the push by Jeff Atwater is in serious jeopardy. That’s because insurers, such as State Farm Florida, are only willing to accept the added protections if they come with other changes that could help keep their costs down.

The bill would create a “homeowner claims bill of rights” that requires insurers to spell out to homeowners what they can expect when they file a claim.

The legislation also would prohibit insurance companies from using credit information to deny a claim or cancel a policy if the policy has been in effect for more than 90 days. This provision came out of a dispute between regulators and one of Florida’s largest insurance companies.

Atwater said that the Legislature has given consumers specific rights over the years, “but consumers don’t have a bookshelf at home with these statutes. They are not conversant in this.”

But some insurers want a separate provision that would place limits on when a homeowner can sign over to a contractor the right to collect payments directly from an insurance company. They contend that this is a looming problem and that some companies hired to fix roofs and repair water damage have inflated the costs. Without the change the fear it is could drive up homeowner insurance rates once again.

Atwater initially backed this provision and said there are places where it is being abused. But the provision has drawn opposition from contractors and earlier this month a Senate panel voted to strip it out of the bill (SB 708).

Please call L & S Insurance at 1-888-244-7400 for quotes on Home, Flood, Auto, Business & Commercial and Life & Financial products as well. Please enjoy the full article below;



In response to Jeff Atwater the CFO of Florida, Kevin McCarty has finally decided to help Floridians and the Real estate market in General. Several Months ago I blogged about this issue raised by The CFO and now we finally have some positive answers. I have already seen some carriers reducing rates for the Spring so good things to look forward to as long as Hurricanes like Andrew, Katrina, Wilma & Sandi do not find their way to Florida. Please enjoy the full article below from the Insurance Journal. Please call L & S Insurance at 1-888-244-7400 for quotes on Home, Auto, Flood, Business & Commercial, and life Insurance products as well.

Reinsurance prices have dropped this year, but we are not seeing any relief with price decreases yet on Home Insurance, and our CFO is finally asking the question why. This has taken a while as prices are way above where they were after Hurricane Wilma and things have improved since then in many ways! The reason is simple!! No one has made them lower rates. They are following the requests of our Governor Rick Scott when he came into office saying the Insurance companies need to get fiscally healthy, but not many knew what that meant. Let’s see how this pans out as The people of Fort Lauderdale, and all of S. Florida need a rate hike break as it is killing the Real estate market as well. So many are struggling with budgets and Foreclosures are still everywhere so why does the Insurance rates have to be so high. I like the pressure from the CFO and it is long overdue! Please call L & S Insurance at 1-888-244-7400 for quotes on Home, Auto, Flood, Business & Commercial, and Life Insurance products as well. Please enjoy the full article below!

Many questions and many more answers that still lead to more questions. The one real question is our system is so bad and controlled by Tall. that no one knows where to begin. I still affirm that you cannot deal with one problem, the system needs major overhauling. This is not liklely tgo happen anytime soon, so those of us in Fort lauderdale, S. Florida and just paying to much for Insurance, there is still no relief in sight with this Governor!!!! Please read the full article below and please call L & S at 1-888-244-7400 for quotes on Home, Auto, Flood, Business & COmmercial and Life Insurance products as well.

You cannot distance yourselves from things they track and all politicians like to play Politics. Now the Democrats led by Charlie Christ(Former Republican Governor) is helping to uncover some deals that many say are shady within the Republican Party and are done for political gain. The Investigation will go into next year and who knows what they find, but the deal is done and Heritage will assume an additional 60K policies from Citizens and be paid for them. They will have to pay claims on them, but the ones they take are claim freee at that time so the risk is a good one for Heritage Insurance. What does this mean for Fort Lauderdale and S. Florida is not much. This is Politics in Tall. at their best trying to catch each other doing things instead of just trying to help. Please let L & S help you by call us at 1-888-244-7400 for quotes on Home, Auto, Flood, Business & Commercial, and Life Insurance as well. Please enjoy the full article below as well;

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.

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.


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.


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;

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;


Get every new post delivered to your Inbox.

Join 42 other followers