Today New Jersey Gov. Chris Christie signed an Executive Order prohibiting insurance companies from imposing hurricane deductibles on victims of Hurricane Sandy. In the course of doing so, he explains that Hurricane Sandy “did not meet the regulatory threshold to trigger the application of hurricane deductibles by insurance companies in New Jersey.” In other words, Hurricane Sandy wasn’t really a hurricane.

From the Office of the Governor:

Trenton, NJ – Taking action to save homeowners money following Hurricane Sandy, Governor Chris Christie signed Executive Order 107, prohibiting insurance companies from imposing costly hurricane deductibles on New Jersey homeowners. An important part of the recovery of New Jersey will be the influx of funds that occurs when insurers settle claims by New Jersey homeowners. This action will increase the total size of the payments made by the insurance industry, helping residents rebuild their homes and speed New Jersey’s path to recovery.

“We need to ensure that homeowners are not forced to pay higher out of pocket costs than required as they begin the rebuilding and repair process,” said Governor Christie. “While Hurricane Sandy was a devastating storm, it did not meet the regulatory threshold to trigger the application of hurricane deductibles by insurance companies in New Jersey. This executive order makes it clear that consumers do not have to pay these unusually large and often unexpected amounts.”

A hurricane deductible typically can be in the amount of two to five percent of a property’s insured value. Thus a $500,000 house with a four percent hurricane deductible would result in a homeowner being responsible for a $20,000 deductible, rather than a more standard deductible in the $500-2,000 range. The deductible is the amount the policyholder must pay before the insurer would start covering the loss. Insurers are permitted to charge hurricane deductibles in certain circumstances. However, as the National Weather Service classified Hurricane Sandy as a post-tropical storm prior to landfall in New Jersey, the storm did not meet the first regulatory threshold required to apply a hurricane deductible.

[Emphasis added.]

So if a homeowner’s insurance policy requires a hurricane deductible of, say, $20,000, the insurer will be allowed to impose a deductible of no more than $500 – $2,000. Because —  hint, hint, nudge, nudge — Hurricane Sandy was a storm, not a hurricane.

In essence, Gov. Christie is doing exactly what this Twitter user urged him to do several days ago:

https://twitter.com/marygiatos/status/263729450196287489

This may be good politics, but as a matter of public policy it’s highly questionable.

If Hurricane Sandy doesn’t “meet the regulatory threshold to trigger the application of hurricane deductibles,” as Christie asserts, then why is this Executive Order needed? No insurance company in its right mind would attempt to charge policyholders hurricane deductibles if doing so would violate New Jersey law.

This looks to us like a clear-cut effort to redistribute wealth ex post facto from insurers to policyholders.  Twitter user @RayZorback correctly points out the likely adverse effects on the market for hurricane insurance:

Higher premiums. Fewer insurance companies offering coverage for hurricanes and other catastrophic natural disasters. These are some of the effects that New Jersey homeowners can expect to see as a result of Gov. Christie’s ill-considered Executive Order.

  • Dan Cooper

    And the Law of Unexpected Consequences strikes again…

  • Jim Smith

    Sorry, but I see it a little differently. Christie seems to be making sure that the insurance companies understand that the storm, as designated by NWS, was not above their thresholds for triggering the hurricane rider clauses, and that that is how the state of NJ will view it if they try it and wind up in court.

    • Guest

      It’s a tough

    • Guest

      People

      • KaK2012

        Its a simple fact, it became post-tropical storm before it hit new jersey…what’s wrong with you? Insurance companies would have played people silly to get it they way they wanted it. It became a storm, or did all media and the NWS also become liberal BEFORE the storm hit New Jersey!

        • http://twitter.com/AUBraves AUBraves

          No…

        • http://twitter.com/AUBraves AUBraves

          Also remember

  • http://twitter.com/N9ZF Marc Denis

    Can’t believe insurance companies will meekly bow down. If the NWS had this as a hurricane, the Governor has no authority to declare it otherwise. This will actually DELAY payments as cases must now move through the courts. I’d rather refi on the 20K deductible than having NO PMTS AT ALL until the cases get through the courts. Congrats!

    • rennyangel2

      No, doesn’t have to go to court. My ins. co. and I already agreed my hurricane restrictions do not apply.

    • SideTraKd

      Except that NWS did NOT have this classified as a hurricane by the time of landfall in NJ. Didn’t you read the whole piece?

  • rgs

    Is Christie , Obama. He can’t do that. It was called a Huricane. People signed there agreement. Be responsible. Unbelievable.Im glad he didn’t run for pres.He wants free stuff too. He may look good to NJ, but great Americans know he’s a pig. If he cared about what was rigjt and had guts, he wouldnot have let the unions run alabama non union lineman out of town. Jerk!

    • Donna Jackson

      He’s saying that didn’t happen now…And comments are being made that they just didn’t want to work. That makes me mad. I live in Florida. The guys that go to these things don’t have to. Why would they drive up there, if they didn’t want to work? He is a pig.

    • rennyangel2

      No, and you do not understand the ins. ramifications that could be the difference between a deductible of $50,000 on a $500,000 house or the reg. elected $500 chosen for normal damages. Not being a hurricane, which Sandy was not in NJ on Monday night, but a gale, can save homeowners many 1000s.

      • Guest

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        • rennyangel2

          Maybe you would prefer a $40,000 deductible instead of a $500?

          • http://twitter.com/AUBraves AUBraves

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          • rennyangel2

            The homeowner’s policy typically has a separate section for hurricanes. My ordinary deduction is $1000, because that covers ordinary damages. Christie is trying to help people with massive repairs by allowing them to have their lower deductibles. If Sandy is a hurricane, my ins. then would assess the deductible as 10 of the total allowable for the repairs. If I had $150,000 in damages, thenmy deductible instead of being $1000 would be $15,000, a huge diff.

