Mobile Bay Blog

Bayou La Batre. Here comes the neighborhood
September 19th, 2007 10:07 AM

 

Wednesday, September 19, 2007
By RUSS HENDERSON
Staff Reporter

BAYOU LA BATRE -- A pair of sisters stood in the shade of a tree Tuesday, watching a 100-ton crane lower half of a brand new, and completely free, pre-fabricated home onto concrete pilings on the spot where their home had stood before Hurricane Katrina.

A team of workers soon put together the two halves, bolted and lashed them down, then fitted the halves together with fraction-of-an-inch precision. It was the fourth of 42 homes the city plans to deliver in the coming months, at a federally funded $98,000 to $112,000 apiece, for storm victims.

"I always slept in the bedroom with my sister," said Ellen Barbour, 34, standing beside her sister, Alicia. Their mother, Regina Barbour, in her 70s, did not leave their Federal Emergency Management Agency trailer to watch their new home take shape.

The old home had two bedrooms while this one has three, Ellen Barbour said. She said that, for the first time in her life, she'll have a room of her own.

The construction and installation of the modular homes is being overseen by the modular division of Mobile's The Mitchell Company. After months of planning and waiting, the first homes were put in place this week. The company plans to install six homes per week, weather permitting, until up to 45 homes are in place.

All of the houses are free to the owners, who lost their homes to Hurricane Katrina's floodwaters in 2005. The city selected 42 applicants who met qualifications -- among them, that they had clear title to their land, that they owned it prior to Katrina and that the home was irreparably damaged by the storm, said Mayor Stan Wright.

Priority was given to those who, like the Barbours, are still living in FEMA trailers, Wright said. Special consideration is also given those who are handicapped or have special needs, he said.

The brand new homes -- ranging from 1,100 to 1,400 square feet -- are being paid for using part of a $37 million grant the city received last summer from the U.S. Department of Housing and Urban Development.

The grant will primarily build a new $24 wastewater treatment plant, but includes $8.8 million for new home construction and for elevating houses in the floodplain.

The two halves of each home were built by Dallas-based Palm Harbor Homes, and that company's workers were also driving the assembled halves into the Bayou then putting them together.


© 2007 Press-Register

Posted by Kelby Linn on September 19th, 2007 10:07 AMPost a Comment (0)

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Vote for: Flood Insurance Reform and Modernization Act of 2007 - Mobile Alabama
September 24th, 2007 4:32 PM

Below is a copy of letters that are going out to our Elected officials to remind them how we need them to vote.  If you are in a coastal flood plain anywhere in the country, you can feel free to use this letter as a template to improve the bill's chances of passing

Kelby Linn

Dauphin Island, Alabama 36528

September 24, 2007 05:26 PM

Representative Jo Bonner

U.S. House of Representatives

422 Cannon House Office Building

Washington, DC 20515-0001

Subject: Vote Yes on H.R. 3121

Dear Representative Bonner,

As a REALTOR and a constituent, I urge you to vote in favor of H.R. 3121, the Flood Insurance Reform and Modernization Act of 2007 when it is considered by the House this week.

The National Association of REALTORS strongly supports legislation that will reform the National Flood Insurance Program (NFIP) by offering increased coverage to homeowners and ensuring that flood maps are updated as expeditiously as possible.

The NFIP offers an important element of protection to homeowners in areas of the country vulnerable to flooding, and helps to lower federal expenditures for disaster assistance and flood control. It is critical that flood insurance remain accessible and equitable for all individuals who own property in a floodplain.

Please vote for H.R. 3121, the Flood Insurance Reform and Modernization Act of 2007.

Sincerely,

Kelby Linn

Dauphin Island, Alabama 36528


Posted by Kelby Linn on September 24th, 2007 4:32 PMPost a Comment (0)

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Ala. Coast Pushes for Insurance Relief
September 4th, 2007 2:07 PM

MOBILE, Ala. — As Labor Day tourists took an end-of-summer beach trip, owners of thousands of condominiums that line the Alabama Gulf Coast said they were getting burned by soaring insurance premiums.

Insurance legislation aimed at making coverage available and affordable on the coast since rates spiked after Hurricane Katrina couldn't come soon enough for the resort real estate industry.

"It's horrible. Rates have gone through the ceiling," said Fort Morgan builder Greg Miller.

