On Aug. 23, 1992, I lived in a three-bedroom, two-bath house west of Metrozoo in a neighborhood called Kings Grant, just south of Country Walk. It was 1,600 square feet, wood-frame, on a builders half acre. We had paid $96,000 seven years before, and in a flat real estate market, it wasnt valued at much more than the day we closed.
My Allstate homeowner insurance policy cost me $475 a year. Like a lot of South Floridians, I didnt know much about what it did or didnt cover.
I spent that day and night at The Miami Herald, helping lead coverage of the approaching Hurricane Andrew. By dawn on Aug. 24, the storm had crushed much of South Miami-Dade. My neighborhood my house took a direct hit.
During the next few weeks, like roughly 180,000 others, I learned loads about insurance, construction, my South Florida neighbors, my family and myself. Twenty years later, Andrew is a pivot point in my life, and if you were here then, probably yours, too.
The Heralds coverage of the 20th anniversary of Andrew really started on June 3, just after the opening of the hurricane season, with a front page story that examined the tougher building codes put in place after Andrew exposed how low standards for construction and poor enforcement by inspectors led to destruction and disaster.
Those problems affected my home directly. My roof had been secured with staples, not nails, and my home was built with a roof design that enabled strong winds to act as a can opener, ripping the top of the house open to the storm. Neither roofing staples nor gable roofs are allowed today.
After Andrew, my Allstate policy covered the cost of rebuilding my home nearly $80,000 as well as the cost to rent an apartment for my family during the nine months we were displaced.
Twenty years after Andrew, Allstate is long gone from the South Florida homeowner insurance market. Insuring a home like the one I owned near Country Walk would cost at least $3,500 a year with a $10,000 deductible. And it could be rising hundreds or thousands of dollars more, depending on rate increases or reinspections, as we learn today from a series of stories that begins on Page 1 from Herald reporter Toluse Olorunnipa. That examination of Citizens performance and its future continues on Monday, followed by another installment on Sunday, Aug. 26.
Its only part of two weeks of coverage of Andrews impact on South Florida that you can read in our newspaper, on MiamiHerald.com and hear and view in reports done in conjunction with the WLRN-Miami Herald News team on WLRN 91.3 FM and our news partners at WFOR-CBS 4:
• On Monday, Part 2 of the series on Citizens will focus on how the state-backed property insurer has advanced an agenda of higher insurance rates and reduced coverage, with little direction from Floridas Legislature.
• On Aug. 19, The Miami Herald and MiamiHerald.com take a deep look at Andrews impact through the experiences of people who span the spectrum of South Florida life. Written by environmental reporter Curtis Morgan, these accounts from the storm take you back to that chaotic night and the difficult days that followed. Well include photo galleries of Andrews impact, then and now.
Also that Sunday, at 6:30 p.m., our news partners at CBS 4 will air a 30-minute special called Remembering Hurricane Andrew: 20 Years, anchored by Eliott Rodriguez and Shannon Hori. Among other aspects of its coverage, CBS 4 will feature unforgettable video from the storm, and interviews with Miami Herald photographers who covered it.