          • http://twitter.com/AUBraves AUBraves

            So,

          • rennyangel2

            No, the pictures show destruction, but that of a northeaster which was not a hurricane, which has to be 75 mph sustained winds. Sandy had been a hurricane and then a tropical storm, a gale, a hurricane, a cyclone, and etc. as it  moved up the coast, as the storm went in and out of several phases and definitions depending where it was and what it hit. When the storm landed here, it had 30-40 mph SUSTAINED winds with high gusting, but it also hit at a special high fall tide, and with another storm in the Atlantic grafted on to it. Sandy would have drifted out into the center of the Atlantic and continued to move north except merged with another high pressure system off the E. coast and was turned and driven back onshore. You can look up the National Weather Service reportage.

          • http://twitter.com/AUBraves AUBraves

            I’m

          • rennyangel2

            The ins. co’s have already agreed to the circumstances, so the argument is moot. I lived through Diana, Diane, Carol, Donna, and Edna between 1950 and 1960 when hurricanes hit the E. Coast regularly and in those the ocean and bays met, but no new inlet was cut and the piers stood. The worst storm I ever witnessed before was the northeaster of 63 which Sandy really was when she hit NJ, a northeaster. Seaside looked like Berlin in WW II in 63.

          • http://twitter.com/lady_smarts lady_smarts

            Christie isn’t trying to help anyone. The NJ Department of Insurance ruled earlier in the week that Sandy didn’t meet the threshold of a hurricane. The weather people and the other states in the area agree. The Executive Order is a formality to notify – in a legal sense – that it wasn’t a hurricane. It prevents companies from stiffing homeowners and making them sue for relief, but that’s not the same as voiding a contract – as so many here have implied.

          • mtj3134

            So if Christie helps to prevent companies from stiffing homeowners, then he is not helping /

          • http://twitter.com/AUBraves AUBraves

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        • rennyangel2

          Maybe you would prefer a $40,000 deductible instead of a $500?

    • SideTraKd

      It was called a hurricane by whom? By landfall it was decreased by the NWS to a Tropical Storm. Just having people call it a hurricane does not make it so.

      • Guest

        So the damage

        • http://twitter.com/lady_smarts lady_smarts

          Damage is measured based on what it was when it hit an insured property.

          • http://twitter.com/AUBraves AUBraves

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          • http://twitter.com/AUBraves AUBraves

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    • http://twitter.com/lady_smarts lady_smarts

      Read the law before you decide to comment. It was not a hurricane when it moved onshore. The contracts typically call for sustained 74+ miles per hour for wind – a threshold that was NOT met. This article on Twitchy is completely misleading – they’ve been notified about that – but as has been Twitchy’s behavior of late, they’ve made no adjustments. New York, New Jersey, Delaware and Pennsylvania have all ruled that the hurricane deductibles do not apply. It’s been called Superstorm Sandy because it wasn’t a hurricane.

    • mtj3134

      Stick to the matter in hand It either was or was not a tropical storm… Leave your mudslinging till later please. People are in misery and need all the help they can get. Politics can wait

      • Guest

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  • Miguel Gonzalez

    The unintended consequences of this move is gonna hurt NJ more than they imagine. If forced, insurance companies will comply….. and then deny any new coverage for any house or building that could be a target again. And if they deem it, they will simply shut down and leave the state forcing NJ to create its own government-run insurance company. In the meantime, no housing market because the new home owners cannot get insurance to cover buying a property.

    • http://twitter.com/lady_smarts lady_smarts

      There will be no unintended consequences. The contract language is clear, and Sandy didn’t match the threshold. Other consequences – caused by the storm – include insurance premiums going up. That’s how insurance works.

      • Guest

        So any

    • mtj3134

      Whether your future prediction is correct or not, two wrongs dont make a right We should be thinking about those in misery, now, not looking into crystal balls

  • Kiliman

    Sorry, but this is pandering. I guess his Obama lovefest wasn’t enough. I know he’s up for re-election next year, but come on.

    So instead of allowing insurance companies to recoup some of their losses from one of the biggest storms to hit the area, now these companies will decide not to cover them at all in the future. How can they, when they won’t be able to reliably gauge risk? And that’s what insurance boils down to… determining the cost of risk.

    Christie may be a pit bull when it comes to teacher’s unions, but free market principles… not so much.

    • Donna Jackson

      Remember, this is the guy that is Obama’s friend, who doesn’t think that insurance companies should be calculating risk for women. Keep changing the rules when it’s convenient. I think my 16 year old son is being treated unfairly on his auto insurance. Shouldn’t we all pay the same rates for that, too? :)

      • http://twitter.com/lady_smarts lady_smarts

        Obama’s friend or not – Twitchy owes you an apology for suggesting that Christie had done something meriting criticism. Twitchy has a history of pulling the trigger on such stories without doing their homework, and they don’t seem to pull stories once their mistake has been made clear to them. I used to respect the energy and information Michelle brought to the political party, but of late she’s starting to resemble Soledad and Ed Schultz in that facts need not be checked if the underlying story is otherwise entertaining.

        • Sketti

          ” I used to respect the energy and information Michelle brought to the political party” – Really, please provide some links to support this assertion. TBH, I think you’re a big fat liar! If you can prove me wrong, I’ll have no problem apologizing to you.

    • rennyangel2

      No== the deal is in some ins.’s if a hurricane clause is in effect, the deductible can be 10% of a house’ worth or $30,000 (and much higher) but if not a hurricane, the standard elected deductible of $500 or $1000 appplies. Big difference.

    • http://www.rayellen.com RayZorback

      Just wanted to make sure my comment below is actually read since I’m apparently “featured” in this post. So, my apologies for the “double post” but my response to myself wasn’t compelling enough to be noted. Thanks!

      @EarlsAccount pointed me to an article that answered my question. Here is a key paragraph:
      “But in order for a hurricane deductible to apply, New Jersey law requires the storm to be a named hurricane with sustained winds of 74 miles per hour as measured by the National Weather Service. Homeowners lucked out because the weather service downgraded Hurricane Sandy to a post-tropical storm about an hour before it struck Atlantic City.
      Standard homeowner deductibles, which generally range $500 to $2,000, will apply instead.” – http://www.nj.com/business/ind

      So, as it turns out, the entire order is completely unnecessary because the law/rule is already in place. Maybe instead of an executive order, they should have titled it “Press Release”. And here is another thought for the Gov: in an executive order to claim that storm damage was “tropical storm” related, don’t reference the storm as a Hurricane. ProTip.

