September 24, 2012

Citizens Home Insurance Depopulation now being challenged by State Rep Frank Artilles of Miami Dade.

Posted by homeinsuranceguru under American Integrity, Auto Insurance, Barry Gilway, Citizens Insurance, FEMA, Flood Insurance, Florida, Fort Lauderdale, Home Owners Insurance, Tower Hill Insurance | Tags: , , , , , , , , , , , , , , |
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I wondered when and who would do this and here we go. Just When Citizens is about to do what it must to reduce it’s size and exposure for all Floridians Miami Dade rep Frank Artilles wants to know why  a Few Insurance companies like American Integrity and The Tower Hill Group will be reciving about 180 million in tremendous loan deals to take the book. Rules were set up and any carrier that qualifies can do it, but does this put those carriers at risk to go under at the next hurricane and put all of the policies  back where they are now in Citizens which has happend before???  This will be reviewed By Insurance commissioner Kevin McCarty and CFO Jeff Atwater with the New Citizens director  Barry Gilway. I am sure this battle will get larger and more voices want to be heard before election time to get votes. Please enjoy the full article and please call L & S Insurance at 1-888-244-7400 for quotes on Home, Auto, Flood, Business & Commercial and Life Insurance quotes as well.

http://www.insurancejournal.com/news/southeast/2012/09/24/264061.htm

 

June 26, 2012

PIP reform starts 7/1/2012,will Fort Lauderdale and Florida save money??

Posted by homeinsuranceguru under Auto Insurance, CFO, Flood Insurance, Florida, Fort Lauderdale, Home Owners Insurance, Sun Sentinal, Tallahassee | Tags: , , , , , , , , , , , , , , |
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The new laws start 7/1, but will we really save money as was projected. I personally do not believe it will happen and our CFO Jeff Atwater in Tallahassee  says we will have to wait 12-24 months to see. There will be some changes that will definitely help reduce some fraud, but the changes were so minor and  Fraudulent people are very clever so my guess is not much will get better. To see real price reductions we need real change and this bill did not even come close by my perceptions.The deadline for rate reductions are 10/1/2012 and then not till 2014. The first date will probably be rejected by the Insurance companies because the bill just starts 7/1/2012 and no savings can be realized that quickly so in 2014 we will see. This article was sent to us by our friends at First State Insurance  w/ The Sun Sentinal  and please read all the details below. Please call L & S at  1-888-244-7400 for quotes on Auto and Car Insurance, Home, Flood, Business & Commercial, and even Life Insurance as well.

Thx,

http://www.sun-sentinel.com/business/fl-atwater-focusing-on-pip-reforms-20120624,0,6142131.story

 

March 14, 2012

Surplus lines bill rejected and will not help Citizens Insurance shrink in Fort Lauderdale and all over Florida!

Posted by homeinsuranceguru under Flood Insurance, Florida, Fort Lauderdale, Governor, Governor Christ, Governor Rick Scott, Home Owners Insurance, Julie Patel, Legislators, Rick Scott GOP, Sun Sentinal, Tallahassee | Tags: , , , , , , , , , , , , , , , , |
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Julie Patel and Paul Owers of the Fort Lauderdale Sun Sentinal confirm the news! It is not like this bill would really help shrink Citizens as only 1 carrier(Geovera) came up to the plate to take out 35-50K policies which is minimal numbers to the 1.5 million currently in Citizens today! What Governor Rick Scott, Insurance commissioner Kevin McCarty and CFO Jeff Atwater should be doing with the current Legislature is a new Citizens bill that did not make it to the floor last year and never even discussed this year. Why does this happen and there is only 1 answer, politics and votes. No one will vote to re-elect a Senator, Congressman,or Governor, when they vote to do what is necessary like raising rates on Citizens to be the Insurer of last resort again and that is how it should stay. Governor Christ changed that situation to be a competitive company  and until it changes back, the issues in Florida will not get resolved. Please contatc  L & S Insurance at 1-888-244-7400  for quotes on HOme, Auto, Car Insurance, Business and commercial, Flood, and even Life Insurance quotes. This article was sent to us by our Friends at First State Insurance. Please read the full article below.

http://weblogs.sun-sentinel.com/business/realestate/housekeys/blog/2012/03/lawmakers_kill_bill_to_shrink.html

 

 

March 12, 2012

PIP reform passed this weekend(03/09/12).

