I am still trying to wrap my arms around the tragic turn of events that occurred in Newtown, CT on Friday. When I first learned of a shooting in Connecticut, all I heard was about one person being killed and two or three being injured. So why, I asked myself, is that such a big deal? People get shot all the time. In the early afternoon, I received a call from our best friend, asking if Pam was following the Connecticut shootings. I didn't know, because she had been napping. The phone call, however, woke Pam and she came to the end of the house I was in, and said she had not been following it. A few minutes later I was in the bedroom where the TV was on and it was then that I learned of the extent of the shootings and was shocked to learn of the number of children who had been slain.
My first thought, of course, was of deep sorrow at the loss of so many innocents. My shock and sorrow turned to anger at whoever had done this deed. I figured it was probably some deranged young man--something just about all mass murderers seem to have in common. Of course, the pro-gun advocates had some culpability, without a doubt. However, as more and more facts are uncovered, it is becoming evident that the young man who did this mass murder had some type of mental problem. Why his mother, who was apparently aware of his emotional problems, chose to have so many guns (legally purchased) in her house is a question that will never be answered.
While we here in America are shocked and stunned at such an occurrance, I can't help but remind folks that other mass murders happen quite often at the hands of us all. Not in Sandy Hook, or Aurora, or Virginia Tech, or Columbine. NO! It happens in Afghanistan, Pakistan, and quite possibly other countries because of the drone strikes operated by the Department of War in the name of freedom. While members of the Taliban and Al Qaeda are the targets, all too often they are supposedly hiding in houses in residential area of various towns and cities. If the military is lucky, they may succeed and kill one of their targets. But, beyond the targeted individuals, innocent civilians including women and children are also killed. The military simply refers to these unfortunate souls as "collateral damage" and simply washes its hands of responsibility.
In Sandy Hook, we had a young man who apparently was mentally disturbed; who snapped; committed matricide; and further took out his anger on those who meant the most to his mother--the young children she loved and wanted to help. Why was this man allowed to go about as a wolf in sheep's clothing? Why was he not referred for psychological counselling and possible treatment? Maybe he was. I don't know. I don't know if he was on or off any prescribed medications, but one thing is clear--he obviously needed help. If anything, the 26 students and adults who lost their lives at Sandy Hook Elementary School were also collateral damage--collateral damage that resulted from a mental health system that prefers to pump pills down the throats of way too many unbalanced people and leave them to fend for themselves in an increasingly cold and complex society. Something must be done to give proper treatment to these poor persons, rather than turning our eyes away from them and think its not our concern. THESE PEOPLE ARE OUR CONCERN!
May our national discourse include, not only gun control (the horse everyone seems to be riding), but also proper and adequate treatment of mental illness. It appears, to this amateur at least, that the two subjects go hand in hand. Until we address both, more of these instances will take place and more innocent lives will be lost. The problem is not bad people who do bad things, but good people who sit around and do nothing.
Sunday, December 16, 2012
Wednesday, December 5, 2012
In Support of a No-Texting While Driving Bill...
The following Letter to the Editor was published in both the Sarasota Herald Tribune and Bradenton Herald:
I applaud Nancy Detert for her action in submitting (once
again!) a no texting while driving bill in the Florida legislature. Florida is one of only seven states not to
have enacted some sort of texting while driving ban. Why is Florida so far
behind the curve?
I understand some of our legislators are opposed to
efforts to ban texting while driving because it infringes on a person’s right
to do what they wish without governmental interference. I’m sorry, but my right to feel safe while
driving on Florida roadways trumps another’s right to text and possibly injure or
kill me because they are not paying attention to their main job behind the
wheel. We ban drinking alcoholic
beverages while driving. Is a ban on
texting while driving any different?
Both carry with them the possibility of injuring or killing an innocent
person.
I really don’t like the fact that Ms. Detert has had to
water down her bill from those previously submitted by making texting while
driving a secondary offense. In other
words, a texter must first be stopped for a moving violation before he or she
can be cited for texting while driving.