      PS: thanks for the new follows. I look forward to more discussion. And I know I had typos and grammatical errors. It’s twitter. :)

      • gs

        You are completely correct. Sandy was reclassified shortly before striking land. Money quote from the National Hurricane Center’s warning just before landfall (http://www.nhc.noaa.gov/archive/2012/al18/al182012.update.10292255.shtml?):

        “…SANDY BECOMES POST-TROPICAL…
        …CENTER EXPECTED TO MAKE LANDFALL WITHIN THE NEXT HOUR OR SO…”

        Christie’s action outraged me…until I checked the NHC archive. IMHO the practical effect of the executive order is to warn the insurance companies not to cross the governor by legalistic stalling.

      • http://twitter.com/lady_smarts lady_smarts

        New Jersey law requires the Governor to make the declaration as recognition of the earlier finding by the NJ Department of Insurance. It’s a formality, but an important one in the event the matter is litigated.

  • Steve_J

    Did “Sandy” make landfall offically as a hurricane or a tropical storm? I haven’t found a good answer and was wondering if anybody knew.

    • http://twitter.com/thetugboatphil TugboatPhil

      Steve, That IS the question, and I guess it will vary from one area to another. Pliticians seem to forget that the legal definition of a word has far reaching consequences.

    • KaK2012

      It was officially turned into a tropical storm just before it made landfall.

      • Steve_J

        Thank you.

        • Guest

          The waves

  • Scott

    What the idiot just did was make sure the insurance companies take his silly union butt kissing obamas bff ass and probably every claimant to COURT now there is no telling when if anybody gets paid.
    Smooth move exlax
    maybe since he is Obama’s official BIACHE now he get the government to cut another check

    • http://twitter.com/lady_smarts lady_smarts

      Scott – you thoughtful and literate response overlooks the law. Christie is correct. Your attacks on candidates will likely carry more weight if you actually research your point instead of react to – in this case – a very misleading Twitchy story. Twitchy screwed you on this one, not Christie.

      • Scott

        Actually no research is needed as the insurance companies can slow, decline and fight any claim they want to or that they feel is necessary. You and I may not agree with them for doing it bit that doesn’t mean they won’t. And just because screamin chris makes a law doesn’t mean that they still cant/ wont fight it, see that is also the beauty of our system, it is in place to stop abuses from either stand point and even though it doesn’t work all the time in civil(like this) or criminal cases, it is still the best system in the world anywhere. I hope they actually pay and pay big and pay quick but I dont think they will. Furthermore, your boy bringing it to light could back fire because all the insurance companies need do now to take it to court is say the outlying storm bands hit the coast while it was a hurricane so they fore we need a ruling on when it should be considered the damage was done or when the eye hit etc… so if a backwoods Tenn hillbilly thats misplaced in
        ga can figure that out, a halfass insurance lawyer certainly will. So Chris shouldn’t have created a problem where ther

      • Scott

        Actually no research is needed as the insurance companies can slow, decline and fight any claim they want to or that they feel is necessary. You and I may not agree with them for doing it bit that doesn’t mean they won’t. And just because screamin chris makes a law doesn’t mean that they still cant/ wont fight it, see that is also the beauty of our system, it is in place to stop abuses from either stand point and even though it doesn’t work all the time in civil(like this) or criminal cases, it is still the best system in the world anywhere. I hope they actually pay and pay big and pay quick but I dont think they will. Furthermore, your boy bringing it to light could back fire because all the insurance companies need do now to take it to court is say the outlying storm bands hit the coast while it was a hurricane so they fore we need a ruling on when it should be considered the damage was done or when the eye hit etc… so if a backwoods Tenn hillbilly thats misplaced in
        ga can figure that out, a halfass insurance lawyer certainly will. So Chris shouldn’t have created a problem where ther

  • http://twitter.com/AmericanVet3 Doug C DAV

    I have no problem with this, its peoples home, insurance should be there to help not hinder people’s recovery. I been through too many hurricanes to know what insurance will and will not pay and when they don’t want to pay up it becomes a huge problem for homeowners.

  • Polly Purebred

    What about flood insurance? If the damage was from the ‘surge’ and not wind/rain – the insurance companies won’t cover it you need to have a ‘national’ flood insurance premium issued by the gov’t (or at least in CA you do).

  • http://twitter.com/exg001 Edward Garbowski Jr

    Christie didn’t need to say anything, he is only politically grandstanding.

    According to the timeline:
    8 p.m.: Sandy’s center comes ashore near Atlantic City, New Jersey. The storm is no longer considered a hurricane but is now classified as a post-tropical nor’easter.

    • Jesse Malkin

      if it was designated a storm as you suggest, then you are right: there was no need whatsoever for this Executive Order.

  • cfcscott1905

    Way to go, Christie. When the going gets tough, please turn into a liberal. Obama must have done a great job on that helicopter selling you on how to screw investors outta their money, a-la the auto bailouts. You freakin’ tool. I hope the people of New Jersey think of you when they start paying those higher premiums…

    • KaK2012

      Its a simple fact, it became post-tropical storm before it hit new jersey…what’s wrong with you? Insurance companies would have played people silly to get it they way they wanted it. It became a storm, or did all media and the NWS also become liberal BEFORE the storm hit New Jersey!

      • cfcscott1905

        “Played people silly….”?!? By doing what exactly, activating the hurricane clause their clients wanted? Well, you go ahead and say “work-place-violence” instead of terrorism or “man-made-disaster” instead of suicide/homicide bomber, the victims are still dead and this was still a hurricane. No executive order will change the way people feel about it. Of course, when the insurers who do business in NJ get the opportunity to raise the premiums, trust me they will.

