The Alabama Department of Insurance approved premiums for 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! ?

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

Montgomery Russell Mobile Autauga Barbour DeKalb Houston Perry Crenshaw Geneva Tuscaloosa Limestone Pike Lee Dale Greene Monroe Covington Hale Butler Coffee Pickens Shelby Baldwin Choctaw Clay $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ Jackson Mobile Franklin Dallas Marshall Talladega Tuscaloosa Shelby Lauderdale Houston Covington Limestone Bibb Bullock Choctaw Tallapoosa Conecuh Dale Crenshaw Baldwin Sumter Escambia Pike Lee Pickens Clay Butler 2007 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ Escambia Choctaw Pickens Montgomery Clay Houston Lowndes Randolph Coffee Elmore Dallas Chambers Tuscaloosa Barbour Washington Monroe Dale Covington Conecuh Pike Baldwin Butler Mobile Autauga Crenshaw Sumter $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ Jefferson Geneva Talladega Washington Barbour Pickens Shelby Crenshaw Perry Coffee Monroe Chambers Dale Covington Houston Mobile Hale Tuscaloosa Pike Tallapoosa Choctaw Randolph Lee Escambia Butler Baldwin $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ : Mobile in bottom third; Baldwin third lowest 2007: Mobile in bottom third; Baldwin eighth lowest 2008: 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

2010 Blount Cherokee Choctaw Clarke Tuscaloosa Dale Houston Conecuh Henry Geneva Elmore Clay Escambia Barbour Russell Pike Lee Mobile Coffee Bibb Autauga Pickens Covington Crenshaw Butler Baldwin $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ Talladega Macon Morgan Chilton Lee Monroe Clarke Barbour Lowndes Dallas Autauga Bullock Russell Clay Henry Montgomery Covington Lamar Pike Escambia Cleburne Randolph Butler Mobile Baldwin Crenshaw $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ Bibb Franklin Dale Marengo Henry Conecuh Lee Lamar Montgomery Crenshaw Dallas Bullock Mobile Pike Cleburne Covington Escambia Coosa Monroe Washington Barbour Choctaw Autauga Butler Fayette Baldwin $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ : Mobile in bottom ten; Baldwin in WITH LEAST LOSSES in state 2011: Mobile third lowest; Baldwin second lowest 2012: 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 did NOT have the highest losses even in t he 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 c ost insurance companies money that year. Escambia Monroe Conecuh Clarke Baldwin Wilcox Washington Butler Covington Lowndes Choctaw Marengo Perry Mobile Crenshaw Dallas Greene Chilton Autauga Coosa Montgomery Dale Coffee $7, $6, $4, $3, $3, $3, $2, $1, $1, $1, $1, $1, $1, $ 1, $1, $1, $1, $1, $1, $1, $1, $1, $1, Geneva Sumter Pike Elmore Hale Bullock Henry Walker Houston Lawrence Colbert Macon Winston Fayette Etowah Limestone Jefferson DeKalb Marion Marshall Lamar Talladega Lauderdale $1, $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ Calhoun Franklin Barbour Cullman Morgan Jackson Blount Tuscaloosa Shelby Chambers Saint Clair Bibb Madison Tallapoosa Russell Randolph Clay Cherokee Pickens Lee Cleburne $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ Ivan

Mobile Washington Escambia Choctaw Sumter Clarke Pike Greene Baldwin Montgomery Pickens Lowndes Perry Wilcox Marengo Lawrence Hale Macon Walker Monroe Fayette Dallas $2, $2, $1, $1, $1, $1, $1, $1, $1, $1, $1, $ $ $ $ $ $ $ $ $ $ $ Tuscaloosa Conecuh Marion Chilton Barbour Elmore Winston Cullman Bibb Coffee Chambers Cherokee Lamar Butler Houston Coosa Geneva Colbert DeKalb Crenshaw Lauderdale Bullock Etowah $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ Marshall Morgan Autauga Blount Jefferson Henry Calhoun Talladega Dale Covington Tallapoosa Limestone Jackson Shelby Russell Madison Saint Clair Lee Clay Franklin Cleburne Randolph $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ All the counties in blue cost insurance companies money. Katrina -2005

Hurricane Ivan losses $312 million Katrina losses $276 million Combined coastal losses $588 million Coastal 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 do extensive damage inland

$1,384 Premium $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 -- Learn about the solutions