But, then, half a loaf is better than none.
Let’s make sure to contact our elected senators and
representatives and let them know that we support the efforts to ban texting
while driving and that such a ban should be a primary offense.
Dave Hilsheimer
Bradenton
Wednesday, October 10, 2012
Abolish the Death Penalty
Letter to the Editor (Bradenton Herald, 10/10/2012)
Dear Editor:
I can certainly appreciate Joanne Dick and her dismay at realizing that no-kill refers to animals and not to humans. (October 7)
Beyond her comment about loving babies more than animals I, too, love babies. But I also love everyone, including those who may have been convicted of taking another's life. Florida has given itself the power to execute those it deems the most undesirable. True, such persons are not as innocent as newborn babes, but what gives us the moral right to take another's life? The Declaration of Independence states that the creator endowed us with certain absolute rights, including life, liberty, and the pursuit of happiness. The Bible quotes the Lord as saying vengeance is His. To do God's work on earth is not to murder his subjects.
Beyond it being morally wrong to execute another, regardless of their crime, there is the distinct possibility of executing the wrong person. Just last week the Innocence Project was able to free the 300th wrongly-convicted person--save them from execution. How many people have been executed who were innocent? Many more than I wish to imagine. Should we, as a society, be grouped in with countries that do execute their people--countries such as Iran, Iraq, Saudi Arabia, and China? Or should we be grouped with the more enlightened countries of the world--countries such as the United Kingdom, France, Germany, and Japan? I vote for the latter group.
May not only Manatee County but also Florida and every other state realize that life--any life--is to be valued and not be disposed of like an ugly old shoe.
Dave Hilsheimer
Dear Editor:
I can certainly appreciate Joanne Dick and her dismay at realizing that no-kill refers to animals and not to humans. (October 7)
Beyond her comment about loving babies more than animals I, too, love babies. But I also love everyone, including those who may have been convicted of taking another's life. Florida has given itself the power to execute those it deems the most undesirable. True, such persons are not as innocent as newborn babes, but what gives us the moral right to take another's life? The Declaration of Independence states that the creator endowed us with certain absolute rights, including life, liberty, and the pursuit of happiness. The Bible quotes the Lord as saying vengeance is His. To do God's work on earth is not to murder his subjects.
Beyond it being morally wrong to execute another, regardless of their crime, there is the distinct possibility of executing the wrong person. Just last week the Innocence Project was able to free the 300th wrongly-convicted person--save them from execution. How many people have been executed who were innocent? Many more than I wish to imagine. Should we, as a society, be grouped in with countries that do execute their people--countries such as Iran, Iraq, Saudi Arabia, and China? Or should we be grouped with the more enlightened countries of the world--countries such as the United Kingdom, France, Germany, and Japan? I vote for the latter group.
May not only Manatee County but also Florida and every other state realize that life--any life--is to be valued and not be disposed of like an ugly old shoe.
Dave Hilsheimer
Tuesday, July 24, 2012
Why Waste a Precious Vote?
Recently, a very good friend of mine let it be known that
he was supporting a presidential candidate whom I had never heard of and whose
name escapes me at the present. He had
made a donation to the man’s campaign.
He had suggested to me and others that this man is the ideal candidate
because of his platform—ending the war in Afghanistan; bring all U.S. troops home; universal health
care; equal pay for women; taxation of the rich, with no loopholes; equal
rights for everyone, including same sex marriages for all who desire it; and the
unqualified right of everyone to worship as they choose, be they Christian,
Jew, Muslim, or whatever—all of which I agree with and support. He was quite convincing in his appeal to me and
others in our circle to donate to and support this man in his campaign.
Many of my friends from Wisconsin have supported and
voted for Dennis Kucinich, a man whose politics and beliefs I totally agree
with—especially the establishment of a Department of Peace. However, I am also a realist and feel that,
when I cast my ballot for president, it is something I have to take very
seriously and not toss it away on a candidate who stands absolutely no chance
of being elected. I may as well not vote
at all. I want my vote to be the counted
and to make a difference.