    • http://profile.yahoo.com/Q56S4JDTBGVBW33JEF7FQRT66A Mary

      I could not agree more, When I lived in north carolina in 1998-99 when hurricane bonnie hit we did not have what was worded as a hurricane deductable, it was worded as a wind and hail deductable which was $4500.00. So if they still classify it that way now I think they would still have to pay the increased deductable. I know people are hurting, but the rule of law must remain or we will have anarchy.

    • http://twitter.com/lady_smarts lady_smarts

      Please read the facts of the issue instead of reacting to the misleading spin that Twitchy and other outlets have attached to it. Sandy – when she hit shore – had already been downgraded – hence was not a hurricane in New Jersey. Higher premiums are coming – someone has to pay for the damage – but not because of what Christie did. New York, Delaware, Pennsylvania made similar decisions – again based on the ratings of the weather people.

  • http://siftingreality.com/ siftingreality.com

    It’s one of those double-edged swords. On the one hand it prevents mass homelessness and mass abandonment of homes, and mass mortgage defaults.

    On the other hand, the government has no business interfering in private business matters.

    So in matters like this, how does one go about determining the greater good?

  • tessaprn

    Write that Exe Order but remember this – Insurance companies may have to bow to this round dictator but they can decide they will no longer be insuring anyone that collects from them. Glad this fool is governoring NJ and not my state. BTW insurance companies can keep these claims unpaid for some time. I just do not believe people want to wait that long before returning back to their lives.

  • Joe W.

    Who the hell does Chris Christie think he is?? Barack Obama?? Won’t matter, anyway…Most damage was caused by flooding, and if they did not have flood insurance, they are S.O.L…..And I doubt the insurance companies will be very flexible on this point now that the Gov. has played Obama on them.

    • http://twitter.com/lady_smarts lady_smarts

      The Governor did nothing of the kind. Sandy was not a hurricane when it came on shore – hence there is no hurricane deductible. The sustained wind speeds have to be 74+ miles per hour for either to be declared, and that is not what happened on Monday night. You may not like Christie – I have issues with him as well – but some homework on your part was in order. Twitchy has gotten very sloppy of late on such stories – and doesn’t correct them even when their mistakes are pointed out. Michelle has gone Chris Matthews on us – playing to noise instead of being the journalist she pretends to be.

      • Joe W.

        Do you understand the concept of sarcasm, madam?? Apparently not. I have no issue with Gov. Christie and I think that Michelle Malkin is a great American Patriot and a credit to your gender. Too bad you apparently do not agree. And finally, I’ll thank you to not be so condescending as to admonish me to do my “homework”. I am 63 years old and out of school, young lady.

      • Guest

        OK…

      • Guest

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    • mtj3134

      Jioe W… What is wrong with you ? If only one person is not hit with the hurricane deductible. then what the Governor did is a good thing. Leave the politics out of this misery

      • Joe W.

        Nothing wrong with me, Shitforbrains. Read my comment to “Ladysmarts” and calm down.

        • mtj3134

          Sir, lots wrong with you I think… Clearly stands out that you did not finsih any of the lessons in charm school…..

          • Joe W.

            At least I can spell, eh Sparky??

  • justlisa

    As a conservative and someone who worked in the insurance industry for many years…

    Christie is right. He is doing his job, people. He is right.

    • afvet4america

      Well if we now call it a storm and it really was downgraded then why did the Gov need an Exe order?

      • justlisa

        It’s really quite simple…

        He’s sending a message… Don’ttry to d*ck people around…let’s get this recovery going.

        Listen..I can’t stand Obama… But, all of you need to stop this nonsense. It’s the liberals who eat their own. Wth are you people doing…concocting some “brOmance”.

        You’re all acting like the foul-mouthed liberals.

        Everybody needs to take a deep breath…and, again, stop this crap.

        Btw, I lived through “Andrew”…my house? Not so lucky. Christie is doing his job…and he’s doing it right.

        • afvet4america

          Hey don’t paint me in that kind of picture with your very broad brush. I don’t feel Christie has done anything wrong in enlisting the help Obama should give through FEMA. I still say if it was downgraded by the time it made land fall then there’s no need for and Exe. Order.

          • justlisa

            Perhaps if you’d been through a catastrophic event, you would understand that what you propose is far too simplistic. It would not be that simple. While some insurance companies would have operated in good faith, not all would. He nipped that in the bud.

            I dare say…if any of you were facing what these homeowners are, you would be very happy that he’s, at least, removed one obstacle to rebuilding your life. And, he is correct…it was downgraded.

            My apologies if you aren’t deserving of my broad brush stroke. I’m just a bit shocked and more than a little sickened by many of the comments in here.

            I want to see things get better. I do not want to be aligned with snark…pettiness.
            Other than ideology, it is the irrational…rabid…behavior of the left which I find abhorrent. It’s unproductive and base.

          • Guest

            OK,,, you lived through a disaster. So have I… more than one. I don’t claim to know everything because of that. That’s like saying that because I was in the military I understand O’s inadequacy as CIC. And you have NO clue. That would be improper of me and it’s improper of you.
            Christie just delayed payments and now he really has started major court battles that may mean payments do not come for a very long time.

          • justlisa

            It’s improper of me to state my opinion??? Again…I feel like I’m in a room full of rabid leftists. For the record…you are nobody…and your right to tell me what I can offer in opinion does not exist.

            I’m just trying to offer some thought…reason…rationaleinto the discussion. This Christie feeding frenzy is disgusting. It’s beneath what conservatives are supposed to stand for. It’s like middle school in here…

            Btw, I am an educated, informed individual with 22 years in the insurance industry (specifically, claims and fraud investigations) and someone who has lived, in the real world, through several storms/hurricanes and gone through the recovery process. So…I’d say my perspective is relevant to the discussion.

          • http://twitter.com/AUBraves AUBraves

            Your opinion is welcome but you justify it with

            “Perhaps if you’d been through a catastrophic event, you would understand……”

            “I dare say…if any of you were facing what these homeowners are, you would…..”

