Rick Scott GOP

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February 21, 2012

Legislators in Tall. afraid to raise rates on Citizens Home Insurance even though it is so necessary.

Posted by homeinsuranceguru under Auto Insurance, Citizens Insurance, FEMA, Flood Insurance, Florida, Fort Lauderdale, Governor, Governor Rick Scott, Home Owners Insurance, Legislators, Rick Scott GOP, Tallahassee | Tags: , , , , , , , , , , , |
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They are billions short if a Hurricane hits this year  and some of the Congressman are finally starting to say, ” we should not be waiting for the Hurricane to hit”. The Insurance  bills are in both the Florida House and Senate, but both have not made it to the floor for even  a vote. Even though Governor Rick Scott has requested this personally, his own party will not oblidge him. Why is this, well the answer is easy. Who wants to vote for huge rate hikes on an election year!!!!!!!!!!!!  They all know we need it and it should happen now, but this will wait till next year for sure. Till then, Citizens will do all it can on a non Lgislative end to try and convince  other’s to simply leave or do not come to Citizens when other options exist. At L & S Insurance in Fort lauderdale we handle all types of Insurance for all of Florida for Home, Auto, Flood, Business & Commercial, and even Life Insurance as well. Please read the full article to see how bad Citizens really is and then call us for help.

http://www.insurancejournal.com/news/southeast/2012/02/21/236301.htm

 

February 17, 2012

Citizens Insurance Inspections in Fort Lauderdale and all of Florida.

Posted by homeinsuranceguru under Auto Insurance, Citizens Insurance, Flood Insurance, Florida, Fort Lauderdale, Governor, Governor Rick Scott, Home Owners Insurance, Insurance commissioner, Julie Patel, OIR, Rick Scott GOP, Sun Sentinal | Tags: , , , , , , , , , , , , , , , |
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I have talked about this for quite some time and now a  lawsuit is looking to become a class action suit. I think this is just for the Lawyers because any Insurance company can inspect a home any time they want as long as they call in advance and set it up. I know the Inspection companies work for  Citizens Insurance and they are on the lazy side when it comes to doing the corrct job, but the real issue is with the departmant that  keeps changing the Mitigation Inspection forms we all use. These forms are always said to be good for 5 years, but they are changed every 2 years and most recently again  on 2/1/2012.The forms are drafted at the Office of Insurance Regulation(OIR) or w/ the Insurance commissioner’s office and the Insurance companies simply start to require the new form that was created. They are within their rights to do so and anyone would do it if they could make more money in business. Citizens cannot become the Insurer of last resort again as Governor Rick Scott wants, if the rates are the lowest in the Industry. Every carrier is now doing their own inspections of one type or another and they are following the laws for our State. The lawsuit should be against the State for totally screwing up the entire Insurance industry because they do not know how to fix it.Oh I forgot, you cannot sue them as they are above the Law, why is that. Please read the full article by Paul Owers & Julie Patel of the Fort lauderdale Sun Sentinal.Please call L & S INsurance for all of your Home, Auto, Business & Commercial, Flood, and even Life Insurance.

http://weblogs.sun-sentinel.com/business/realestate/housekeys/blog/2012/02/suit_citizens_insurance_took_a_1.html

 

February 16, 2012

Citizens Insurance and Fort Lauderdale Singer who is a client of L and S Insurance.

Posted by homeinsuranceguru under Auto Insurance, Citizens Insurance, Flood Insurance, Florida, Fort Lauderdale, Governor, Governor Rick Scott, Home Owners Insurance, Julie Patel, Rick Scott GOP, Sun Sentinal | Tags: , , , , , , , , , , , , , |
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Thanks to Paul Owers and Julie Patel of the Fort Lauderdale Sun Sentinal for posting this song. I spoke to this client a few days ago, but when he told me he wrote a song, I said good luck with it. Now my apologies go to Mr. Roth as I should have asked to hear it first. Now he is a U-Tube hit and Citizens Insurance w/ Governor Rick Scott are shown to let us all know how much they really care for agents and all Floridians alike. Please listen to the song and please call L & S for all of your Home, Auto, Flood, Business & Commercial, and even Life Insurance quotes.

