Please call Lee at Acentria Insurance for free quotes on Home Insurance, Auto, Flood, Private Flood, Car, Business & Commercial, & Life, group & Financial as well.

Original post 11/2017

On September 27, we had a fire in our laundry area. The entire mobile home sustained fire damage. It took five days for the first adjustor to come out. He was at the house four hours then told us he couldn’t handle the claim because it was a large loss claim. So I don’t know why they sent him out and what he did for four hours if he wasn’t even qualified to be there. He also brought along an Origin of Fire expert who was also there four hours and said the fire started in my washing machine motor. Nothing at all for another week when they sent out a large claim adjustor. He spent about five hours in the home. He also brought along an engineer and the Origin of fire expert again. The two of them were there about five hours, moved the washer and dryer back into the house to take pictures then took them with them when they left. That was Monday and now here it is another week and still nothing.

Original review: Oct. 13, 2017

Had numerous policies for years with Foremost since they insure Mobile Homes. Finally had one claim, adjuster was brand new, her Supervisor finally took over due to incompetence but he was Swamped. Jumped through hoops, got a partial settlement and dropped all the insurance. That’s it in a Nutshell… It’s poor insurance, get rid of it as soon as you can. It’s only gonna Work for you if you have A DISASTER.

 

Please read all 24 below

https://www.consumeraffairs.com/insurance/foremost-homeowners.htm

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Please call Lee from Acentria Insurance for free quotes on Home Insurance, Auto, Flood, Private Flood, Car, Business & Commercial and Life, health & group coverage as well.

A Florida man has been sentenced to more than a year in prison for his role in a $23 million auto insurance fraud involving chiropractors’ clinics.

The SunSentinel reports 55-year-old Jason Dalley wept in court April 16 as a judge sentenced him to spend a year and nine months in prison and pay more than $1.8 million in restitution

Dalley admitted he was part of a group of clinic owners, chiropractors and attorneys involved in the scheme. Court records show the fraud involving clinics in Broward, Palm Beach and Miami-Dade counties brought in at least $23 million from 10 insurance companies between 2010 and 2017.

Dalley ran a personal injury and criminal defense law firm in Boca Raton. He pleaded guilty to conspiring to commit health care, mail and wire fraud.

Please enjoy the full article below;

https://www.insurancejournal.com/news/southeast/2018/04/20/486981.htm

Please call Lee @ Acentria Insurance at 954-270-7966 for free quotes on Home Insurance, Auto, Flood, Private Flood, Car, Business & Commercial, & Life, Group  and financial products as well.

Florida Chief Financial Officer Jimmy Patronis has released a top 10 list of most wanted insurance fraud criminals and called on local communities to help with finding the individuals.

According to a statement from the Florida Department of Financial Services, each of the following individuals is wanted for various insurance-fraud related crimes:

  • Anthony Fitzgerald Phillips, last known address Fullerton, Calf.: Grand Theft.
  • Huberto Del Sol Puerto, last known address Hialeah/Miami, Fla.: Organized fraud ($50,000 or More), false and fraudulent insurance claims, grand theft (3rd Degree), money laundering, false statement (Jurisdiction of Department of State).
  • Gabriel Sanchez, last known address Miami, Fla.: Racketeering.
  • William Brenes, last known address Hillsborough County: Fraudulently presenting a false statement ($100,000 or more).
  • Jose Alexis Orellana Ramos, last known address North Lauderdale, Fla.: Organized fraud ($50,000 or more), grand theft (1st Degree, $100,000 or more), workers’ compensation fraud (Over $100,000).
  • Joseph J. Beckford, last known address Carrollton, Ga.: False and fraudulent insurance claim.
  • Bernardo Romero-Ortiz, last known address Orlando, Fla.: Workers’ compensation fraud ($100,000 or more); organized fraud.
  • Roland Terencio Delgado, last known address Coral Gables, Fla.: Racketeering, grand theft (2 Counts).
  • Paul Emmanuel Pierre, last known address Orlando, Fla.: Racketeering, false and fraudulent insurance claim.
  • Javier Lopez Rivero, last known address Miami, Fla.: Racketeering, grand theft, false and fraudulent insurance claims.