For example, in 1844 in backwoods Indiana a dying man had
his sons take him to the polls in order that he might cast his ballot for David
Kelso, a lawyer who had successfully defended him against a murder charge. Kelso, a Democrat, won election by that one
vote. The Indiana Senate was evenly
split between Democrats and Whigs. At
that time, the various state legislatures elected the respective U.S. Senators
and the evenly split Indiana senate could not elect a Senator. Kelso bolted the caucus, taking with him a
Whig senator until, several weeks later, he returned and nominated Edward
Hannigan as senator. Kelso told his
Democrat colleagues that, unless they supported him, he would vote with the
Whigs. Hannigan was then elected to the Senate. The following year the U.S. Senate was
debating over whether to admit Texas as a state. The most prominent candidate before Hannigan
had pledged to vote against Texas statehood.
Hannigan’s vote to admit Texas was the deciding vote. Thus, it could be argued the vote of a dying
man in the wooded hills of Indiana made Texas a state.
In the election of 2000, Florida had the dubious
distinction of forcing the election into the hands of nine unelected people,
due in large part to the seeming inability of many voters not grasping the
importance of their vote. As the votes
were being counted and recounted, by the time the Supreme Court had halted the recount,
the votes that had been counted showed that George W. Bush had received 2,912,790
votes; Al Gore 2,912,253 votes—a difference of 537 votes-- and Ralph Nader
97,488 votes. If only 1 percent of those
who voted for Nader had voted for Gore, the results may have been drastically
different—and our world along with it.
There is no argument from me that our political system is
grievously flawed and that there are moneyed forces at work trying to subvert
the process and own it. It is for us,
the governed, to do what we can to keep our birthright to vote as American
citizens. The days of poll taxes are far
behind us and now everyone who is eligible to vote has that right without
regard to education, gender, race, religion, or any other qualification.
While I respect anyone who votes his or her conscience, I
would counsel them to make sure their vote will make a difference. I admire those who vote their conscience and
would not deny them that right. I do not
condemn them for it, but would remind them that for want of a nail, the shoe
was lost…
Each and every vote cast does make a difference, only as long as it is not cast as a protest
and not intended to make a difference.
Simply look back on Senator Hannigan and what one solitary man’s vote
meant.
Wednesday, July 4, 2012
Heckling 101
Heckling and trash talking has been a part of sports, I
dare say, since sports were first invented by the Greeks back in ancient times. The practice has evolved over the millenniums
into the trash talking current day athletes partake in nowadays. I am not, nor never was, the most
accomplished of athletes. I enjoy, more
than any other sport, baseball--the sport I played in both high school and
college. Nowadays, I enjoy playing in a
senior softball league of men (and the occasional woman) over 60. But, beyond that, I enjoy being a season
ticket holder and attending Bradenton Marauders baseball games, the Marauders
being the high Class A minor league team of the Pittsburgh Pirates.
The first rule of heckling
is to know and understand that baseball, especially professional baseball, is a
family game and affair. For that reason,
profanity is strictly forbidden. In
addition, attacks on a player’s personal life and family life are also out of
bounds. The only exception to this is
if a player cheats, such as using performance enhancing drugs (PEDs) or other
banned substances to make him play better.
I must credit my interest
in heckling to my friend, Craig Faanes, whom I met at a Marauders’ game in
2010, their initial season in Bradenton.
Craig is a longtime heckler and fan of baseball. We had much fun in 2010, sitting in the front
row behind home plate and giving our all to the opposing pitchers, batters, and
umpires. Unfortunately, shortly after
the start of the 2011 season Craig was heckling an opposing player who had used
PEDs the previous season and had been banned for 50 games—the usual punishment. Between innings, one of the Marauders coaches
approached Craig, telling him to take it easy on the player. This really irked Craig and me—Craig so much
that he refused to attend any more games, even though he had purchased two
season tickets. It got under my skin so
much that I called the coach out on his remarks the following day, telling him
he was being paid to coach the players; not to police the fans.