Miller said Friday he paid $22,000 in coverage on four condo units until Katrina struck Aug. 29, 2007. He said he now pays $108,000 on his units for less coverage. "That's all we could get."

He said the deductible on wind damage has risen from 2 percent to 5 percent.

Rates began rising after Hurricane Ivan struck three years ago as insurers moved to avoid huge disaster losses.

"We actually have some documented 1,000 percent increases. Most are in the 300 to 400 percent range," said longtime insurance dealer and former Foley Mayor Tim Russell.

Russell is among those pressing Gov. Bob Riley to call a special session of the Legislature to deal with the coastal insurance crisis, which Russell blames for a slowdown in construction on any condos planned before Ivan.

Riley has discussed with lawmakers the need for a special session on ethics reforms, but has made no decision on calling one. If a session is called, insurance measures might be among the issues addressed, Riley spokesman Jeff Emerson said.

State Sen. Ben Brooks, R-Mobile, said he's preparing some insurance legislation. Brooks declined to release details on the unfinished bill, but said it does not require a subsidy from the state.

Brooks, who is an attorney, said he's surveyed insurance measures in South Carolina, Florida and Louisiana and favors the South Carolina model. The South Carolina Legislature passed a bill in June to help stabilize the cost and availability of coastal insurance.

Provisions include allowing homeowners to put money into tax-deductible hurricane savings accounts, which they could use to offset large deductibles or skip buying insurance and self-insure. Insurers can get tax credits for writing full-coverage policies along the coast.

"I think there's a lot of pressure on the governor to have a special session. I think we need it. We've got to get some help," Russell said.

Some of that pressure also comes from the Alabama Association of Real estate agents.

"So far, nothing has happened," said Martha Taylor, director of the Baldwin County Board of Real estate agents.

Coastal coverage is available, but insurance companies have stripped down coverage with higher deductibles and more exclusions. The lack of hurricanes so far this year has helped bring more insurers into the Alabama coastal market.

Gulf Shores real estate broker Bill Bender said insurance firms are "like everyone else, when they see competitors making money then they want a piece of that and will start tiptoeing back."

The insurance industry opposes having states getting involved in it's business, saying competition is the way to go. State Farm, which insures more coastal homes than any other carrier, has been involved in the discussions on making insurance available on the Alabama coast, a spokesman said.

Brooks met recently with Russell, who is pushing for creation of a "captive" insurance fund that would benefit cities and counties that participate in it. Legislation would help the cities and counties create the fund, Russell said.

"No hurricane is the best thing for all of us. That's not going to solve the problem," Russell said, referring to the population growth on the coast.

He said state legislation also could include tax incentives for the industry to build a catastrophe reserve.

Speaking recently in Biloxi, Miss., at the Southern Governors Association conference, Riley said no governor wants to get involved, but if the insurance companies deny coverage to an entire area of the coast, they will force the states to get involved.

Riley, who has owned a condo in Sarasota, Fla., since the early 1980s, said his insurance payment is handled by the condo association and he isn't sure about the premium amount.

In general, condo associations have master policies known as "all in" coverage that includes walls, floors, fixtures, installation and other items.

State Insurance Commissioner Walter Bell said he agrees with Riley when the governor says that he does not want the state to be in the business of insurance.

"Our position all along has been that it is next to impossible to manipulate the market," Bell, who is from Mobile, said through a spokesman.

Some new companies are entering the coastal market, Bell noted.

"However there are some things that can be done to help, and we have been working with legislators and other interested parties in determining what will work for the citizens in coastal counties and for the marketplace," he said.


Posted by Kelby Linn on September 4th, 2007 2:07 PMPost a Comment (0)

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Alabama needs to preserve its vital working waterfront and provide for Tourism!
September 3rd, 2007 11:36 AM

By LADON SWANN

Special to the Press-Register

W ater-dependent businesses, such as boat-building and shipbuilding, charter boats, commercial fishing, docks, wharves, marinas, recreational fishing and nature-based tourism, depend on access to portions of Alabama's 600 miles of estuarine and Gulf shoreline.

Although there is no composite economic information for all water-dependent businesses, we easily recognize the value to the economy from this very special group of economic drivers. Most of these small businesses have existed for many generations.