            If you care to share your opinion with that as your basis, I feel free to use the same tactics.

            Your history in the insurance business does not mean you have any more experience than the rest of us when it comes to a governor using executive privilege to accomplish a political stance.

            We saw pictures of devastation from winds and rain while Sandy was a Hurricane. For a governor to declare, by law, that it should not be considered damage until the downgrade, bothers me.

          • justlisa

            I have “justified” my opinion sufficiently.

            Unless you or anyone else here is a supreme court justice…well, my opinion isjust as valid.

            This is just trumped up…forced…feigned. No better than the “war on women” and “killing big bird”.

            You can keep coming back at me…it doesn’t make you “right”.

            I wish everybody would keep their heads. This crazed villager mentality is no better than the left? Or is that it? Am I in a room full of fringe reactionaries?

            It’s no wonder the left has gained such a foothold…too many of us playing small ball.

          • http://twitter.com/AUBraves AUBraves

            You seem to be the one losing their head. I honestly don’t care who decided what as to their insurance… or even whether they have insurance. I hope they do but that would be their choice. Not mine.
            What I am concerned with is executive law and privileges being used irresponsibly. You seem very liberal so it would fit into your beliefs. But one thing that will not happen is that we will ignore this. It is a serious issue when government takes such steps. We have watched Obama use executive privilege to constantly cover up his failures… we don’t need this tendency to spread to governors so that they use executive privilege for political purposes.
            Small ball rules our lives. Why criticize it? If a discretion is small enough we should let it go? I really do think you are a liberal.

          • justlisa

            I’m a liberal? What a hoot…

            Do you realize that the constitution conveyed the powers to the states? So that, presumably, “we” could run our own lives.

            You are barking up the wrong tree.

            I’m a liberal? No…I just happen to be using my lady smarts.

          • http://twitter.com/AUBraves AUBraves

            We should be able to run our own lives… but people like Christie get in the way. Before this is over he will pass an executive order that all homes in New Jersey will have X, Y and Z insurance… it will be called ChristieCare. You will be “penalized” if you don’t meet his requirements.

          • justlisa

            When confronted with irrational folks on the left or right…I just shake my head and wonder what could have damaged them so…

            The problem is…when they’re on the right, they hurt all conservatives…all those hoping things will get better.

            This post and most of the comments are discouraging.

          • http://twitter.com/AUBraves AUBraves

            Just so you know, I was not put on this earth to make you happy nor meet your expectations. I’m fine with anyone’s thoughts of discouragement. If someone has a valid case that changes my opinion, good for them. Until that time, I’m hanging on to my posts and comments.

          • justlisa

            I’m going to say this as simply as I can…

            You shouldn’t care about me…I’m the choir…

            What you and others who are participating in this nonsense fail to realize is that if you indeed want to see things change, you need to affect the hearts and minds of others…people who don’t give a damn about pissed off partisan pettiness. Those people just want to live their lives…live good lives. This crap means nothing to them. They can see it for what it is…a bunch of people pissed off at Christie because he praised Obama.

            .
            The truth is Christie is right. And, he is being a warrior for the people of his state. He doesn’t give a damn about “politics”…he just wants to help his people. And, he’s putting it out there…from the beginning…that he will not tolerate any shenanigans. It’s admirable. We should all be so fortunate to have a governor like him.

            Again, this nonsense is unproductive and damaging.

            Why do you think that things have been moving in Romney’s direction? Because President Hope & Change has let his mask slip…he’s been nasty and petty (etc) and Romney has been presidential. People see that.

            We should always stand on principle and values. This junk will do none of us and especially our childrenany good.

            Now…I’m done. Everything’s been said. But, y’all better smarten the hell up. It’s our children’s future at stake. If Nov 6th gives us a Romney win…that just puts a bandaid on it. We have to see the big picture.

          • http://twitter.com/AUBraves AUBraves

            Say it simply or don’t even say it. It matters not to me. If we turn into liberals and let everything slide, we are as bad as they are. This does matter.
            Now I’m done… vote as you think is right.

    • Guest

      Executive orders to disallow our courts the opportunity to rule is the American Way? Since when? Plus, damage was done prior to the Hurricane being downgraded. Somehow, Christie seems to think all damage was done after Sandy made landfall and was down-graded. That is simply not the truth.

      By the way, your past history of working in the insurance industry has no relevance to the issuing of executive orders nor determining what a governors responsibilities are.

  • bjd76

    Don’t know how the NJ ins contract reads, but in South Carolina it’s called a “Named Storm” deductible, not a Hurricane Deductible.

    • http://twitter.com/TheAngieNC2 Angie (D)

      All along the Gulf Coast it’s the same thing “Named Storm” deductible, not Hurricane deductible. Not to make light of the situation, but man is it evident these people haven’t dealt with tropical weather much.

  • http://profiles.google.com/trixlette Mary Jones

    “merely a storm”?? So that makes it all better??? wth???

  • http://www.rayellen.com RayZorback

    Hey look! I’m on a website! :) Nothing like a friendly reminder that the world is watching.

    @EarlsAccount pointed me to an article that answered my question. Here is a key paragraph:
    “But in order for a hurricane deductible to apply, New Jersey law requires the storm to be a named hurricane with sustained winds of 74 miles per hour as measured by the National Weather Service. Homeowners lucked out because the weather service downgraded Hurricane Sandy to a post-tropical storm about an hour before it struck Atlantic City.
    Standard homeowner deductibles, which generally range $500 to $2,000, will apply instead.” – http://www.nj.com/business/index.ssf/2012/11/christies_order_makes_it_offic.html

    So, as it turns out, the entire order is completely unnecessary because the law/rule is already in place. Maybe instead of an executive order, they should have titled it “Press Release”. And here is another thought for the Gov: in an executive “order to claim” that storm damage was “tropical storm” related, don’t reference the storm as a Hurricane. ProTip.