Please enjoy the full article below

https://www.insurancejournal.com/news/southeast/2018/04/18/486707.htm

 

Please call Lee at Acentria Insurance at 954-351-1960 for free quotes on Home, Insurance, Flood, Private Flood, Car and Auto Insurance, Business & Commercial polices & Life & financial as well as group benefits. I will refer to our best agents around the state of Florida.

 

New NFIP Re-authorization Deadline Holds:   December 8, 2017

 

Despite the recent flood events, it seems that the NFIP re-authorization will likely not occur in time for the Dec. 8 deadline with another short term extension likely.  The good news is that the Disaster Relief proposed by the Administration has forgiven $16 B in NFIP debt and the focus would indicate that it is unlikely that a lapse of the NFIP will occur.

NFIP Debt Forgiveness & the Trump Administration

 

The NFIP’s debt will drop to approximately $14.5B and offer enough available borrowing authority to pay all outstanding claims due to yesterday’s passage of a Disaster Relief Spending bill proposed by the Trump Administration and sent to the President for signature.

 

The Administration’s disaster spending proposal, including 16 B in NFIP debt forgiveness, came with 15 proposed NFIP reforms which could complicate any future NFIP re-authorization discussions.

 

While Wright Flood continues to work to oppose eliminating access to the NFIP for any property unable to find coverage in the private market, we do support proposed reforms that strengthen the development of a private flood insurance market.

What Does it All Mean for NFIP Re-authorization

 

While Congress remains engaged with NFIP re-authorization and reform

issues, Wright Flood looks to take advantage of the additional time afforded by the short term re-authorization to continue the push for our combined priorities including:

  • Long term, prompt NFIP re-authorization;
  • Fair, business driven compensation for WYO insurers and our insurance producer partners;
  • An even playing field to allow private insurers the opportunity to further develop a private market for flood insurance;
  • The ongoing financial stability of a robust NFIP

Please keep in touch and be on call should we need your political action and support during this process.  In the coming weeks, Members of Congress will be visiting areas impacted by Harvey and Irma.  If you see or gain access to any Member of Congress, make certain they understand the importance of long term NFIP re-authorization for the communities you serve and for you as a business in those communities. 

 

Please call Acentria Insurance at 954-3151960 to ask me about quotes for Home, Flood, Private Flood, Auto, Business & Commercial and Life & Financial products as well.

They say they have no choice after the Florida Legislature for the fifth year in a row failed to address the crisis in water damage claims abuse.

“We keep saying help us try to solve this problem,” said Michael Carlson, president of the Personal Insurance Federation of Florida.

AOB will ultimately be addressed by the marketplace if lawmakers don’t do anything

Since lawmakers reneged on enacting reforms, insurance carriers are now taking matters into their own hands and the state’s regulator is warning consumers to be prepared.

“We will continue to see homeowners’ insurance companies raise their rates for our consumers in a best-case scenario, and in a worst case scenario just simply stop offering their products in certain regions of the state,” Insurance Commissioner David Altmaier told the Florida Cabinet last month

Please enjoy the full article below;

http://www.insurancejournal.com/news/southeast/2017/07/19/457961.htm

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

Please watch this video and read the story to see how much money Insurance could cost you.!

http://www.abcactionnews.com/money/consumer/taking-action-for-you/assignment-of-benefits-abuse-driving-up-cost-of-home-car-insurance-in-florida

 

Please call L & S Insurance at 1-888-244-7400 for free quotes on Home Insurance, Auto, Flood, Private Flood, Business & Commercial & Life & Financial.

 

II. AUTO

Motor Vehicle Insurance/ PIP Repeal Measure

SB 156 (Brandes);1766 (Lee, T); HB 461 (Hager); HB 1063 (Grall)

HB 1063 by Representative Grall has emerged as the main House vehicle for the PIP repeal initiative; none of the other bills in the House have moved.

