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Catastrophic sinkhole damage would still be covered

Catastrophes will still be covered

We would like to thank the Times and staff writer Jodie Tillman for acknowledging the new legislation, sponsored by Sen. Mike Fasano and myself, which is aimed at reducing homeowners insurance premiums. We are proud of this bipartisan effort with Pasco Commissioner Michael Cox to require regulators and insurers to consider reducing rates in counties that have tougher building codes and a way to track sinkhole claims.

However, we would like to offer clarification on one point in the article concerning sinkhole (catastrophic ground coverage collapse) coverage. Two years ago, the Legislature allowed Citizens to issue policies to all residents of Pasco and Hernando counties that contained only "catastrophic ground coverage collapse" coverage, and allowed customers the option to purchase an endorsement adding sinkhole coverage. This law gave Citizens policyholders substantial discounts, but protected them against a home becoming uninhabitable due to massive ground failure.

Our new legislation allows private insurers to do the same thing in these two counties, thereby giving policyholders the same opportunity to obtain significant discounts on their private insurer homeowners policies. Therefore, even if residents opt out of purchasing an endorsement adding sinkhole coverage (often aimed at dealing with more cosmetic rather than structural damage) in hopes of lowering their premiums, they will still be protected against a catastrophic ground cover collapse that would make their home uninhabitable.

It is our hope that this legislation will provide much needed economic relief to our residents in the form of reduced rates while still providing them the peace of mind that they will be protected in the event of a sinkhole — massive ground failure occurrence. If you have further questions, please feel free to contact my office any time.

Rep. John Legg, District 46

Port Richey

Taxes paid for your education

This is for the man who complained about paying taxes to schools when he doesn't have kids in school. I have one question for you: Who do you think paid for your education? Your parents didn't pay for all of it by themselves.

I'm quite sure there were a few people who didn't have kids in school that helped you out with your education. If you want to complain about something, why don't you complain about our fine legislators in Washington and Tallahassee? They keep giving all of these tax breaks to the rich and big business and then are short on funding for the budget so they cut programs for the middle class and less fortunate in the pretense of less government.

By the way, I don't have kids in school either.

Donald Johnston, Port Richey

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Catastrophic sinkhole damage would still be covered 06/08/09 [Last modified: Monday, June 8, 2009 5:10pm]
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