Coastal insurance reform

The average cost to insure a home in Mobile and Baldwin Counties is eleventy billion dollars, if you can find an insurer.  Central and North Alabama are facing the same types of issues in the wake of the recent devastating tornadoes, so this is about more than ‘coastal insurance reform’.  Insurance reform may get addressed in a special session of the legislature, if not, it will certainly be a top issue in the next legislative session.

Governor Dr. Robert Bentley just named the members of the Affordable Homeowners Insurance Commission, led by Baldwin County Probate Judge Tim Russell (R).  Huntsville is represented on the commission by Wayne Parker and State Farm agent Joe Demos.  Some interesting appointments include K. Carl Smith (The conservativeMessenger) and Michelle Kurtz (Homeowners’ Hurricane Insurance Initiative).  State Senator Ben Brooks (R – Mobile), State Representative Mike Hill (R – Columbiana), and State Representative Steve McMillan (R – Gulf Shores) are on the commission – presumably to sponsor legislation incorporating the results of the Commission’s efforts.

I spoke with Representative McMillan last week after his fishing trip and he said that insurance reform was his top legislative priority.  The GOP legislature passed a couple of bills this year to ”create a tax deduction for strengthening homes against hurricanes and tornadoes, set up an Insurance Department trust fund for retrofitting homes, and require that insurers publicly disclose information when they ask regulators for rate changes.”

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Cheers Y’all

The Nook is hosting a tasting event for Lazy Magnolia Brewing Company Monday at 6PM.

The Nook is at 3305 Bob Wallace Avenue (just west of Bob Wallace and Triana) and they have the best selection of beer in Huntsville. 

The owner of Lazy Magnolia will be there, and she’ll be telling people all about her products. If you buy a Southern Pecan Ale plus Another Beer, you’ll get a free Lazy Magnolia glass.  BTW, Emeril serves Lazy Magnolia at his Gulf Coast Fish House, it is that good.

Southern Pecan Nut Brown Ale is the first beer in the world, to our knowledge, made with whole roasted pecans.  The pecans are used just like grain and provide a nutty characteristic and a delightful depth to the flavor profile. This beer is very lightly hopped to allow the malty, caramel, and nutty flavors shine through.  The color is dark mahogany.

Free the Hops will be there, promoting CHANGE! in Alabama’s beer laws and signing up members for their special interest group lobbying organization. Now, if only the Legislative Forum served beer…

Politics goes so good with beer – The Pixies

You got chocolate in my… Beer

Boston Beer Company announced that Sam Adams Chocolate Bock beer is back, made with Grand Cru Sauvage Swiss chocolate:

…a highly-regarded and rare dark chocolate made from the uncultivated wild Bolivian cacao beans sourced from the dense rainforests located in the small town of Baures, Bolivia. For centuries, this wild cacao has been considered the best in the world. This wild cocoa displays a rich, dark, exotic flavor with notes of honey, vanilla and dried fruits. Brewing Samuel Adams Chocolate Bock with Cru Sauvage cacao nips creates a dark, decadent beer with a big, malty character, complex full-body taste and velvety finish…

Just in time for holiday sipping and gift-giving, this new brew will be available nationwide in early November in select off premise accounts for a suggested retail price of $14.99. Packaged in an attractive 750 ml amber bottle with a festively embossed pewter label, Samuel Adams Chocolate Bock is unlike any offering on shelves today.

$15 each!   Just think of the sales taxes and alcohol taxes Alabama could make on that beer – if it could be sold here.  The beer is 5.6% Alcohol by Volume (ABV), so by alcohol content it is legal in Alabama.  The problem is that the beer is sold in a bottle the size of a wine bottle.  You can buy a smaller bottle of beer or you can buy a keg of beer, you just can’t buy a wine-bottle sized beer.  However, you can buy a wine-bottle sized bottle of wine with 12% ABV.  AARGH!

Reform Alabama’s Beer Laws – Free the Hops!