They?re mad as heck, and they don?t want to take it anymore.
A parade of people from North Carolina?s coastal counties ? local officials, real estate representatives and Joe and Jane Citizen ? marched to the lectern and railed against the possibility of a 30 percent jump in their homeowners insurance rates Wednesday.
They decried the rate increase sought by the insurance industry as excessive, unwarranted and unfair, given that the rates in 18 coastal counties would rise far more than in the rest of the state if the industry?s request is approved. Moreover, the last time a rate increase was approved in North Carolina, in 2008, rates along the coast rose as much as 29.8 percent ? far above the statewide average of 4.05 percent.
?We don?t understand why you keep doing this to us, and we would like for it to stop,? testified Emilie Swearingen, a member of the Kure Beach Town Council. ?Stop this discrimination against the coastal communities.?
Others raised the specter of elderly residents being forced to sell their homes or being foreclosed upon if the increase is approved.
Auditors at the state Department of Insurance, which hosted the public comment session at its downtown Raleigh offices, are studying the rate request filed this month by the N.C. Rate Bureau, which represents insurers. If the department staff and the Rate Bureau fail to agree on an appropriate homeowners rate, Insurance Commissioner Wayne Goodwin would set a rate after conducting a hearing where the two parties would present evidence. That rate could be appealed to the courts.
Lucy Vance, a Brunswick County resident, said her annual homeowners insurance premiums ? plus wind and hail protection she purchases separately from the state-created N.C. Beach Plan ? have risen from $1,844 in 2004 to $3,597 this year.
?In those seven years, I have never lost one shingle,? she said. ?Please reject the rate. Please consider lowering it.?
Many homeowners are hit with annual premium increases even in years when the state-approved rate hasn?t changed because their insurers have reduced or eliminated discounts, or because they have ?replacement cost? policies that permit increases to keep pace with construction costs. About 2 million residences are covered by homeowners policies in North Carolina.
Rates higher than inland
The industry justifies its request for a rate increase by citing more claims, higher costs per claim, higher costs for the reinsurance they buy to insulate them from catastrophic losses and, along the coast, potential losses should a severe hurricane strike.
None of the more than 30 speakers at Wednesday?s hearing ? none of whom spoke on the industry?s behalf ? were buying those arguments.
?We haven?t had a serious storm in Dare County in awhile,? said Bobby Outten, the county manager. ?We had Irene. Irene was a flood event, very little wind damage. Flood events aren?t covered by this type of insurance. We can?t understand what would justify a 30 percent rate increase.?
Outten said the increase for the owner of an average Dare County home ? a structure valued at $160,000, not including the cost of the land ? would amount to $881 a year. That would raise the annual premium of ?the average working-class person? to a little more than $3,800.
Several critics of the rate request blasted the computer models the industry uses to calculate future risks from hurricanes.
?The modeling used ... is highly suspect,? said Tom Thompson, chairman of N.C. 20, a nonprofit that promotes economic development in coastal counties. He also complained that the data that go into those models are not shared with the public.
Several coastal municipalities have passed resolutions opposing the rate increase, and those were presented. ?Homeowners in coastal communities already pay premiums at two to three times the rate charged for inland properties, in addition to having separate wind and hail policies,? notes the resolution passed by the Kure Beach Town Council.
Goodwin didn?t preside over Wednesday?s hearing in order to remain impartial on the rate request, as required by law. But Steve Candler, CEO of the Brunswick County Association of Realtors, testified Goodwin has already spoken against an increase.
Last week, Goodwin appeared at a candidates? forum hosted by his association, and, Candler said, told those in attendance, ?and I quote, ?I will not allow any increase in homeowner rates if I?m in office.???
But Goodwin, speaking through an Insurance Department spokeswoman, said he was misquoted.
What Goodwin actually said, spokeswoman Marni Schribman said in an email message, was that ?a homeowners insurance increase has never been approved on his watch.?
Schribman added that Goodwin ?covered multiple topics quickly, so he understands how his comments might have been misconstrued. However, legally, he could never make a statement such as ?there will never be any homeowners rate increases? because it would open him (and the Department of Insurance) up to legal action by the citizens, the insurance industry or both.?
For the record, since Goodwin took office in 2009, the insurance industry hasn?t sought an increase in homeowners rates ? until now.
Source: http://www.charlotteobserver.com/2012/10/17/3603811/nc-coastal-residents-protest-proposed.html
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Up to 30 years: beans, dried apples, macaroni, potato flakes and oats. 
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