If the fee is simply restructured, on the surface, you see no issues. The Insurance companies will be able to correct their balance sheets and allow reserves to be stronger which is good  for all of us and has some merit. However, to do this, the payment structures would be differant and the money would not be as easily accessable so  money would have to be borrowed each year to help cover short term shortfalls. This cost will be Millions of dollars each year and possibly 10’s of millions. This cost will also be passed to the consumer all to save the Insurance companies balance sheets. I already pay way to much for Home Insurance and I want my prices to go down, not up!! Please read the full article below to understand the process and it’s many complications. Please call L & S Insurance  at 1-888-244-7400 for quotes on Home, Auto, Business & Commercial, Flood and Life Insurance products as well.