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Citizens Property Insurance Corporation’s Board of Governors on Wednesday approved a slate of policy changes to bolster oversight of water loss claims while continuing to protect policyholders who need immediate emergency repair to water loss claims, according to a statement from the state-backed insurer. The move was in response to what the company calls “skyrocketing” water loss claims, particularly in South Florida.

By unanimous vote, Citizens board agreed to modify policy language in response to a surge of questionable water loss claims by limiting initial payouts for emergency services and clarifying ambiguous policy language relating to coverages typically affected by water loss claims. The recommended changes will be forwarded to the Florida Office of Insurance Regulation for approval.

The recommended changes are the first steps, board members were told, to better control costs without jeopardizing customer service following a spike in the frequency, severity and litigation of water claims particularly in South Florida, which last year accounted for 72 percent of all water loss claims. Recent data shows that the claim activity is spreading to other regions of the state, according to Citizens.

The board action comes as lawmakers continue discussions to create a framework governing the use of post-loss assignment of benefits to ensure that customers remain in control of their own claims. Citizens’ contract changes would complement these legislative initiatives, the insurer said.

“The bottom line is these policy changes and clarifications are necessary first steps to keep premiums as low as possible while protecting our policyholders who have legitimate claims,” said Barry Gilway, Citizens president, CEO and executive director. “However, they in no way fix the assignment of benefits cost-driver that must be addressed by statute.”

“Without these changes, Citizens would be forced either to take more draconian measures to curb costs or continue to raise rates,” Gilway continued.

Citizens said water loss claims now account for more than half of every premium dollar collected in Miami-Dade County. The issue, though concentrated in South Florida, appears to be spreading throughout the state.

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A common theme found in our most recent blog posts pertains to a property owners’ post-loss obligations under an insurance policy.  Likewise, we have discussed and advised that failure to comply with these policy conditions may prejudice an insured’s claim and even result in a coverage denial.  This week we will be discussing another post-loss obligation imposed on an insured referred to as an Examination Under Oath, or “EUO.”  No, this type of examination does not involve needles, but it does involve some poking and prodding (i.e., questioning) by the insurance company

Please enjoy the full article below. Please call L & S Insurance at 1-888-244-7400 for quotes on Home, Auto, Flood, Business & Commercial, & Life & Financial products as well.

Please call L & S Insurance at 1-888-244-7400 for information and/or quotes for Home, Auto, Flood, Life & Financial &  Business & Commercial coverage as well.


At this time, you are receiving 1099’s, w-2’s which means you can start to do your taxes by the end of the month or earlier. If you are unhappy with your current CPA or just simply now need one because it is difficult with the new laws including the Health Insurance mess. Your accountant is an extension  of your overall Financial plan and should be working with you. Planning is important on a year round basis and not just tax time, but if you need a referral then Ray Cahill CPA is the guy for you. Ray’s office is in Beautiful Central Davie  On University just south of Griffin road. I am also able to refer you to a solid Health Insurance agent to help you with your ACA health questions. Please call L & S Insurance at 1-888-244-7400 for quotes on Home, Auto, Flood, Business & Commercial, & Life & Financial questions. For Tax questions please call Ray Cahill at 954-862-1466 or e-mail him at . You will appreciate the help, advice, prices and service. Ray is also an expert on  IRS issues so please call him and let him know you were referred by the Home Insurance Guru at L & S Insurance.


Thank you,



Please call L & S INsurance at 1-888-244-7400 for quotes on Home, Auto, Flood, Business & Commercial and Life & Financial products as well.


Faced with a rising number of consumer complaints, Florida’s state-backed property insurer has announced a series of changes to its takeout program. The news comes as the insurer said it is highly unlikely to need policyholder assessments next year.

Citizens Property Insurance Corp. has been focusing on its depopulation program under which private insurers are allowed to try to assume Citizens policyholders.

Citizens officials said the takeout program has reduced the size of the insurer from its high of 1.5 million policyholders in November 2007 to its current level of 727,000 policies. Those takeouts have sent Citizens exposure down from $511 billion to $229 billion.

All told, this year alone private insurers have assumed 300,000 Citizens policyholders. State regulators just announced that it has cleared the way for five private insurers to assume 132,440 additional policies.

The takeout program, however, is not without its flaws.

Citizens policyholders are being inundated with offers of coverage as multiple private insurers are competing for the same policy. And there is little uniformity with regard to information provided by insurers, some of which neither the agent nor homeowners have previously heard of.

Although an agent or homeowner has the ability to reject the offers of coverage, in cases where multiple insurers make offers of coverage each offer must be responded to.

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A lot of people are never happy with how claims are settled so Robin Wescott, the Florida Consumer Advocate will try to help. Good luck to her, but they will meet later this month to discuss findings and make suggestions to lawmaker’s in Tall. for the next Legislative session in 2014. For now in Fort Lauderdale, we offer to help all aith issues of any kind. Please call L& S Insurance at 1-888-244-7400 for quotes on Home, Auto, Flood, Business & Commercial and Life Insurance products as well. Please enjoy the article below;

Fake Insurance comapnies, fake clients and false information on all 200 policies or so and Pro premium was the one being fooled. Approximately 500K is now gone and  State of Florida officials from the OIR  in Tall. will investigate. Any information to help prosecute will be helpful  to theFraud  investigation.Please read the full article  as to the deatails. Please remember to conytact L & S Insurance for all your insurance quotes for Home, Auto and commercial and see how good our customer service is;,0,7427516.story

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