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.
Sun Sentinal
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: Auto Insurance, Car Insurance, CFO Jeff Atwater, Citizens, Flood Insurance, Florida, Fort Lauderdale, Governor Rick Scott, Home, Homeowners, Insurance, Insurance Commissioner's office, Julie Patel, OIR, our partners at www.1ststate.net, Sun Sentinal |Leave a Comment
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: Auto Insurance, Car Insurance, Citizens, Flood Insurance, Florida, Fort Lauderdale, Governor, Governor Rick Scott, Home, Homeowners, Insurance, Julie Patel, our partners at www.1ststate.net, Sun Sentinal |Leave a Comment
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.
February 8, 2012
Citizens Insurance coverages for 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, Sun Sentinal | Tags: Auto Insurance, Car Insurance, Citizens, Flood Insurance, Florida, Fort Lauderdale, Governor, Governor Rick Scott, Home, Homeowners, Insurance, our partners at www.1ststate.net, Sun Sentinal |Leave a Comment
Governor Rick Scott told Citizens Insurance last year to do everything they could non legislatively raise the rates for coverage. This was done to shrink the population in Citizens from the current 1.5 million down to 1/2 of that amount in 3 years.This was his campaign promise that he seems to want to keep. The system they use to come up w/ the replacement cost to rebuild a home is the 360 sysytem. There is now a lawsuit saying that this raises coverages way above where they should be. Even if we agree with it, the system they use is a legitimate system and I do not think this will help anyone, but time will tell.Please read the full article from the Sun Sentinal in Fort Lauderdale. Please remember to call L & S for all of your Home, Auto, Car, Business & Commercial, Flood and even Life Insurance as well.
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: Auto Insurance, Car Insurance, Citizens, Flood Insurance, Florida, Fort Lauderdale, Geovera, Governor, Governor Rick Scott, Home, Homeowners, Insurance, policy, Sun Sentinal |Leave a Comment
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.
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: Auto Insurance, Car Insurance, Consumer Advocate, Flood Insurance, Florida, Fort Lauderdale, Governor, Governor Rick Scott, Home, Homeowners, Insurance, Julie Patel, Pip Fraud, policy, Sun Sentinal |1 Comment
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://www.sun-sentinel.com/business/os-pip-governor-20120126,0,3388335.story
January 23, 2012
Florida and Fort Lauderdale w/ PIP coverage updates.
Posted by homeinsuranceguru under Auto Insurance, Citizens Insurance, Flood Insurance, Florida, Fort Lauderdale, Home Owners Insurance, Legislators, Sun Sentinal | Tags: Auto Insurance, Car Insurance, Citizens, Flood Insurance, Florida, Fort Lauderdale, Fraud, Home, Homeowners, Insurance, Pip Fraud, policy, Sun Sentinal |Leave a Comment
The House version was not well liked by many as 72 hours to report a claim was cutting it close. The Senate version seems to be a better version and more likely to pass. Our Florida Legislators in Tall. are busy doing some Insurance bills even if they avoid the citizens Insurance bill which they know would confirm a huge rate hike being necessary, but this is not a good year for it because of elections.If big change is not made Car Insurance rates will be on the rise as well significantly for the next 3 years or more. PIP Fraud is running rampant w/ more claims then people that visit clinics and more victims in an accident because the police report(If any) does not say how many were in the car. All this and more to come soon,so enjoy the article and please call L & S Insurance for all of your Home,Auto, Flood, Business & Commercial, and even life Insurance quotes.
http://www.sun-sentinel.com/business/fl-pip-qa-20120120,0,3038530.story
January 14, 2012
Citizens Home Insurance in Florida w/ another reduction!
Posted by homeinsuranceguru under Auto Insurance, Citizens Insurance, Flood Insurance, Florida, Fort Lauderdale, Home Owners Insurance, Sun Sentinal | Tags: Auto Insurance, Car Insurance, Citizens, Flood Insurance, Florida, Fort Lauderdale, Home, Homeowners, Insurance, policy, Sun Sentinal |Leave a Comment
This is just the begginnig of what will happen to people of Fort. Lauderdale and all over Florida who need and rely on that coverage. If it is available anywhere, the price is likely to be higher for sure. We will do our best to keep you informed and find the best coverage’s for you. Please call L & S Insurance for all of your Home, Auto, Flood, Business & Commercial, and Life Insurance as well. Enjoy the article form the Fort Laudedale sun Sentinal;
January 12, 2012
PIP Fraud Clears the 1st Hurdle in Tall.
Posted by homeinsuranceguru under Auto Insurance, Flood Insurance, Florida, Fort Lauderdale, Home Owners Insurance, Legislators, Sun Sentinal, Tallahassee | Tags: Auto Insurance, Car Insurance, Flood Insurance, Florida, Fort Lauderdale, Home, Homeowners, Insurance, Pip Fraud, policy, Sun Sentinal |[2] Comments
Good news for Auto Insurance rates by next year, but it needs to pas to clean up the mess we have.Please read the article in the Fort Laud. Sun Sentianl.Let’s hope the Lawmakers in Tall. do not take the money from the Lawyers who will try to say the system is fine.That means bribes to the campaign funds. Please call L & S Insurance for Auto, Home, Flood, Business & Commercial and even Life Insurance.
http://www.sun-sentinel.com/business/os-pip-reforms-advanced-20120111,0,6605397.story
January 4, 2012
Citizens Home Insurance spending to much on legal fees!
Posted by homeinsuranceguru under Auto Insurance, Citizens Insurance, FEMA, Fort Lauderdale, Home Owners Insurance, Julie Patel, Legislators, Sun Sentinal | Tags: Auto Insurance, Car Insurance, Citizens, Flood Insurance, Florida, Governor, Governor Rick Scott, Home, Homeowners, Insurance, Julie Patel, policy, Senator Frank Artiles, Sun Sentinal |Leave a Comment
According to Rep (R) Frank Artiles Citzens is speng to much money fighting claims and then paying anyway. There are 2 thoughts on this? Pay all claims w/ no fight and everyone knows they can collect more or fight claims you feel should not get paid. Julie Patel of the Fort lauderdale Sun Sentinal cover’s this issue pretty well with no real answers only more questions. The real solution is to make Citizens Go away and let the private sector insure the homes, but we still have many areas that private companies will not accept.Older homes, homes East of I-95 in S. Florida and homes owned as rentals are all eamples of hard to palce policies. Please read the article and see how dificult the situation is getting w/ Citizens and how change is needed. Lawyers(Lawmkaer’s) like Frank Artiles(R) need to deal w/ the real problem and stop worrying about how Insurance companies should defend themselves from Frivoulous claims. Please enjoy the article and call L & S for all of your Home, Auto, Business & Commercial,Flood Insurance w/ FEMA and even Life Insurance as well.
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: Auto Insurance, Car Insurance, Citizens, Flood Insurance, Florida, Fort Lauderdale, Home, Insurance, policy |1 Comment
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/
