aircraft downwash, or sprays to prevent the occurrence of frost in tracts or fields planted with crops susceptible to frost or freeze damage.
Also, the requirement to report does not apply to religious activities or other ceremonies, rites and rituals intended to modify the weather.
(c) All activities noted in paragraph (a) must be reported at least 10 days before the commencement of such project or activity.
However, after the Administrator has received initial notification of a planned activity, he may waive some of the subsequent reporting requirements.
This decision to waive certain reporting requirements will be based on the general acceptability, from a technical or scientific viewpoint, of the apparatus and techniques to be used.
(d) Other reporting exceptions may be made in the future by rule of the Administrator.
Why does NOAA collect information about weather modification?
The Weather Modification Reporting Act of 1972, 15 U.S.C. § 330 et seq. requires that all persons who conduct weather modification activities within the United States or its territories report such activities to the U.S. Secretary of Commerce at least 10 days prior to and after undertaking the activities.
Failure to report can result in fines of up to $10,000.
All weather modification projects must be reported via the appropriate email address (weather.modification@noaa.gov) prior to being implemented.
They are compiled and then posted on the NOAA Weather Modification Website.
Activities subject to reporting.
(a)Weather modification activities are defined as “Any activity performed with the intention of producing artificial changes in the composition, behavior, or dynamics of the atmosphere” (see 15 CFR § 908.1). The following, when conducted as weather modification activities, shall be reported (see 15 CFR § 908.3):
As required by that law, NOAA submitted a Report to Congress in 1979, available via the NOAA Library.
Weather Modification Project Reports
https://library.noaa.gov/weather-climate/weather-modification-project-reports
INSTRUCTIONS FOR INITIAL REPORT ON WEATHER MODIFICATION ACTIVITIES
Eight States Are Seeding Clouds to Overcome Megadrought
But there is little evidence to show that the process is increasing precipitation
original link found on ThisisJohnWilliams
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