As a result, the mostly family-owned and operated businesses and the infrastructure that supports these businesses place them among the most recognized landmarks or activities in our coastal communities.

Alabama's working waterfronts provide goods and services to virtually everyone who lives on the coast. To some degree, we chose to live here because of these businesses.

For example, imagine looking out into Mobile Bay and not being able to enjoy the annual sailboat regatta; not being able to watch the shrimp boats working opening day of brown shrimp season; not being able to enjoy the numerous shrimp and seafood festivals; not having access to truly fresh seafood available right off the boat; not being able to see the oyster catchers at Cedar Point; not having access to dockside fuel, ice or pump-out stations; not being able to launch a boat; not having access to public beaches; or not having access to any of other water-dependent activities that make living on the coast so enjoyable.

The population density of Mobile and Baldwin counties is twice that of any other Alabama county. As the coastal population increases, we will likely lose a high percentage of our economically and culturally important working waterfront.

The reason is clear: Many of our new residents desire to live on expensive waterfront property -- and have the income to do so. This leads to the economic and physical displacement of much of the traditional working waterfront.

The term "gentrification" can be used to describe the process.

Everyone recognizes the importance of development to our local economies, but we sometimes fail to agree on how to strike a balance between new development and the overall value provided by our traditional working waterfronts.

The loss of the working waterfront is a nationwide issue that has to be addressed by these water-dependent industries with support from federal, state and local governments.

Indeed, for each of the past two years federal legislation has been introduced to support the nation's working waterfront. States such as Maine, North Carolina and Florida have passed progressive legislation in support of working waterfronts.

In Alabama, several local communities have recognized the value of their working waterfront and have taken a variety of measures to help preserve them.

Orange Beach recently purchased a marina to help alleviate the development pressure on waterfront property too expensive for many small businesses. This purchase is significant because of the precedent set by a local government to sustain the economically important recreational fishing industry.

Direct acquisition of working waterfront property by local governments is uncommon, and likely will not be used often because of the high cost placed on local budgets.

Dauphin Island has identified working waterfronts as an economic driver for the historical fishing community, and has plans to protect them from unmanaged development.

Planning efforts in Bayou La Batre also acknowledged the value of that city's working waterfronts, and recommendations have been made to use its rich fishing heritage to attract tourism by marketing the Bayou La Batre-Coden communities as a working waterfront village.

Understanding the need to sustain the working waterfront in the north central Gulf of Mexico is not limited to Alabama.

After Hurricane Katrina, Mississippi Gov. Haley Barbour established the statewide Commission on Rebuilding and Recovery to develop and implement plans for the state's long-term recovery.

The committee on Agriculture, Forestry and Marine Resources identified the loss of Mississippi's working waterfront as an area of concern. Some progress has been made since the final report was released.

In particular, it is important to know that funds from Mississippi's Coastal Impact Assistance Program will likely be directed toward working waterfronts.

Here in Alabama, a group of water-dependent businesses from both sides of Mobile Bay have formed the Alabama Working Waterfront Coalition. The AWWC currently consists of commercial and recreational fishing industries, seafood processors, boat-builders and nature-based tourism representatives.

The coalition's goal is to coordinate with all sectors of the working waterfront to develop and implement strategies to ensure the future of Alabama's water-dependent businesses.

The AWWC holds regular meetings, and some of the programs under way include an inventory of Mobile County's water-dependent businesses, planning for the development of safe harbors for use during storm events, and current-use tax legislation.

I firmly believe that without direct state involvement, the commendable and forward-thinking efforts under way in Alabama's coastal communities will not be enough to secure the future of this important business sector. Alabama has to take a serious look at maintaining its working waterfront before it disappears.

Short-term hurricane relief or the long-term Coastal Impact Assistance Program seem to be extraordinarily appropriate sources of potential funding.

I hope Gov. Bob Riley recognizes the value of Alabama's working waterfront and provides the necessary support so that industry and state, local, federal and non-profit agencies can work together to develop and implement recommendations for sustaining it.

If Alabamians do not build working waterfronts into plans for expanding economic development, then coastal Alabama may go the way of other regions of the nation.


© 2007 Press-Register
© 2007 al.com All Rights Reserved.

Posted by Kelby Linn on September 3rd, 2007 11:36 AMPost a Comment (0)

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