    PS: thanks for the new follows. I look forward to more discussion. And I know I had typos and grammatical errors. It’s twitter. :)

  • Guest

    I watched the news that night, and by the time Sandy had reached New Jersey it had been downgraded and was no longer hurricane strength. The insurance companies would no doubt try to argue this point and the executive order prevents them from doing so. As for raising rates or declining to insure people, that’s probably not going to fly either.
    Christie doesn’t like Obama, he hates him, but his state is a disaster and he needs federal aid. Obama has an ego so big it could have its own moon, so Christie has to put aside his personal feelings of disgust, butter him up and spread it on thick. He’s willing to look like a tool so that he can get help for his state, and the people of New Jersey will remember that when Christie comes up for re-election.
    If Romney wins on November 6 Christie can tell Obama where to shove it, but if the unthinkable happens and Obama wins Christie knows he’ll have to get along with him so he doesn’t want to burn any bridges. It’s politics 101 if you can read between the lines.

  • rennyangel2

    Sandy was down to gale force Monday night onland, 30-40 mph winds with 75 mph gusts: National Weather Service and reported in NY Post on Wed., the 31st.

  • robin Grace

    You folks need to research the issue. State Farm is the one trying to screw NJ..they are the front runner. I live in FL… lots of hurricanes..we went thru the same thing here..took years for Ins Co’s to pay up what we insured for.

    • justlisa

      Exactly. I lived in Homestead during Andrew. That was total devastation.

      Sitting…sweating…MELTING…in the pitch black (unable to see the hand in front of your face) because there was no power…no lights for miles. Sitting and listening to gunshots in the night…with a gun in my lap to protect my windowless, roofless home from looters. Only to wake up the next day and stand in line to buy bottled water ($5 gal), bread ($5 loaf) and ice ($10 bag) from the back of semi-trucks from up north. Most of which was donated by kindhearted people…only to be sold to the victims at exhorbitantprices.

      And, yes, it took years for MANY people to get money from their insurance companies. I was luckier in that regard, at least.

  • orringtonmom (D)

    i understand the sentiment, gov. christie, but this isn’t right. why make things harder for people to get the help they need from the insurance companies??

  • DianaRae_FL

    Quick fix for a bad problem. I live in Florida and many companies have left the state because of hurricanes. With Christie doing this the companies will probably follow suit. Everyone in the state of NJ, whether impacted or not by Sandy, will end up paying for this in the long run. That isn’t fair to those that do not live on the coast.

    • afvet4america

      Thats what I think too.

    • justlisa

      They left the state because they didn’t like to pay. The ones that stayed? They’re getting some fat premiums.

  • Sketti

    So since Sandy wasn’t technically a “hurricane” according to Christie I guess NJ won’t be getting any federal funds set aside for “hurricane” victims, no?

    • http://twitter.com/lady_smarts lady_smarts

      The aid declarations are not dependent upon wind speeds – they are typically dependent on the nature and scope of the damage. The definitions are fairly rigorous and part of the Public Law that authorizes such declarations.

      • Sketti

        I’m sorry, I guess the “?” threw you off. My statement was satire, or at least in my mind it was. But thank you for your articulate and meaningful response.

  • Charm4sure

    In less than a week Christie is once again disgusting. First his bromance with BO and now his redefining the hurricane. He’s acting like a dem by redefining things so he can buy votes by sticking others with someone else’s bill and at the same time ripping off legitimate businesses. Stay in Jersey, Christie. We have the Chicago Machine and it has been a disaster. Don’t need the Jersey machine. How is Christie any different than a crook? Sick of this kind of politics. Screw them all.

  • Jim Cooper

    The insurance companies knew that when it was downgraded they would foot the bill. they are the creators and masters of contract language. All CC did was pander to constituents by issuing an unnecessary order. Like already stated, a Press Release would have brought relief to agonized owners. Just Free Feel Good Governing.

  • dwsmokin

    Have to agree with Christie on this one. Sandy was indeed a Hurricane until it combined with two cold fronts, then it became a storm. Call it a Superstorm, Frankenstorm, whatever, but it ceased to be a defined hurricane once it combined with those fronts, just as a tornado becomes a windy storm after the funnel cloud disappears.

    • http://twitter.com/TheAngieNC2 Angie (D)

      Technically it became Post-Tropical Cyclone Sandy but “Superstorm” sounds sexier.

    • afvet4america

      Okay then the media needs to retract everything mentioning Hurricane Sandy after she hit land? Right? She has to be called The Super Storm Sandy now.

  • GoSellCrazySomeplaceElse

    I’m surprised there wasn’t a photo-op with Christie and his new BFF Obama sitting together, each signing an Executive Order. It would have been dreamy.

  • sebastianwoof

    Insurance premiums were calculated based on the
    hurricane deductible in the contract.
    Is Christie using dictatorial powers
    to alter insurance contracts that were approved
    by the NJ Insurance Department?

    • afvet4america

      Yes, that’s overstepping. I believe Insurance company’s may beg to differ with this. Technically redefining an insurance policy but aren’t all hurricanes storms?

  • Purple State

    Poor Christie. His state was ravaged and he merely praised the president who helped out his citizens out and now he must pay the penance of Twitchy venom.

    • http://twitter.com/TheAngieNC2 Angie (D)

      First of all, the President didn’t do “help” anyone out — he did what he was obligated to do so that MY TAX DOLLARS can be released to help NJ out. Second of all, they are not “his citizens” — Lord have mercy, we don’t *belong* to the government (yet) Comrade, although I’m sure you are working on that, as your entire mindset betrays. Finally, if you think this is “venom” you must live a very sheltered life there in your mom’s basement. Toughen up, buttercup, because if TehPrecious wins re-election, life’s going to *really* get tough for you.

      • Purple State

        Personal insults aren’t necessary. Civility, remember? It’s what Twitchy is always policing in others.

        “Citizens” in my original post referred to the people of New Jersey, and “his” referred to Chris Christie. He’s the governor of that state, and responsible for the welfare of its citizens because they elected him.

