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Since January of this year, state regulators have approved about 100 rate hike requests involving dozens of property insurers.The insurance regulation office in Florida gave the green light to South Fidelity to raise their rates by about 30%. And regulators okayed a 30% rate hike for Capitol Preferred.Jupiter homeowner Heidi Epstein said her property rates shot up by 50% when her insurer stopped doing business in Florida. Protecting her property will now cost Heidi an additional ,500 a year."In the middle of a pandemic when everyone is not sure what their financials are going to look like, this is not the time to have everything going sky high," she said.The insurance industry blames the 2017-2018 storm season. Hurricanes Irma and Michael caused catastrophic damage and triggered more than billion in claims.Senator Jeff Brandes (R-St. Petersburg) says the storms and rampant lawsuits against insurance carriers are driving the steep hikes in rates."They are filing more and more lawsuits they know some of these insurance companies will settle, and ultimately those costs are passed on to homeowners," he said.Insurance Industry watchdog The Federal Association for Insurance Reform points to thousands of lawsuits filed by contractors. President Paul Handerhan says roofers, plumbers and others solicit homeowners through ads, calls or door knocks and convince them to file an insurance claim. Handerhan described the pitch to homeowners as: "Let us do a free inspection of your roof, let us go inside the property of your home to see if we can find any damages. We will file a claim on your behalf."Brandes says all those claims snowball and lead to premium hikes."You have hundreds if not thousands of people asking for new roofs then all of a sudden rates across the state begin to skyrocket."Pasco County homeowner Linda Cempe got a new roof after contractor Smart Storm Solutions cold-called her about possible storm damage. She said the roofer told her that "other than a minor deductible, the whole cost for the repairs, including the facia and soffits, would be covered."The I-team checked court records and found Smart Storm Solutions filed over 300 lawsuits against insurers, including Linda Cempe's carrier in 2019 alone.Smart Storm Solutions staff attorney Robert MacKinnon says the company will only canvas neighborhoods with known storm damage. He also said the company files cases when insurance companies refuse to pay the full cost of a claim."They are confirmed claims we are arguing over the extent of damages," MacKinnon said.Smart Storm Solutions also sued Larry Kohman's insurance company over his claim after cold calling the homeowner about roof damage.We checked and found court documents showing the Kohmans' insurer settled with Smart Storm Solutions over a year ago. But the contractor never returned to replace the roof."We don't sleep much," Larry said, who explained he and his wife constantly worried about the growing amount of water damage in their home caused by a leaky roof.Smart Storm Solutions' attorney blamed the pandemic for the delay in Kohman's case and apologized, saying the company should have communicated better. After we started asking questions, Smart Storm Solutions replaced the couple's roof.MacKinnon says the lawsuits his company is filing are needed to keep insurers in check and are not part of the rate hike problem.Brandes says insurance rates could double in the next three years over claims and litigation. He says he will propose legislative reform measures that would reduce attorney fees and route some lawsuits into mediation. He's calling on legislative leaders to take action before Florida homeowners face another round of rate hikes that many simply can't afford.Before your next insurance renewal date, shop around for a policy and get multiple quotes. You can also ask to lower your coverage limits and raise your deductible, but it will cost you more if you must make a claim. This article was written by for WFTS. 4028
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Dr. Scott Turner does his best to treat patients with memory disorders such as dementia. While there are treatments that may temporarily help, there's no cure for dementia, which is why a new study is getting a lot of attention. The study found your daily dose of certain medications could be increasing your risk for developing dementia. “It's a pretty substantial risk and just brings to bear the thought these medications should not be used lightly,” Dr. Turner with Georgetown University Medical Center, says. The study--published in the Journal of the American Medical Association--found the risk of getting dementia increased nearly 50 percent for patients who took medication every day for at least three years to treat some of the most common conditions in older adults, including bladder control, Parkinson’s, depression and epilepsy. “This study's important because dementia is very common in older individuals, and these classes of medications are also commonly prescribed,” Dr. Turner expresses. “So, I think there will be a lot of discussions between patients and their doctors about the risks and benefits of these medications.” The study warns people not to stop taking any medication without speaking with their doctor. Alzheimer's is the most common type of dementia, which is the sixth leading cause of death in the United States. 1363
Boarding a flight can sometimes be a long process, and if you’re flying internationally, it can take even longer. However, thanks to new technology, you can soon say goodbye to those long wait times. It's called facial biometrics, and essentially, travelers’ faces are their boarding passes. One of the companies behind the facial recognition technology at the airport is SITA. A machine scans the traveler’s face right before you board, ensuring the right people are getting on the plane. "There is an element of enhanced confidence in your flight about who is on your flight from this activity," says Janice Kephart, former National Security Director says. That's because U.S. Customs and Border Protection, along with SITA, uses your face against terror watch lists and illegal aliens. "In the first two months, we've got 62 imposters that we could’ve missed, because human beings are pretty lousy when it comes to determining imposters," says Colleen Manaher, executive director of U.S. Customs and Borders Protection. Manaher says biometric technology is enhancing traveler safety and convenience at airports around the country. The agency hopes one day TSA will jump on board with using facial biometrics. The new technology is currently being used at airports in Miami, Orlando and Atlanta. 1316
Oklahoma Governor Kevin Stitt announced at a news conference on Wednesday that he has tested positive for COVID-19. Stitt said the illnesses started as feeling achy, but reported no other symptoms. He is working from home and will remain in quarantine until Interim Commissioner of Health Lance Frye says it is okay to return.Stitt and Frye also gave an update on COVID-19 in Oklahoma. They said data showed that Oklahoma's positive rate is less than the national average for positive cases.Data also showed that hospitals have supplies stockpiled and the hospitalization rate in the state is going down. Oklahoma coronavirus cases are rising. The highest single-day total was reported on July 15 with 1,075 cases. As of July 14, a total of 432 Oklahomans have passed from the virus. Health officials urged Oklahomans to practice safety precautions by wearing a mask in public places, washing hands and practice social distancing.KJRH first reported this story. 982
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