When Insurance Just Isn’t Enough

Having friends living along the edges of the watery basin we know as the Gulf of Mexico suffering the effects of Hurricane Harvey this 2017 Hurricane season , and despite some very real difficulties, I was reminded of another hurricane season in the Gulf and someone’s sense of humor.  The 2004 Hurricane Season brought Category 4 Charley to the Gulf coast of Florida in August which was the costliest storm to that date, only to be crushed  by the following record breaking 2005 season when Dennis, Emily, Katrina, Rita, and Wilma visited our lovely state.  A parade of active hurricane seasons besides having us all take Mother Nature more seriously, caused quite a few insurance companies to flee doing business in Florida. Even today my family has Citizens, the insurance company of last resort, since no company seems to want our small house situated on a canal linking to the ICW and vast Atlantic Ocean.

I could not resist going back in my files to gather up images I could never forget taking with my first digital camera, the Canon Rebel DLSR. It was September 19 of 2004 only 5 or so weeks after Hurricane Charley had come and gone, that we were visiting Naples and I wanted to take a few sunset pictures on the beach. The west coast has nice civilized sunsets, while in the east where I am you have to get up so early for pretty pictures of the sun near the horizon so I earnestly looked forward to the opportunity.

So, I spent some time walking up and down the beach waiting for the sun to descend when I approached a house, a large beautiful one with the new vertical metal style roof.  I was startled by the strange sight of  a giant orange anchor sitting in the yard and on closer examination realized that it was firmly attached to the house by a heavy metal chain snaking through the yard. Then I laughed so hard at the perfect absurdity and the rationality of the thought that this house was indeed anchored to the world and no hurricane wind would blow it away or rushing waves carry it out to sea. While it is difficult to see, on the left side of the 2nd image, this property owner has covered all his bases as a trio of crosses stands in an elegant and stylish display and certainly must appeal to divine intervention. So you can see the title I gave these images, When Insurance Just isn’t enough, is a natural one. So there Windstorm Insurance companies!!! Since this image was taken in September 2004, the 2005 season with its five hurricanes striking Florida was still in the future. I hope they fared well in 2005.

I don’t mean to make light of a difficult situation, but gotta love the very clever sense of humor of this  homeowner!! Maybe we all need to smile at life’s ups and downs whenever we can.




This image is just an old favourite from that same day.
It's color are so muted due to the presence of white
light courtesy of the descending sun. You can see
the pilings pointing out to the lighted horizon and
mounds of seashells polished by the storm piled
up on the beach and around some of the pilings. Hard to
see but pelicans sit on the furthest out pilings. I 
called this one Let There Be Light back when I took it.
It still looks interesting to me.

Wishing everyone in harm’s way this hurricane season a speedy recovery as they heal and rebuild!!


~ by Judy on August 28, 2017.

9 Responses to “When Insurance Just Isn’t Enough”

  1. That’s a great story, and very appropriate for the unstable weather affecting so many areas of the world. Thanks for sharing and for giving our hearts a smile!

  2. I love the groins marching out to sea, with the sun lighting just that patch. Time was I did lots of sea-studies; this composition would have been a favourite of mine.

    • If I had known more about photography I would have liked to work this scene a bit more. Maybe gotten those pelicans at the end to show up more and more detail of the piles of polished shells on the beach. Really quite beautiful. I did go to this exact spot a couple of years later when we were passing through Naples just to see if I could find that spot again, but it wasn’t the same…I did locate the pilings again but the shells were gone and it was just a different day, different landscape. I did like the way the light shot out from beneath clouds and lit the water and pilings. Groin is my new word for the day btw. You tend to give me new words. I only knew it in the biological sense.

      • I think it’s often (or even correctly) spelled with a -y- (groyne). Pronounced the same, anyway. And I know what you mean of things changing. I lived in Gorleston (across the river) for 7 years, way back before digital cameras (okay, they were about, but exceedingly pricey and not a spit on what we have today). Anyway, Gorleston beach had lots of groynes which I took loads of photos of in different conditions. But when I went back there about 3 years back, the sand had all but covered them. The beach looked bare!

      • I did see the alternate spelling in looking it up. Both appear correct and it seemed that the groin spelling is more US and the other more UK. Yeah beaches and objects that appear and disappear are interesting as sand gets taken away and added back with changing currents and seasons.

      • Also, we’ve had a new harbour installation, in addition to the offshore windfarm, so the sand accumulation is extra excessive. Then, of course, there’s the ongoing coastal erosion. Some you gain, some you lose. 🙂

  3. I love that top photo. It’s pretty clear that you and I share a quirky sense of humor. Things that seem “insensitive” to some can leave me rolling with laughter, so I try to behave myself in proper company.

    The second photo’s lovely. I think any kind of pier reaching out to sea makes a fine study. The discussion of groin is interesting, too. I’ve never heard it used except in regard to particular kinds of structures, like dams. The breakwaters that extend into the Gulf in places like Galveston are called jetties, even though they aren’t paired as they often are as an entrance to a harbor.

    In any event — fine photos, and a nice reminder that there probably still will be something around to photograph once I can be out and about. The urban streets are clearing, but it’s going to be a while before I’ll venture very far — partly because gas still is in short supply.

    • Well they always says that tragedy is at the core of humor…at least sometimes. It is our pressure valve and being overly sensitive is kind of like not letting your kids play in dirt. You can’t get any immunities whether dealing with disaster or germs if everything is all sanitized and perfect. Gosh the example that always comes to mind and I know I should skip the example, but after the Challenger blew up…I mean it took about two seconds for the joke to start going around—– Do you know what NASA stands for?…….Need Another Seven Astronauts! But, the anchor isn’t insensitive like that and I can just see the house floating in the air tethered to that anchor by the heavy chain.

      Understand about the gas!! Stay home and be safe for a bit.

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