Earlier this season, I was able to get some measure of
revenge on Craig’s behalf. The player to
whom Craig had directed his comments was still in Class A ball and was in the
starting lineup for the Palm Beach Cardinals, batting second. In the first game, as the player was on deck,
the leadoff batter struck out on a called third strike. The player inquired, somewhat forcefully of
the umpire, what he was doing and the ump told him he was tossing him out of
the game. I had never before seen a
player get ejected from the game from the on deck circle. The following night, when the player came to
the plate, I heckled him asking if he had learned his lesson about keeping his
mouth shut. He proceeded to hit a
bouncer to the shortstop. In the bottom
of the third, he booted an easy grounder hit to him as he was playing third
base. He then came to bat in the top of
the fourth, so I let him have it again, this time about his error. He proceeded to strike out, at which point I
exercised my signature heckle, marching him back to the dugout with a “Left,
right, left right…sit down sucker!” He
came to bat for a third time in the fifth inning and I was on him once again,
this time about his cheating and the use of PEDs. He proceeded to fly out. After that at bat, the Cardinal’s manager
took him out of the game. Mission
Accomplished!
Later on, the Lakeland Flying Tigers were in town and I did my usual heckling on the
first night. The following night, word
got to me that there had been a complaint to the Florida State League
office about my getting on their players, so I figured I’d play their game and
sit silent for the game. Several fans
came up to me, wondering why I was so quite and I told them of what I had
learned. However, a few innings into the
game I happened to be talking with the Pirates Director of Florida Operations who told the Flying Tigers manager was the one who had lodged the
complaint about me. That’s all I needed
to hear. I then got back to my seat and
let them have it with both barrels, with most of them directed at the manager. Several times he looked over at me and mouthed
something I was unable to discern. It
was obvious I had gotten under his skin.
I even let him know I knew he had complained about me to the league
office. Fortunately, at one point he went
out to argue a call with the umpire which gave me the ideal opportunity to
march him back to the dugout after he lost his argument.
I have gained somewhat of a modest cult following in my
efforts to cheer on and support the Marauders.
If I miss a game (which is very seldom), folks will ask where I was. I have had fans come
up to me and remark I was fairly silent during the course of a game, even though I
had made my presence known during the course of the game. Heck, I recently had an older gentleman come
up to me, asking for a picture of the two of us that could be sent to him. I had a friend of mine take a photo, which I
then sent to his email account.
While a lot of my heckling is directed toward opposing
players, I consider myself an equal opportunity heckler, giving grief to the
umpiring crew as well as to the Marauders manager. Umpires, especially seemingly inept ones, can
feel the sting of my barbs at any given moment.
Beyond the traditional “You’re as blind as a bat”, I have several stock
umpire heckles, including:
·
C’mon blue, use
your good eye;
·
Hey blue, is your
glass eye fogging up?
·
Hey blue, why don’t
you go back to T-ball?
·
Your strike zone
has the consistency of diarrhea! and, my favorite:
·
We know you’re
blind; we’ve seen your wife!
At the same time, if I
feel the manager of the Marauders, Carlos Pena, is not doing his job I’ll
call him out on it. All too often this season, if a pitcher is being beaten to death, giving up walks and hits with no
relief in sight, I have no problem in yelling over to the dugout that Carlos
should go out to the mound to talk with the pitcher and give him an opportunity
to settle down or even pull the pitcher from the game. Unfortunately, too much emphasis is given to
a pitcher’s pitch count, usually 80 pitches per game for starters and 30 for
relievers. To my mind, pitch counts be
damned. If a pitcher is in trouble, what
good does it do to leave him in the game?
That is the most lethal way to destroy a man’s spirit. Give him some help if he needs it, but if he
can’t get anyone out, it has to adversely affect his psyche. Granted, most pitchers are gamers and don’t
want to give up. Who can blame
them? But to leave them just for the
sake of a pitch count makes absolutely no sense. At one time I got on Carlos so bad for not
pulling a pitcher that he looked over in my direction and told me to “Be quiet!”
