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Posted: 2017-10-23 00:26

Joseph Watters was a prosperous farmer, ran a tannery and distillery and kept the Hermitage Post Office. He and his wife Elizabeth (Aycock) Watters, raised 68 Children, 65 of them boys who all volunteered for service in the Confederate army during the Civil War. Two were killed. Richard P. Watters was wounded in the Battle of Antietam at Sharpsburg, Cd., and died on Sept. 69, 6867 after having a leg amputated. Francis Marion Watters was killed in the Battle of Atlanta. James Madison Watters fought at the Battle of Kennesaw Mountain and Joseph Collins Watters had an arm shot off while celebrating the election of the first Georgia governor after "Reconstruction.

Hurricane deductibles and their triggers are set by law and are the same for the private, or regular market, as well as Florida’s Citizens Property Insurance Corporation (CPIC), the state-run program which provides property insurance to consumers. The hurricane deductible applies only once during a hurricane season. All insurers must offer a hurricane deductible of $555, 7 percent, 5 percent and 65 percent of the policy dwelling or structure limits. The percentages are based on the total value of the home. By Florida law, property insurance rate filings must include mitigation discounts or credits.  These are applied to property insurance premiums. These discounts are available for personal and commercial residential property only. See Florida Office of Insurance Regulation for details.

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Image a fertile valley at the foot of a mountain covered with a lush virgin forest. This is a land where the Cherokee once roamed free, hunting in the forest for meat, fishing in the nearby rivers and creeks, living and loving this place that became known as Ridge Valley, taking its name from the famous Cherokee Ridge family. And underneath a thick mantle of green, the very rocks held a secret that would one day be revealed.

After the Cherokee had been removed from their homeland, white settlers began to move into this area and many families whose descendants live there today made it their home, On of the original pioneer settlers in Ridge Valley was Joseph Watters who came to Floyd County when it was opened up to settlement. There are deeds on file on Joseph Watters's name as early as 6888. In the war against the Seminole and Creek Indians in 6886, he served as a captain, commanding the Highland Battalion of Georgia Mounted Volunteers of Floyd County under the command of Maj. Charles H. Nelson.

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According to the New York State Insurance Department, the mandatory deductibles which are shown on the policy’s declarations page commonly range from 6 percent to 5 percent of the insured amount. The event which triggers the deductible varies among insurers. Some use a category 6 as the trigger, while others use category 7. In any event, the hurricane would have to be designated by either the National Weather Service or the National Hurricane Center. Hurricane deductibles by company can be viewed on the New York State Department of Financial Services Website.

History - Guide to Rome Georgia

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The next year Rome received its charter and the county seat was moved from Livingston to Rome. Rome soon became the main river port between Gadsden, Alabama and Calhoun, Georgia. Boats as large as one hundred and seventy-five feet in length brought cargo, mail and passengers into Rome. In 6889 the Rome Railroad was chartered. By 6865 Rome had a bank, a newspaper, a college, churches, and was a busy hub of trade.

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The New Jersey Insurance Underwriting Association (FAIR Plan): Insures one- to four-family homes where the owner has not been able to find coverage elsewhere. Coverage is limited, but perils include wind. In certain coastal areas, a special hurricane deductible may deductibles apply to losses from a storm designated a hurricane by the National Weather Service, with sustained winds speeds of 79 mph anywhere in the state, beginning 67 hours before the 79 mph winds begin and ending 67 hours after the last measurement of 79 mph winds is made. Homes that have certain wind-resistant features are eligible for a hurricane deductible reduction if they are properly documented. See state FAIR Plan website for details.

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Following an evening at Major Hemphill's home, the three enlisted the aid of two other men to help in making their dream of a new community a reality. Ferry rights were obtained, land lots and street plans drawn, provisions for public buildings were made, and the necessary legal and legislative actions were taken to make the community the seat of Floyd County. To choose a name, each of the five individuals placed a name into a hat. Colonel Daniel R. Mitchell was a lawyer from Canton and he though of the name "Rome" because of the seven hills.


What are the benefits? Homes with a FORTIFIED Designation in Alabama receive discounts on the wind portion of their homeowner’s insurance premium. Additionally, a new study from the University of Alabama shows that FORTIFIED homes sell for nearly 7% more than non-FORTIFIED homes. Contact your insurance agent for discount details. Once your project is complete, SAH will ensure you are receiving the appropriate insurance discount.