http://weblogs.sun-sentinel.com/business/realestate/housekeys/blog/2012/02/oakland_park_singer_slams_citi.html

 

February 9, 2012

PIP reform and the Florida Insurance Commissioner Kevin McCarty

Posted by homeinsuranceguru under Auto Insurance, Flood Insurance, Tallahassee, Legislators, Fraud, CFO, Rick Scott GOP, Governor, Governor Rick Scott, Florida, Fort Lauderdale | Tags: , , , , , , , , , , |
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Kevin McCarty, Governor Rick Scott and CFO Jeff Atwater all want this to happen. They will not endorse a House or Senate bill yet, but the 2 versions are ready for debate and very differant from each other. The one thing that does hold true is that everyone feels reform is not only necessary, but it will happen in this session.If we do nothing car Insurance rates in Fort Lauderdale, and all over Florida will be much higher and will continue to rise because of all the Fraud. No Legislator in Tallahasee wants this to happen so a bill will come out of this, but no one knows which one. The Senate version is favored by the Lawyers and Chiropractors and the House version is not so you can make up your own mind as If I could  convince you otherwise. Please call L & S Insurance for all of your Home, Auto,CarInsurance, Flood,Business & Commercial and even Life Insurance as well. Please read the full article below;

http://www.insurancejournal.com/news/southeast/2012/02/09/234810.htm

 

 

February 8, 2012

Surplus lines bill now cleares the House of Rep. in Tallahassee

Posted by homeinsuranceguru under Auto Insurance, Citizens Insurance, FEMA, Florida, Fort Lauderdale, Governor, Governor Rick Scott, Home Owners Insurance, Rick Scott GOP, Sun Sentinal, Tallahassee | Tags: , , , , , , , , , , , , , |
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Many do not like this because the carriers are not backed by the FIGA fund and would not  be protected if a Hurricane hits Fort Laud. or anywhere in Florida and  went out of business. Just imagine the legal issues the State of Florida would have, but our Governor Rick Scott wants to depopulate Citizens Insurance any way he can. Please read the article from the Fort Lauderdale Sun Sentinal.Please call L & S for all of your Home, Auto, Business & Commercial, Flood and even Life Insurance quotes.

http://weblogs.sun-sentinel.com/business/realestate/housekeys/blog/2012/02/house_takes_step_to_shrink_cit.html

 

January 26, 2012

PIP Fraud and the Consumer Action Network.

Posted by homeinsuranceguru under Auto Insurance, Flood Insurance, Florida, Fort Lauderdale, Governor, Governor Rick Scott, Home Owners Insurance, Insurance commissioner, Julie Patel, Legislators, Rick Scott GOP, Sun Sentinal, Tallahassee | Tags: , , , , , , , , , , , , , , |
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In a good article by Julie Patel of the Fort Lauderdale Sun Sentinal, the bill that is now in the Senate version is also being slammed by the CAN.They say that a Primary MD is excluded from the bill which puts the onus on the  ER Md’s and going to the ER is already crazy and takes hours. This could also shift the cost of care from the Autopolicy to the Health Insurance policy which will benefit the Auto  Insurance carriers and their profits.This will be interesting to see the final bill if the Legislators in Tallahassee can actually agree on doing something this session. PIP Fraud is real and is a huge problem, but Tallahassee and the Insurance commissioner have dodged this bullet for many years. Governor Rick Scott wants change and I think we all agree that change is a must, so we shall see. Please read both articles below and please call L & S Insurance for all of your Home, Auto, Flood, Business & Commercial, and even Life Insurance policies.

http://weblogs.sun-sentinel.com/business/realestate/housekeys/blog/2012/01/consumer_group_slams_proposed_1.html

http://www.sun-sentinel.com/business/os-pip-governor-20120126,0,3388335.story

 

January 18, 2012

Citizens Insurance in Fort Lauderdale and Florida wants out!