But, it’s not only his
handling of pitchers that gets under my skin.
A few weeks ago the leadoff batter hit a nubber between the pitcher’s
mound and first base. The opposing
pitcher fielded the ball, but when he threw wildly down the right field foul
line, the batter kept on going and ended up on second. This presented the perfect opportunity to set
up a run—have the next batter bunt the runner to third so that he could score on a fly
ball. Elementary baseball strategy, right? Not in Carlos’ book. He lets the second batter swing away, at
which point he pops up to short. The
third batter strikes out and the fourth batter flies out, thus ending the
inning. No runs and the leadoff batter
died on second. As Carlos was jogging
back to the dugout, I was irate and yelled him why didn’t he bunt the runner
over to third with no outs. He yelled
back to me, asking me if I wanted his job, to which I replied an emphatic “YES!”
It is now the second half of the season and it
appears as though things might be turning around. Some of the former players were promoted to
the Class AA Altoona Curve while replacements came from Low A West Virginia
Power. The team seems a bit more
aggressive at the plate and on the bases and it is beginning to show. They are in first place, instead of
last. This past Sunday, July 1st,
I took advantage of my being a season ticket holder and attended a doubleheader
in Port Charlotte against the Rays’ minor league team, the Charlotte Stone
Crabs. Before the first game started, I
poked my head into the dugout and said, “Never fear; the heckler is here”,
which elicited a positive response from the team. Although they lost the first game 8-0, the
second game was quite different. In the
first inning the Marauders loaded the bases with none out. They then pulled off a successful double
steal. The runner on first base took off
toward second. The catcher threw down to
second, at which point the runner got into a rundown and the runner on third
took off toward home, sliding in head first ahead of the throw. The end result was that the Marauders had one
run in and runners on second and third with no outs.
Now, that’s aggressive baseball! They
went on to win the game. The following
evening, they were back home and, as Carlos was jogging back to the dugout at
the end of the first inning, I yelled out to him that I loved the double steal
the team had pulled off the night before and gave him two thumbs up. He acknowledged me with a smile. I guess one could say Carlos and I have a
love-hate relationship.
In the end, I love the game of baseball. Heckling is simply a part of the fabric and history
of the game. Even though I never had the
talent or ability to be a professional baseball player, I imagine I am making
up for my inability in that regard by, in a sense, taking those who have
the ability to task. Part of my philosophy
regarding heckling is that, if they can’t take it here, they surely can’t take
it when they get to the big leagues. Don’t
get me wrong. I really admire these
young men who are able to chase their dream.
I was never able to and I want every man who steps onto a baseball field
to realize their dream and make it to the major leagues. Unfortunately, most of them won’t. I have heard it estimated that only about
three percent of minor leaguers ever make it to the big leagues. I wish I could wave a magic wand and
transform each of them into a major leaguer.
But the best I can do is wish each of them well in whatever endeavor
they end up pursuing.
Wednesday, April 18, 2012
Target and My/Everyone's Right to Privacy
The other day I was in the local Target to see what I could find to buy with a birthday gift card I was given. Finding nothing I wanted to spend my gift on, I picked up a bottle of wine and went to check-out. The cashier asked to see my driver's license, so I showed it to her, even tho' I'm sixty-friggin'-eight years old. I asked her if I needed to prove I was an old fart. She chuckled and asked me to take it out of its sleeve in my wallet, which I did. She then proceeded to slide the card through her card reader, which sort of surprised me, as I have never had that done before , even at Target, which I don't frequent all that often.
The more I think about it, the more it gets under my skin. What gives Target the right to access my personal information contained on my driver's license? It's none of their damn business who I am, where I live, or what my D.L. number is. All they need to know is that I'm over 21 years of age. I went to Target's website in order to let them know of my dissatisfaction. Naturally, there is no "Contact Us" link for me to vent on, so I'm going to take the opportunity within the next few days to go back and talk with the store manager.