        Also, if all Obama did was what he was obligated to do, why are conservatives so offended by Christie’s praise? Shouldn’t it be easy to roll such praise right of your collective back?

        • http://twitter.com/TheAngieNC2 Angie (D)

          Statements of fact aren’t insults, but I understand special little snowflakes are especially sensitive.

          I’m not offended by Christie’s praise of Obama — and absolutely NOTHING in my post implied that (try to read, comprehend & actually formulate a cognizant response to what someone writes/argues rather than repeating talking points such as condescending bon mots about “civility” — I had enough respect for you to actually read & respond to what you *actually* wrote). Anyone who thinks a governor working with the POTUS on coordinating FEMA support for a natural disaster can “save” the flailing Obama campaign/dismal 4 year record OR constitute an endorsement of him are equally moronic regardless of party ID.

          However, despite your characterization of letting things “roll off our collective back” (again, a completely irrelevant point given what I wrote), conservatives aren’t a monolithic group-think “collective” like the left is because we are able to think for ourselves (more proof of your misguided mindset about people with whom you disagree politically). My post was directed at *your* specific misstatements regarding the situation.

          • Purple State

            You didn’t intend “you must live a very sheltered life there in your mom’s basement” to be an insult? Come on. It can’t possibly be construed as a “statement of fact” because you have no idea where or how I live. My comment about civility was directed at that statement and the condescending bon mot “buttercup.” Again, neither were necessary.

            Also I wasn’t accusing you of being offended by Christie’s praise of Obama. I was referencing the story that we’re both commenting upon, and the general flavor of the comments in this forum. That was also the focus of my original comment (that you replied to.)

            Additionally it’s really difficult to take the “conservatives aren’t a monolithic group-think ‘collective'” supposition seriously when you’re making it within the insulated coterie of Twitchy.

          • http://twitter.com/TheAngieNC2 Angie (D)

            I must not have been clear enough in my last post: you aren’t worth anymore of my time responding to, buttercup.

  • [email protected]

    Governor Christie has shown He is a Family Man, a Concerned and Caring Governor, Says what He has to say and does not care who does or does not like it…He is going to show the rest of the States How this is to be handle…..No messing around…New Jersey We are in Good Hands, Thank You Governor Christie, My hat is off to You and all My respect…Go get them Christie…..The New Jersey Way, rite to the point.

  • Suzanne Cole-Rice

    I heard on Rush that Joe Bastardi disagreed with the downgrade to a post-tropical storm. Checking his twitter one of many things he said was – The sheer lunacy of a storm from the tropics, breaking pressure and surge records in ne with NO HURRICANE WARNING is almost incomprehensible. – There was something about the hurricane center predicting a downgrade to post-tropical storm & they went ahead & did it even when hurricane force winds and a warm core would suggest otherwise to show that they were right.
    Also, I am in the insurance industry & the rates/premium & contract contemplate a risk that is born out in fact, not semantics. If it has all the attributes of a hurricane then it is a hurricane. Unfortunetly, the heavy hand of government always gets in the way of a valid insurance contract & the insurance company & the other policyholders that make up the pool get screwed. Did you know that states with no hurricane risk are in that pool & pay for this? The losses are so big that eveyone is affected. So now the companies will have to pay more which hurts us all.

  • justlisa

    As a conservative…I’m pretty disgusted at the nasty BS in here.

    Is this what Twitchy attracts???

    Guess I’m going to have to go looking for a place…where rational conservatives discuss real issues.

    If I wanted to deal with this crap, I would become a lib.

  • Carter_Burger67

    I’m glad Christie showed us who he really is before we ran him for president. I’ve already had my suspicions regarding him, this last week, he has born them out.

  • Carter_Burger67

    I’m glad Christie showed us who he really is before we ran him for president. I’ve already had my suspicions regarding him, this last week, he has born them out.

  • tht

    Beware East Coast. After Katrina, you can’t get wind insurance anymore and insurance if you live where it flooded, good luck.

  • Pontiac Pete

    Hey Fatso – I have a good idea – when the people in New Jersey, on “the Jersey Shore of your youth”, rebuild…tell them to rebuild a few miles from the ocean. That way we don’t have to pick up the bill next time. Enough of them enjoying the benefits of living the good life on the beach, but not sharing the risk when things go bad. That goes for you too California.

  • Pontiac Pete

    Hey Fatso – I have a good idea – when the people in New Jersey, on “the Jersey Shore of your youth”, rebuild…tell them to rebuild a few miles from the ocean. That way we don’t have to pick up the bill next time. Enough of them enjoying the benefits of living the good life on the beach, but not sharing the risk when things go bad. That goes for you too California.

  • SideTraKd

    It might result in higher premiums, but if Sandy was decreased to a Tropical Storm before landfall, then it was NOT a hurricane anymore, no matter what people are calling it.

  • Gallatin

    christie just became someone that I would never vote for as President. Someone who has a $500,000 home can’t afford a $20,000 deductible? By executive fiat he can change the rules he doesn’t like. Isn’t this what obowmao has done for 4 years? Is this the kind of BS we’re going to get in a Romney administration, especially if christie gets appointed to something? Ladies and gentlemen this is an example of what we have got to stay vigilant on. We have to “call out” President Romney when this kind of nonsense happens. I have no problem making Romney a one term proposition. NONE AT ALL.

  • Kele Johnson

    What has happened to Chris Christie? It’s as if this hurricane blew every bit of common sense right out of his noggin. First he yucks it up with Obama and his photo op express, now he’s issuing Obama-style executive orders?

  • PATRIOTGRUNT

    Screw contracts . Screw agreements between two parties . Screw hand shakes . Screw verbal contracts. Screw your word . Screw anyone and everyone you can . Get all you can. Screw the law , Oh yes , thank GD for the EXECUTIVE ORDER , and the fat pig RINO .

