Coincidence? Hopefully not! : )

[Riverumbbq]

It's way more than just deductibles.

I'll give you an example. This is one that many folks didn't even realize until it was too late... at least it was for 2 property owners I know. Several years ago, insurance companies changed their policies with this named storm shit so that if a storm gets named... your docks (boat docks, piers, boat lifts, sea walls, and anything you have built in the water)... will not be covered at all in a claim. Nothing. Some folks caught on to this in time and were able to negotiate a change in their policy... but the most anyone could get covered was 10%. Meanwhile... if something happened to any of that stuff otherwise (weather included as long as the storm wasn't named), you can have full coverage (minus deductible of course). The insurance companies didn't point out this HUGE change when it was made across the board by all of them.

That's just one example. That's also the reason why many of the docks that have been damaged during the last several storms are still unrepaired to this day. The owners were blindsided by this sneaky trick.

There are many other things that changed with this too. Lots.

Now you know why they damn near go through the whole alphabet naming storms in a season now. Years ago... you'd almost never see the names get past "E" or so. Hell, they even started having to use Male names too because they were running out of options for Female names.

Somehow i'll guess the rates didn't drop all that much even as the insurance companies insured far less ?

 

[Selassie I]

Somehow i'll guess the rates didn't drop all that much even as the insurance companies insured far less ?

Or went up in price. LOL.

SERIOUSLY

 

[LesBaker]

It's way more than just deductibles.

I'll give you an example. This is one that many folks didn't even realize until it was too late... at least it was for 2 property owners I know. Several years ago, insurance companies changed their policies with this named storm shit so that if a storm gets named... your docks (boat docks, piers, boat lifts, sea walls, and anything you have built in the water)... will not be covered at all in a claim. Nothing. Some folks caught on to this in time and were able to negotiate a change in their policy... but the most anyone could get covered was 10%. Meanwhile... if something happened to any of that stuff otherwise (weather included as long as the storm wasn't named), you can have full coverage (minus deductible of course). The insurance companies didn't point out this HUGE change when it was made across the board by all of them.

That's just one example. That's also the reason why many of the docks that have been damaged during the last several storms are still unrepaired to this day. The owners were blindsided by this sneaky trick.

There are many other things that changed with this too. Lots.

Now you know why they damn near go through the whole alphabet naming storms in a season now. Years ago... you'd almost never see the names get past "E" or so. Hell, they even started having to use Male names too because they were running out of options for Female names.

I didn't know about the boats/docks/seawalls and such.

That's complete bullshit and there should be a law preventing this type of crap.

There is an old saying "you can make a thief out of an honest man" and this type of shit will encourage people to commit insurance fraud.

 

[Mackeyser]

Other than both states having long coastlines, I never thought of California and Florida as having much in common, but we are two of the most 'invaded' states in the union when it comes to transplants. 'Real' native Californians also a pretty rare species.

As a native Californian that invaded FL, I concur.

 

[Riverumbbq]

As a native Californian that invaded FL, I concur.

Culture shock ?

 

[Mackeyser]

Culture shock ?

Yeah, but a lot of it was good. I got some stories, tho...

 

[Riverumbbq]

Yeah, but a lot of it was good. I got some stories, tho...

I bet ...

Haven't been back myself since a 1965 trip with my parents as a kid.

 

[oldnotdead]

The Titans run outside zone, inside zone and gap blocking scheme, which keeps teams guessing how they will be attacked. The Rams opened the season only running an outside zone with a horizontal concept, i.e. the most simplistic scheme there is. Later they tried to run a gap scheme but it was executed poorly which is reflective of poor o-line coaching.

During Tomlinson's heyday with the Chargers they ran, man power, inside zone, trap, counter, and power gap. Until the Rams diversify their run attack blocking schemes they will always struggle. McVay's run attack is too simplistic and predictable.