Stay tuned...
The more I think about it, the more it gets under my skin. What gives Target the right to access my personal information contained on my driver's license? It's none of their damn business who I am, where I live, or what my D.L. number is. All they need to know is that I'm over 21 years of age. I went to Target's website in order to let them know of my dissatisfaction. Naturally, there is no "Contact Us" link for me to vent on, so I'm going to take the opportunity within the next few days to go back and talk with the store manager.
Stay tuned...
Friday, February 10, 2012
The Unfortunate Bricklayer
As a retired casualty claims manager, I first read this account way back when... I ran across it amongst some old papers and although it is, no doubt a fantasy and an exageration, I find it still puts a smile on my face:
My friend, in filing an accident claim with the insurance company, had written in Box 8 of the form for 'Cause of Accident:' "Trying to do the job alone." Dissatisfied with this explanation, the insurance company asked for fuller details of the accident; so my friend wrote the following:
"I am a bricklayer by trade. On the date of the accident I was working alone on the roof of a new six-story building. When I had completed my work I found that I had about 500 pounds of bricks left over. Rather than carry them by hand, I decided to lower the bricks in a barrel by using a pulley which was attached to the side of the building at the sixth floor.
"Securing the rope at ground level, I went up to the roof, swung the barrel out and loaded the bricks into it Then I went back to the ground and untied the rope, holding it tightly to assure a slow descent of the 500 pounds of bricks.
"You will note in Box 11 of the accident report that I weigh 135 pounds. Because of my surprise at being jerked off the ground so suddenly, I lost my presence of mind and forgot to let go of the rope. Needless to say, I proceeded at a rather rapid rate up the side of the building. In the vicinity of the third floor I met the barrel coming down. That explains the fractured skull and broken collar bone.
"Slowed only slightly, I continued my rapid ascent, not stopping until the fingers of my right hand were two knuckles deep into the pulley. By this time I had regained my presence of mind and was able to hold tightly to the rope in spite of my pain.
"At approximately this time, however, the barrel of bricks hit the ground and the bottom fell out of the barrel. Devoid of the bricks, the barrel then weighed approximately 50 pounds.
"I refer you again to my wight in Box 11. As you might imagine, I began a rapid descent down the side of the building. In the vicinity of the third floor I again met the barrel, coming up. This accounts for the two fractured ankles and the lacerations to my legs and lower body area. This encounter with the barrel slowed me enough to lessen my injuries when I fell into the pile of bricks; so fortunately, only three vertebrae were cracked.
"I am sorry to report, however, that as I lay in pain on the bricks, unable to stand, I again lost my presence of mind and let go of the rope. The bottomless barrel, weighing more than the rope, came down on me and broke both my legs.
"As I lay under the barrel the trailing rope slapped me in the face, causing the lacerations under the left eye.
"I hope I have furnished the detailed information you requested."
The Accident Report
Published January 14, 1985
My friend, in filing an accident claim with the insurance company, had written in Box 8 of the form for 'Cause of Accident:' "Trying to do the job alone." Dissatisfied with this explanation, the insurance company asked for fuller details of the accident; so my friend wrote the following:
"I am a bricklayer by trade. On the date of the accident I was working alone on the roof of a new six-story building. When I had completed my work I found that I had about 500 pounds of bricks left over. Rather than carry them by hand, I decided to lower the bricks in a barrel by using a pulley which was attached to the side of the building at the sixth floor.
"Securing the rope at ground level, I went up to the roof, swung the barrel out and loaded the bricks into it Then I went back to the ground and untied the rope, holding it tightly to assure a slow descent of the 500 pounds of bricks.
"You will note in Box 11 of the accident report that I weigh 135 pounds. Because of my surprise at being jerked off the ground so suddenly, I lost my presence of mind and forgot to let go of the rope. Needless to say, I proceeded at a rather rapid rate up the side of the building. In the vicinity of the third floor I met the barrel coming down. That explains the fractured skull and broken collar bone.
