hurricane irma any special assessments?

[Andyman33]

anyone hear any rumours of special assessments they are going to pass on to owners? clearing debris, losing business and any even minor damage I'm sure will get passed to us. plus the treehouses sound like they had some damage too. anyone hear?

 

[TLinden16]

I would think it is much to early to hear anything about an assessment. I think a lot of the DVC rooms that were cancelled were filled with cash paying evacuees (like the family of six or seven plus a dog that were in the one bedroom unit connected to the studio I was staying in at the BWV during the storm). At least at the BW, the damages didn't look too bad. I mentioned to a manager that we got water in our room from the balcony doors, and she told me that most of the Boardwalk view rooms had the same issue. I'm curious about the expense of cleaning the rooms that had dogs staying in them (particularly the one-bedroom next to my studio where the large family with a dog were also smoking pot during the storm on Sunday).

 

[_auroraborealis_]

One of the Poly bungalows had major roof damage, and Tokelau definitely had damage too.

I think insurance rates will rise, too.

 

[Cyberc1978]

Don't get me wrong but why was dogs or other animals allowed in the rooms?

I get that service animals are needed but other animals are not. If the rooms require special cleaning afterwards are the renter paying for that?

 

[DenLo]

The Florida governor asked hotels to be lenient and allow pets during the evacuation. DVC and Disney do have service dogs from time to time in the rooms. And they have a cleaning method for removing pet dander and other accidents. It will cost more in maintenance I suppose, but to me it is a small expense compared possible lost lives because someone stays in their car with their pets because no hotel would accept them during a hurricane evacuation.

 

[_auroraborealis_]

FWIW, the law is that shelters have to allow pets, but hotels still get the call. The governor asked hotels to allow the animals.

 

[Cyberc1978]

The Florida governor asked hotels to be lenient and allow pets during the evacuation. DVC and Disney do have service dogs from time to time in the rooms. And they have a cleaning method for removing pet dander and other accidents. It will cost more in maintenance I suppose, but to me it is a small expense compared possible lost lives because someone stays in their car with their pets because no hotel would accept them during a hurricane evacuation.

I don't understand why anyone would risk their own or other family members lives because of a pet. I'm not a dog person or any other animal person for that matter so maybe it's just not for me to understand.

But I would certainly complain if I as an owner got the bill because someone had to bring an animal Irma or no Irma.

 

[Cyberc1978]

FWIW, the law is that shelters have to allow pets, but hotels still get the call. The governor asked hotels to allow the animals.

From what I heard on the TV and the TV media might be wrong, but not all shelters at schools etc allowed pets only a few of the many did.

 

[Cyberc1978]

One of the Poly bungalows had major roof damage, and Tokelau definitely had damage too.

I think insurance rates will rise, too.

That's what I don't understand if you have one incident on your insurance then it will increase WHY?

In my country Denmark you can have several before it increases. Why do you get punished for one incident? I guess that each resort pay a lot to the insurance companies already. I understand that if you had a lot of incidents already your premium would raise.

 

[wdrl]

After Hurricane Katrina, Federal law was rewritten requiring that States include pets in their emergency evacuation and shelter plans. However, there is nothing in Federal law that mandates that ALL shelters have to accommodate pets. Each State may be different. Shelters that accommodate pets can require that the pets be kept in carriers or crates and that the owner furnish the food for the pets. Further, not all types of pets are treated the same, so dogs and cats may be accepted, but other more exotic pets may not be accepted.

 

[_auroraborealis_]

That's what I don't understand if you have one incident on your insurance then it will increase WHY?

There is also actuarial involvement. Hurricane activity has been on the rise, and that will be factored into premiums.

 

[disneynutz]

After insurance pays and Disney pays, owners will be billed for any increase in cost to repair or insure. That is one of the reasons why we don't own at Aulani, HH or VB.

Bill

 

[Cyberc1978]

There is also actuarial involvement. Hurricane activity has been on the rise, and that will be factored into premiums.

Wouldn't the premiums go up before hurricane season and not after you had the last incident?

 

[_auroraborealis_]

Wouldn't the premiums go up before hurricane season and not after you had the last incident?

They have been going up, as I understand it, for the coastal resorts. But now you have a hurricane making an inland run two years running, and that has not been typical previously.

The actuaries are going to look at that history, and get data on future likelihood.

 

[hakepb]

Hotels not taking pets is part of the reason you get stories of abandoned pets chained to trees and cars of families that evacuated

It's not like hotels that allow pets automatically cost $100 more per night. I'm glad Disney offered an exception. They obviously have a process for dealing with service animals in rooms.

 

[bumbershoot]

Don't get me wrong but why was dogs or other animals allowed in the rooms?

I get that service animals are needed but other animals are not. If the rooms require special cleaning afterwards are the renter paying for that?

After Hurricane Katrina, our eyes were opened to the cruelty to animals that was happening with evacuations. And things have changed.

I'm not a dog person or any other animal person for that matter so maybe it's just not for me to understand.

People love their pets. LOVE. Pets have feelings and get terrified as well. It's horrible and atrocious to leave them behind, and thankfully the law started to soften about pets in evacuations. I sometimes don't understand things either, but I try super-hard to see it from other points of view.

That's what I don't understand if you have one incident on your insurance then it will increase WHY?

Because America.

In my country Denmark you can have several before it increases. Why do you get punished for one incident? I guess that each resort pay a lot to the insurance companies already. I understand that if you had a lot of incidents already your premium would raise.

I'm going to guess that Denmark charges a lot more for insurance than we do, so they have a higher threshold for making prices higher.

 

[Boardwalkin]

I am an owner and would gladly pay a few dollars extra to assure people and pets were kept safe during a hurricane. Only a heartless soul would think otherwise.

 

[DebbieB]

Coverage for named storms carry a high deductible, which will be passed to members. Hilton Head had a $750,000 deductible last year for Matthew, which caused a dues increase.

One question I have (I work in insurance) is do they have one policy that covers all WDW properties and does the deductible only apply once or does it apply to each premises? Supposedly Fort Wilderness has $1,000,000 in damage.

 

[_auroraborealis_]

Coverage for named storms carry a high deductible, which will be passed to members. Hilton Head had a $750,000 deductible last year for Matthew, which caused a dues increase.

One question I have (I work in insurance) is do they have one policy that covers all WDW properties and does the deductible only apply once or does it apply to each premises? Supposedly Fort Wilderness has $1,000,000 in damage.

I would be surprised if it weren't by property, unless there is a separate "natural disaster" policy of some kind. So much of insurance really is premises-specific.

 

[Dean]

Coverage for named storms carry a high deductible, which will be passed to members. Hilton Head had a $750,000 deductible last year for Matthew, which caused a dues increase.

One question I have (I work in insurance) is do they have one policy that covers all WDW properties and does the deductible only apply once or does it apply to each premises? Supposedly Fort Wilderness has $1,000,000 in damage.

I can't imagine there was enough damage to make a SA a reasonable expectation but the members will pay the additional costs in one way or another. Likely out of capital reserves and a higher yearly fee.