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

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

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

 

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.

http://www.sun-sentinel.com/news/florida/fl-citizens-faces-class-action-suit-20120207,0,5730378.story

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

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

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

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.

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

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