Ibu Menusuk Jeruk Nipis Menggunakan Cengkeh Lalu Meletakkannya Di Bawah Tempat Tidur, Manfaatnya ?

If you've been paying attention to the Florida home insurance market you know that your rates are increasing by up to 10% if you are with Florida's state run insurance company. And you also know that if you are with a private company that your rates are going up 10-15%. But you might not know that discounts you presently enjoy might be reduced or eliminated if Florida home insurance companies have their way. At the present time, Florida homeowners enjoy what is known as a wind mitigation discount for various home features that make your home more resistant to hurricanes. This is a discount that home insurance companies are required to give you under Florida law and it must be calculated using a very specific formula. It includes discounts for things like the shape of your roof, whether your roof has a secondary backup system for removing water, the methods used to attach your roof to the walls of your home, and whether or not your home has hurricane shutters among others. Florida homeowners have enjoyed these discounts which can eliminate over 50% of the wind insurance premium on a home. However, homeowners sometimes are disappointed with those discounts as well. One homeowner featured in the St. Petersburg Times spent $5,225 for hurricane shutters and to reinforce the garage door on his Spring Hill, Florida home. He was disappointed when he learned that his $5,225 investment gave him a discount of only $16.11! Other Florida homeowners have saved considerably more. Started in 2002 along with improvements to the Florida building code, these wind mitigation discounts were an important step in the process to deliver lower Florida home insurance rates to those with homes less likely to sustain serious damage in a Florida hurricane. Those discounts were doubled by the state of Florida in 2006 in order to provide some rate relief after the 2004/2005 hurricane season. Now as we head into the 2010 Florida Legislative Session, insurance companies are asking lawmakers to consider rolling back some of those discounts. In some areas the companies might have a point. For starters, there does seem to be a certain amount of fraud associated with those discounts. This fraud can come from both the homeowner misrepresenting improvements made and it can also be due to errors in the home inspection report. In any event it could lead to homes being granted discounts they aren't entitled to. Companies also point out that the doubling of these discounts in 2006 was more of a political reaction to high rates than a scientific process to properly price the discount based on the real way a home would perform during a hurricane. Some companies are ordering and paying for new mitigation inspections to get a more accurate picture of the home hardening mitigation steps that have been performed on your home. If a re-inspection is ordered on your home and discrepancies are found, some of your discounts could be denied and you could be required to pay a significant increase in your Florida home insurance premiums. From your perspective as a homeowner, rolling back these discounts would add significantly to the cost of your Florida homeowners insurance. And this would happen during one of the worst recessions during our lifetimes. For some Florida homeowners having these mitigation discounts modified or eliminated could result in thousands of dollars in additional premium costs. This is an important development in the Florida home insurance market that all consumers should be following. Even modest changes to the mitigation credit formula could result in Florida home insurance premium increases that will make the rate increases already approved look like pocket change!