  • jeannebodine

    Just another Big Government Liberal interfering in previously agreed-upon terms between private individuals for his own political ends. There is NOTHING that separates Christie from Obama: executive orders, changing the terms of the contract (by decreeing Sandy “not a hurricane”:), etc. I don’t even want to hear this guy’s name mentioned as a Republican, let alone a conservative.

  • gracepmc

    Christie for Governor of Florida! These people are in need of serious help. And many Americans have suffered similar and perhaps worse disasters. But that help should not include a politician issuing an Executive Order affecting private contracts which will inevitably result in less coverage and higher premiums in the future.

  • Michael E Rupp

    As a regular Twitchy ready (and usually a fan), there are a lot of posts in this thread that I find disturbing. The anger at Gov Christie because he’s working with the Leader of the Free World to try to help his state recover I think borders on liberal-like blind hatred. (Like it or not, that’s who Obama is right now — we get to change that on Tuesday!) And Christie putting insurance companies on warning not to try screwing customers by using the storm’s NAME rather than its official NWS status is government at its best — actually ENFORCING rules and laws already in place. Wouldn’t it be nice if Holder issued an order stating anyone intimidating voters (say, in Philadelphia) would face the full force of the law?

    • justlisa

      Thank you.

  • http://twitter.com/DaffodilTimes The Daffodil Times

    Oh good Lord people. “boo-hoo now the poorer residents of the affected areas will have enough money to rebuild after paying a lower deductible and we won’t be able to make fun of them for being poor! boo-hoo” Get a heart people. If the Weather Service said that it was a post-tropical STORM, then that’s what it was. You conservatives just can’t stand the thought that insurance companies won’t be able to suck the life-blood out of these people.

    • Gallatin

      The nine most terrifying words in the English language are, ‘I’m from the government and I’m here to help.” President Ronald Reagan

  • http://twitter.com/lady_smarts lady_smarts

    Once again Twitchy jumps into a subject without research. Sandy was downgraded BEFORE it hit the shore. Governors of New Jersey, Delaware, Pennsylvania and new York – at least – have all declared that hurricane deductibles will not apply and the insurance companies – the other parties to the contracts so many of you are defending – agree. It was not a hurricane when it hit land – hence the sobriquet Superstorm Sandy. This is the third Twitchy story I’ve seen in two weeks that was absolutely misleading. Don’t let Michelle’s hunger for attention lead you astray – as it has apparently led her.

    • Sketti

      Once again lady_smarts jumps into a subject without research. Please note above “Posted at 6:50 pm on November 2, 2012 by Twitchy Staff” If in fact Michelle’s “hunger for attention” is as robust as you say, wouldn’t she have at least identified herself as the author of this post? Just a suggestion, you may want to refrain from unsupported and nonsensical assertions if you would like us to take you seriously.

  • Jim

    Are you guys insane? Obama is the best thing to happen to the us since lincoln.

    • justlisa

      Now, I’d have to agree with you that some of these folks are off their noodles… But, comparing Obama to Lincoln? You’re right there with them… Oy…

  • Jim

    Are you guys insane? Obama is the best thing to happen to the us since lincoln.

  • http://www.facebook.com/msadick Michael Sadick

    I’m not too happy with Christie right now, yelling at Fox News for asking if Romney would join him, then kissing Obama’s butt afterwards. However, my local meteorologists in CT were saying that Sandy ceased to be a hurricane when it landed in NJ or just before it landed in NJ. So technically it was post-tropical meteorologically speaking. So I think it’s more of an “insurance policy” against the insurance companies… plus probably something for his re-election campaign next year (as was hanging out with Obama).

  • Eleanor Baldwin

    Isn’t that insurance fraud? Which is a felony.

  • Chris Burke

    There is a scientific designation for the term “hurricane” as well as “tropical storm”. They can measure whatever they want and label it appropriately. That being said, this was both a hurricane AND a nor’easter, combined, which is what caused the problems. (Nor’easters don’t get names, and “hurricane” sounds cooler anyway.)

  • Suzanne Cole-Rice

    This article from Property Casualty 360 supports my point in my prior post.
    http://www.propertycasualty360.com/2012/11/02/higher-rates-lack-of-coverage-likely-after-states Neil Alldredge, senior vice president, state & policy affairs, for the National Association of Mutual Insurance Companies is quoted in this article & points out what I had said to a T.
    But with Irene, Alldredge says, “It was a hurricane. In this case [Sandy], you have this phantom decision just before landfall that all of a sudden this was not a hurricane, even though it walked like a duck and quacked like a duck.”

  • mtj3134

    Trenton J… No insurance company in their right mind would attempt to charge hurricane deductible….. Love your ” misguided ” sense of humor…. Not

  • http://twitter.com/painfuldeathpub Jerry W Hawkins

    CC just lost the respect I had for him

  • http://twitter.com/judywmiller judy w. miller

    Have heard comments that Hurricane was “a gift from Heaven” to Obama. Christie better watch out 4 lightening.

  • gotham43

    Maybe christie has been hanging around with the President too much. Give Christie a few more years and he will flip to a democrat. He is angry he was not Romney’s VP pick so he is trying on the Obama cloak.

  • Silenttype78

    This is unethical.

  • Mapache

    I suspect it will end up in the courts. NOAA did say that Sandy lost its status as a hurricane so Christie may have point. At issue is, what is the official agreed upon definition of a hurricane for insurance purposes. I would think it would be a pretty simple case.

  • EnemyOfStatists

    Christie is exactly right. Wunderground’s Jeff Masters said a couple of days before the storm hit that it would no longer be a hurricane once it joined with the nor’easter and before it would make landfall. The NWS is correct and Christie is making the right call. The insurance industry dropped the ball when they wrote the regulations and failed to allow for such an occurrence. There is nothing wrong in making them abide by the letter of the law the same way they do their customers.

  • justlisa

    What…no comments on Christie undermining the law when it comes to union BS?

    http://dailycaller.com/2012/11/03/christie-threatens-disaster-control-act-order-to-guarantee-nonunion-utility-workers-can-help-restore-nj-power/

    The man is doing an awesome job for his constituents.