[LPT] Homeowners insurance in Florida

I have a mortgage free home in Miami that as of current.. homeowners insurance policy costs $5k per year. Insurance companies, the few that underwrite here have strict requirements to get down to the $5k range, basically fortifying the home. As often as we get hurricanes here, every passing event seems to invigorate insurance companies more and more to short policy holders against their claims. So what gives??? Spend thousands fortifying the home with shutters, metal roof, etc. where minor hurricane events do not penetrate the home (no claim). While an event sustaining “some” damage, say $10-15k worth, open a claim, and get half that or less even..

Wouldn’t it make more sense to cancel the policy, and pocket the $5k every year?

The gamble lies on major category hurricane events, which seem to occur every 50 to 75 years in the general area, last one being Andrew over 25 years ago.

Even if total loss were to occur, hypothetically, 20 years worth of insurance payments is roughly equivalent to costs in restoring the home. And if one were to happen this year, I am aware FEMA writes loans out to help folks in that scenario, as they did in the Keys for Irma.

Best scenario, of course, would be NOT having any such event ever happen during ownership of the home. while not paying insurance. Would be interested in reading your thoughts; and would you do anything better/different??

submitted by /u/radiox305
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Do they make coolers/holders that fit between seats? (2018 Chevy Malibu)

This may be a stupid question, but here goes…

I am a full-time ride-hire driver for Lyft, driving a 2018 Chevy Malibu (which I’m loving, BTW.) The majority of my passengers ride in the back seat. I try to have 2 cold bottles of water available for them most all the time.

My question is: Is there some kind of tray or box or cooler that will fit between the two seats, above the center console, to put either several waters (in ice, if possible) or maybe some candy for my passengers?

It’d need to be fairly sturdy and quite affixed in place to handle the bumps of the road, etc. I wouldn’t want candy or ice or anything spilling out into the passenger’s laps or anything.

Is this just a pipe dream, or does someone make something like this?

submitted by /u/charlesstricklin
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Quieting down WRX exhaust for inspection

As some of you might know, I recently bought a cheap 2004 WRX wagon. I brought it home last week, and it drives well and pulls like a train. In Massachusetts they give you 7 days to drive it before you need to get an inspection, and today was my last day. I went to a inspection gas station place, and before I even paid he said it wouldn’t pass because of the exhaust and a broken tail light housing. The exhaust has no brand as far as I can tell but it does have a good size muffler and it’s really not that loud. I was thinking maybe about welding in a glass pack or something like that? Or finding a stock exhaust on CL. What do u guys think I should do

submitted by /u/jgbuddy
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Optimum No Rinse = car cleaning lifehack

I live in a condo without a car wash and have no access to a hose or anything. This solution called Optimim No Rinse is fucking legendary.

Put 10 ML of solution and then 3L of water into a compression spray bottle.

Bring some cloths

Spray panel with solution

Dry it with cloth!

My car is satin black so any dirt stains Aren obvious. Washing with this method is cheap quick and extremely effective. Highly recommended!

submitted by /u/IWantRaceCar
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People who wash their car and take pictures before it dries.

Why are you the way that you are?

I’ve found one of the worst ones I’ve ever seen. Nice suds man. https://losangeles.craigslist.org/sfv/cto/d/1989-bmw-325is/6592181929.html Though at least he has other photos up where it’s dry. Some people are just like…look at this beautiful puddle I made.

submitted by /u/butwhystherumgone
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