"Slowed only slightly, I continued my rapid ascent, not stopping until the fingers of my right hand were two knuckles deep into the pulley. By this time I had regained my presence of mind and was able to hold tightly to the rope in spite of my pain.
"At approximately this time, however, the barrel of bricks hit the ground and the bottom fell out of the barrel. Devoid of the bricks, the barrel then weighed approximately 50 pounds.
"I refer you again to my wight in Box 11. As you might imagine, I began a rapid descent down the side of the building. In the vicinity of the third floor I again met the barrel, coming up. This accounts for the two fractured ankles and the lacerations to my legs and lower body area. This encounter with the barrel slowed me enough to lessen my injuries when I fell into the pile of bricks; so fortunately, only three vertebrae were cracked.
"I am sorry to report, however, that as I lay in pain on the bricks, unable to stand, I again lost my presence of mind and let go of the rope. The bottomless barrel, weighing more than the rope, came down on me and broke both my legs.
"As I lay under the barrel the trailing rope slapped me in the face, causing the lacerations under the left eye.
"I hope I have furnished the detailed information you requested."
The Accident Report
Published January 14, 1985
Thursday, January 19, 2012
Letter to the Sarasota Herald Tribune Editor
This letter was published in today's (1/19/2012) Sarasota Herald Tribune:
"Dear Editor:
"I read with interest the article in Monday's paper about people who are complaining that they are forced to pay insurance premiums on amounts that are much more than the market value of their homes. What these people fail to understand is that insurance valuation has absolutely nothing to do with the market value of their home. Insurance valuation is based on the cost to replace the home should it be destroyed, not what it would sell for in the open marketplace.
"In the example cited in the article, say the house with a market value of $33,500 is insured for $33,500. If it were destroyed by fire and the homeowner wished to rebuild, but the rebuilding costs would total $124,000 what would the homeowner do? Probably, bring a bad faith lawsuit against the insurance company, claiming the insurance carrier knew full well that the cost to rebuild the house far exceeded the amount of insurance on the house, yet chose to insure it for only the market value. Conversely, there are situations where the cost to rebuild is exceeded by the market value. Often, those owners want to insure their house to the market value and expect to receive the full value of the policy, rather than rebuilding should a total loss occur. If the cost to replace is less than the market value, the house will be rebuilt.
"People must understand that insurance values are construction cost driven and not market driven. Insurance claims are settled on the lesser of three options: the cost to repair; the cost to replace; or the actual cash value, meaning replacement cost minus depreciation. In the final analysis, it must be understood that the obligation of insurance is to place the insureds back into the place they would have been, had there been no loss."
"Dear Editor:
"I read with interest the article in Monday's paper about people who are complaining that they are forced to pay insurance premiums on amounts that are much more than the market value of their homes. What these people fail to understand is that insurance valuation has absolutely nothing to do with the market value of their home. Insurance valuation is based on the cost to replace the home should it be destroyed, not what it would sell for in the open marketplace.
"In the example cited in the article, say the house with a market value of $33,500 is insured for $33,500. If it were destroyed by fire and the homeowner wished to rebuild, but the rebuilding costs would total $124,000 what would the homeowner do? Probably, bring a bad faith lawsuit against the insurance company, claiming the insurance carrier knew full well that the cost to rebuild the house far exceeded the amount of insurance on the house, yet chose to insure it for only the market value. Conversely, there are situations where the cost to rebuild is exceeded by the market value. Often, those owners want to insure their house to the market value and expect to receive the full value of the policy, rather than rebuilding should a total loss occur. If the cost to replace is less than the market value, the house will be rebuilt.
"People must understand that insurance values are construction cost driven and not market driven. Insurance claims are settled on the lesser of three options: the cost to repair; the cost to replace; or the actual cash value, meaning replacement cost minus depreciation. In the final analysis, it must be understood that the obligation of insurance is to place the insureds back into the place they would have been, had there been no loss."
Subscribe to:
Posts (Atom)