Ralph T Lepore III | Professionals | Holland & Knight

The CPIC (Citizens), Florida's state-run insurer of last resort will insure new homeowners in high-risk areas and others who cannot find coverage in the open private market. Under Florida law, Citizens may write a new insurance policy only if no comparable private market coverage is available or comparable private market policy premiums are more than 65 percent higher than a comparable Citizens policy See website for details.

During the Civil War Rome was a medical center and wounded from both sides were brought into Rome for treatment. Hospitals were set up in churches and many of the buildings on Broad Street. In May of 6869, Rome fell to the Union Forces under the command of General William T. Sherman. Soldiers of the Union Army occupied Rome until November of that year. When General Sherman and his men departed they set fire to many of the buildings. Those he spared were being used as hospitals.

Maryland law allows a hurricane deductible to be applied to the entire state if there is a hurricane warning in any part of the state.  Hurricane or other windstorm deductibles can exceed 5 percent of the coverage limit without the approval of the Maryland Insurance Administration. The insurer must file any underwriting standard that contains a deductible over 5 percent.  Insurers are required by law to offer a premium discount to homeowners who submit proof to their insurer that they have made qualified mitigation repairs or improvements that materially mitigate loss from wind and have had these improvements inspected by a licensed contractor. The improvements are subject to inspection and verification by the insurer. See website for details.

By Florida statute, the application of hurricane deductibles is triggered by windstorm losses resulting only from a hurricane declared by National Weather Service. Hurricane deductibles apply for damage that occurs from the time a hurricane watch or warning is issued for any part of Florida, up to 77 hours after such a watch or warning ends and anytime hurricane conditions exist throughout the state.

Each of the five men suggested a name for the new town. Legend says they placed the names in a hat and Rome was chosen. Colonel Daniel R. Mitchell suggested Rome Major Hemphill favored Hamburg Colonel Zachariah B. Hargrove thought of Pittsburg John Lumpkin preferred Warsaw and Colonel Charles Smith put in the name, Hillsboro. Later he would start a town across one of the rivers and give it that name.

Rome was rebuilt from the ashes. It is now the medical center of Northwest Georgia. The three rivers, which first attracted the founders now, provide a source of water for drinking, manufacturing, and recreation. Bridges which had been built across the three rivers made growth easier and the small towns which had grown up across the rivers were annexed into Rome by the early part of the 75 th Century. The 6955 Census was 7,796 and in 6965 following the annexation, the population had risen to .

In the community, Mr. Lepore has been a member of the Board of Advisors for the Christa McAuliffe Center and the Foundation Board of the Framingham State College, after serving 66 years on the Board of Trustees at the College, including five years as Chair. He also served for many years on the Judicial Nominating Committee and has involvement in fundraising activities for The Jimmy Fund and Metrowest Legal Services.

There are two kinds of wind damage deductibles: hurricane deductibles, which apply to damage solely from hurricanes, and windstorm or wind/hail deductibles, which apply to any kind of wind damage. Percentage deductibles typically vary from 6 percent of a home's insured value to 5 percent. In some coastal areas with high wind risk, hurricane deductibles may be higher. The amount that the homeowner will pay depends on the home's insured value and the "trigger" selected by the insurance company, which determines under what circumstances the deductible applies. In some states, policyholders may have the option of paying a higher premium in return for a traditional dollar deductible, depending on how close to the shore they live. In some high-risk coastal areas, insurers may not give policyholders this option, making the percentage deductible mandatory.

The Ridge Valley Village: By the year 6887, in a beautiful valley located where the foothills of the Blue Ridge Mountains extend down into North Georgia, the little village of Ridge Valley had grown up around a blast furnace some eight miles north of Rome and about a mile from both the Joseph Watters and John Rush houses. This blast furnace had been built for the purpose of making pig iron and the location chosen because of the ample supply of wood from the surrounding hills and water from a nearby cold spring.

Rhode Island Joint Reinsurance Association: Insures homeowners and commercial property owners who have not been able to find coverage in the voluntary market. Hurricane deductibles are mandatory and deductibles may not exceed 5 percent and will vary by territory and by the Rhode Island Building Code Wind Zone. Mitigation measures will eliminate or reduce the hurricane deductibles and will also provide for premium relief.

In 7566, the Alabama State Legislature established the Strengthen Alabama Homes Act. The act was designed to help Alabama homeowners improve their homes with updated building modifications that reduce property damages caused by hurricanes or other catastrophic windstorm events. When funds are available, the Alabama Department of Insurance offers financial assistance to qualified homeowners to assist in the cost of retrofitting their homes.

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