The bill was reported favorably as a committee substitute out of the Insurance and Banking Subcommittee with a vote of 12 to 2. The bill repeals existing PIP law and requires 25/50 bodily injury coverage and does not require any MedPay coverage and also contains no bad faith limitations.

The Senate plans to hear SB 1766 by Senator Tom Lee on April 3 in the Banking and Insurance Committee. While this bill also repeals the requirement to carry minimum PIP benefits, the bills are not identical, as SB 1766 contains a medical payments component of $5,000. A linked bill includes a public records exemption for medical payment information held by the Department of Highway Safety and Motor Vehicles.

Unfair Insurance Trade Practices/ Rebate Bill

SB 1032 (Mayfield); HB 1029 (Yarborough)

SB 1032 and HB 1029 amend statute to permit an insurer or its agent to give certain promotional items to insureds, prospective insureds, and others for the purpose of conducting a promotional or advertising program. The bills limit the value of promotional items and prohibit items exceeding $100 in total value from being given. Further, the bills prohibit an insurer or its agent from giving an aggregate total value exceeding $100 in a single calendar year to a single individual. Previously the value was capped at $25 and limited to insurer or agent logo items only.

HB 1029 was passed unanimously by the House Insurance and Banking Subcommittee on March 27 and is now in its final committee of reference, House Commerce Committee. The Senate bill is scheduled to be heard on April 3 by the Senate Banking and Insurance Committee.

SB 420 and HB 813 mandate that the Florida Commission on Hurricane Loss Prevention Methodology to revise hurricane loss prevention models every four years. The House and Senate bills differ in two respects. One, the House bill requires a surplus lines insurer to be rated by A.M. Best in order to be eligible to write flood policies without a diligent effort and the Senate bill requires a rating from any rating agency acceptable to the OIR. Two, the House bill allows flood insurance policies to be exported to the surplus lines market without a diligent effort only until July 1, 2025 and the Senate bill allows this for an indefinite period.

The bills require an agent placing a policyholder with a private flood insurer to get a signed disclosure from the insured 20 days before the expiration of the Federal Flood Insurance policy explaining that if the consumer tries to go back to the Federal Flood Program, they may be subjected to significantly higher rates. We are working to switch this time frame to 20 days after the expiration of the policy.

The Senate bill is scheduled for a hearing on April 3 by Senate Community Affairs, its second of three committee stops. The House bill was approved by Insurance and Banking and moves next to the Commerce Committee.

Workers’ Compensation

SB 1582 (Bradley); HB 7085 (Insurance & Banking Subcommittee)

HB 7085 addresses the recent decisions declaring some components of Florida’s Workers Compensation law unconstitutional. The bill would permit direct payments of attorneys by or on behalf of claimants and increases the total combined temporary wage replacement benefits (TTD/TPD) from 104 weeks to 260 weeks. It also allows a Judge of Compensation Claims (JCC) to award an hourly fee that departs from the statutory percentage based attorney fee schedule under certain situations. Among several other components, HB 7085 also permits insurers to uniformly reduce premiums by no more than 5% if they file an informational-only notice within 30 days. Insurance industry representatives believe that the ability of a judge to award additional attorneys’ fees makes this bill less than ideal, and likely means that litigation will continue to expand causing rates to increase.

SB 1582 seeks to stabilize worker’s compensation rates paid by Florida Businesses. The bill requires insurance carriers to authorize or decline requests for authorization from health care providers within a three-day period and provides that a request is deemed to be authorized if the carrier fails to respond. Like the House bill, the Senate bill increases the temporary partial disability benefits from 104 weeks to 260 weeks, in compliance with the Florida Supreme Court’s decision in Westphal v. City of St. Petersburg. SB 1582 retains the statutory fee schedule for setting claimant attorney’s fees but allows the JCC to consider certain factors and permit deviation from the schedule.

The House bill was scheduled to be heard by the Commerce Committee on March 29, but was removed from the agenda at the last minute; it has not been rescheduled at this point. The Senate bill was filed on March 14 and is scheduled for its first hearing on April 3 by the Senate Banking and Insurance Committee.