Posted by homeinsuranceguru under Auto Insurance, CFO, Flood Insurance, Florida, Fort Lauderdale, Governor, Governor Rick Scott, Home Owners Insurance, Insurance commissioner, Rick Scott GOP, Tallahassee | Tags: , , , , , , , , , , , , , , , |
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With all of the lobbying that was done and all of the agreements that had to be made, we will have to see if any real savings occurs in Fort Lauderdale and all over Florida. The hope is that it will reduce or eliminate Fraud and that will allow Car Insurance  rates to go down in time so time will tell. Governor Rick Scott w/ Lobbying from  Insurance Commissioner Kevin McCarty and CFO Jeff Atwater helped make this happen w/ the Senate Majority leader Mike Haradopolis also making it a priority. With a 1.4 Billion increase in claims since 2008 the changes were necessary and Chiropractors will now find it more dificult to get new patients from car accidents which is where a lot of  Fraud starts and many patients come from.Please call L & S Insurance  at 1-888-244-7400 for all of your quotes  for Home, Auto, Flood, Business & Commercial and even Life Insurance as well. Please read the full article  on the new bill below;

http://www.insurancejournal.com/news/southeast/2012/03/12/239022.htm

 

March 9, 2012

PIP Fraud likely to go to a special session.

Posted by homeinsuranceguru under Auto Insurance, CFO, FEMA, Flood Insurance, Florida, Fort Lauderdale, Governor, Governor Rick Scott, Legislators, Rick Scott GOP, Tallahassee | Tags: , , , , , , , , , , , , |
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Governor Rick Scott, Insurance Commissioner Kevin McCarty and CFO Jeff Atwater are all opposed to the Senate bill as it does not cut out the Fraud and was likely written by all of the Special Interest Groups. The House bill  is to strickt  and would crowd the ER’s and Hospitals so a a happy ending we do not have. A special session is likely to see how all of us in Fort lauderdale and all over Florida will finally be affected. If the Fraud continues, we will have even higher prices on Car Insurance because of the Fraud as the Insurance carrriers will be forced to increase rates.The carriers have been holding off waiting for anew bill that seems unlikley to come because the Legislators in Tallahassee cannot come to a compromise and work together as usual. Please call L & S Insurance at 1-888-244-7400 for all of your quotes for Home, Auto, Business & Commercial coverage’s, Flood and Life Insurance as well. Please read the full article below;

http://www.insurancejournal.com/news/southeast/2012/03/09/238875.htm

http://www.insurancejournal.com/news/southeast/2012/03/08/238784.htm

 

March 5, 2012

Citizens Insurance complaints are bad in Fort Lauderdale and all of Florida.

Posted by homeinsuranceguru under Auto Insurance, CFO, Citizens Insurance, FEMA, Flood Insurance, Florida, Fort Lauderdale, Governor, Governor Rick Scott, Home Owners Insurance, Legislators, Senator Fasano, Sun Sentinal, Tallahassee | Tags: , , , , , , , , , , , , , , |
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Governor Rick Scott has made several changes to acccomplish his goal of reducing Citizens by 50% in the next 3 years. Since he does not have the ability to do it Legislatively this year, it is happening w/ the Citizens board. CFO Jeff Atwater and Insurance Commissioner Kevin McCarty are all behind the Governor, but with an election year upon us, the Governor does not have any pull even within his own party. Senator Mike Fasano also wants what the Governor wants, but it should  not affect his people on the West Coast so he wants the process slowed for this year at least.This will make him look good during the elections.The Citizens assesments are still looming out there and could cost the average consumer about $1100 extra and most do not understand why or how this will affect them. Please read the full article brought to us by The Sun Sentinal and sent to me by our friends at First State Insurance. Please call L & S Insurance at 1-888-244-7400 to get a quote on Home, Auto, Flood, Business & Commercial and even Life Insurance quotes.

http://www.sun-sentinel.com/fl-citizens-insurance-complaints-20120226,0,6257077.story

 

February 21, 2012

PIP Fraud arrests in Fort Lauderdale and Palm Beach

Posted by homeinsuranceguru under Auto Insurance, CFO, Flood Insurance, Florida, Fort Lauderdale, Fraud, Home Owners Insurance, Tallahassee | Tags: , , , , , , , , , , , , |
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Great reading and all of the people involved who have been Fraudulent. If you know anything about this, please contact the authorities and CFO Jeff Atwater’s office in Tallahassee. Please call   L & S Insurance(888-244-7400) for all of your Auto, Home, Flood, Business & COmmercial, and Life Insurance as well. monthly PIP fraud news letter from your partners at www.1ststate.net

http://www.myfloridacfo.com/fraud/Newsletters/PIPSource/PIPSource_Feb2012.pdf

 

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(888-244-7400) 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 9, 2012

PIP reform and the Florida Insurance Commissioner Kevin McCarty

Posted by homeinsuranceguru under Auto Insurance, CFO, Flood Insurance, Florida, Fort Lauderdale, Fraud, Governor, Governor Rick Scott, Legislators, Rick Scott GOP, Tallahassee | Tags: , , , , , , , , , , |
1 Comment 

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

 

 

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

 

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