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.