Using 350 Million from the reserves of Citizens over 10 years to Insurance companies. This will occur and once out, there should be no need to go back to Citizens. People will still be able to opt out and stay w/ Citizens. but there will be no reason to do that. The rates will be guaranteed to be no higher than Citizens would have been at the renewal. This is actually a good idea because money that will now be able to be used for the reserves on a 1 million policy company instead of a 1.5 million policy company. That reduction in policies will make the 6 billion in reserves currently a better fit if a Hurricane does hit and the reserves are needed. What will happen if a Hurricane hits this year or next, while the transition is occuring is not real clear to me yet, but time will tell. Please read the full article written by Paul Owers of the Fort Lauderdale Sun Sentinal and brought to us by our friends at First State Insurance. Please call L & S at 1-888-244-7400 for quotes on Home, Auto, Business & Commercial, Flood and even Life Insurance quotes as well.