Posted by homeinsuranceguru under Auto Insurance, CFO, Citizens Insurance, Flood Insurance, Florida, Fort Lauderdale, Governor, Governor Rick Scott, Home Owners Insurance, Hurricane Updates, Rick Scott GOP, Tallahassee | Tags: , , , , , , , , , , , , , , , |
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How do you like being w/ an Insurer who says go away, I do not want you anymore. This is like a bad Girlfriend and will hurt. My prior posts will explain what Citizens is trying to do until Legislative change occurs in 2012. By order of  Governor Rick Scott and CFO Jeff Atwater, Citizens is doing everything they can to make your experience a bad one and to raise prices as well and any way they can including new Mitigation  Inspections to raise additional premiums. Private Insurer’s need to come back to the marketplace and depopulations will need to get back into high gear to make this happen. Citizens has nearly 1.5 Million policy holders and they want this reduced by 50% or more soon. Hurricane season is just around the corner so the activity is hot and heavy while the Legislators in Tallahassee & are in session to make this happen and quickly. Please call L & S Insurance for all of your Home, Auto, Flood, Business & Commercial, and even Life Insurance coverage.

http://www.insurancejournal.com/news/southeast/2012/01/18/231560.htm

 

January 3, 2012

Which company is selling Home Insurance in Fort Laud. and S. Florida?

Posted by homeinsuranceguru under Auto Insurance, Citizens Insurance, Flood Insurance, Florida, Fort Lauderdale, Governor, Governor Rick Scott, Home Owners Insurance, Julie Patel, Legislators, Rick Scott GOP, Sun Sentinal, Tallahassee | Tags: , , , , , , , , |
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The following article by Julie Patel of the Fort Laud. Sun Sentinal  let’s you know who and how many policies they have sold. Obviously, you can see why there is such a problem w/ Citizens Insurance. It is this information w/ other info that tells the Legislators in Tallahasseee and Governor Rick Scott that Citizens must shrink still.The way to shrink is the real issue.  The good news is that L & S represents most of these carriers and can help you get the most competitive quotes for your home. Please also call L & S for Auto, Flood, Business and Commercial coverage as well as Life Insurance too.

http://weblogs.sun-sentinel.com/business/realestate/housekeys/blog/

 

December 19, 2011

Citizens Home Insurance board approves reduction plan!

Posted by homeinsuranceguru under Auto Insurance, Citizens Insurance, FEMA, Flood Insurance, Florida, Fort Lauderdale, Governor, Governor Rick Scott, Home Owners Insurance, Rick Scott GOP | Tags: , , , , , , , , , , |
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No surprises here.Citizens does not want 1/2 of it’s population in Fort Lauderdale or anywhere in Florida, so they  will now try to get you to move your policy.This is what Governor Rick Scott wants and it is starting to happen. We have already discussed all the things they will do and try to do legislatively still later in 2012 and beyond. Coverage’s will be reduced or taken away and the prices will continue to increase. The surcharge(up to 45%) is still looming  and could be imposed at anytime. Now you will have to sign something that says you are aware of this. Please read the full article or see  some past posts with all of the details. Please call L & S Insurance for all of your Home, Auto, Flood, Business & Commercial and even Life Insurance quotes.

http://www.insurancejournal.com/news/southeast/2011/12/19/228071.htm

 

December 9, 2011

Surplus lines could soon depopulate Citizens Home Insurance.

Posted by homeinsuranceguru under Auto Insurance, Citizens Insurance, Florida, Fort Lauderdale, Governor, Governor Rick Scott, Home Owners Insurance, Legislators, Rick Scott GOP, Senator garrett Richter, Senator J.D. Alexander, Tallahassee | Tags: , , , , , , , , , , |
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GeoVera is the company that wants 50K policies and it looks like if they meet certain guidelines by the State of Florida this will happen. 50K is not enough, but that will open the door for mare carriers to do the same. The protection does not come from the State of Florida and people will not have a choice to go back to Citizens either.The prices may even be higher, but Citizens does not seem to care so this could happen soon. This would be another Non legislative way for Citizens to get rid of clients as fast as they can. Legislators will never vote to do what  is needed because they want to get re-elected and they  are very shortsighted, but I am with the Governor on this one. Anything to make Citizens a non competitive company w/ prices and coverage’s that are not something anyone would want unless they truly have no options. Please enjoy the entire article and please call L & S Insurance for all of your Home, Auto, Flood, Business & Commercial and even LIfe Insurance policies for Fort Lauderdal and all of Florida.

http://www.insurancejournal.com/news/southeast/2011/12/09/226836.htm

 

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