Depopulation, raising rates and a Keep out program are in there and loud and clear. Citizens Rates for Home Insurance policies would now be based on the top 20 priced carriers and the rate would be averaged out. Diffrant rates would apply when no coverage is available. This with rate increases at much higher rates then the past  to make them Actuarily sound, will be in order by 1/1/2014. This will raise rates tremendously in Fort Lauderdale and all of S. Florida the most. Citizens Insurance  will also move some of the Reinsurance risk to the private reinsurer’s and pass that additional 3% increase to the consumer as well. This cannot bode well with the Realtors and Homeowner’s of Florida, but a fix is needed.Issues like poly pipes and other issues with older homes at this point is not even a topic of discussion. A House bill also passed the first round, but it does not cover as much and most of this bill is likely to get in. More to come as it happens, but stay tuned. Please enjoy the full article below and please call L & S at 1-888-244-7400 for quotes on Home, Auto, Flood, Business & Commercial coverage’s and Life Insurance products as well.