Collapse of an Evil Empire! PART III

NOTE: Until proven true, accusations referenced in this series of articles are only allegations made by various parties including the Florida Bar in its petition to suspend Scot Strems license to practice law. (Read Part I here, Part II here)

This Part III of “Collapse of an Evil Empire” begins with the remarkable observation that… the empire may not be collapsing! [Read more…]

Collapse of an Evil Empire! PART II

Part II begins as Part I ended, with a reminder that the accusations referenced in this series of articles (Read Part I here) until proven true, are only allegations made by various parties including the Florida Bar in its petition to suspend Scot Strems license to practice law.

Part I as Prologue–The Florida Supreme Court’s emergency suspension against Scot Strems alleged he “… sits at the head of a vast campaign of unprofessional, unethical, and fraudulent conduct that now infects courts and communities across the state.” [Read more…]

Collapse of an Evil Empire! PART I

This is Part I regarding deceptive practices by some attorneys and their cohorts to steal from others, including their own clients.

If allegations in the  numerous documents I’ve been provided are true we may all be witnessing the historical collapse of an enterprise so prolific and sinister it almost defies description.

Since these alleged practices of just this one firm, The Strems Law Firm (SLF), are so instructive regarding Florida’s property insurance market and the need for tort reform, additional articles may be necessary to provide a more complete picture, examine the potential impact on rates and develop meaningful long term solutions.  [Read more…]

Public Adjusters as Appraisers–How Interested are the Disinterested?

I’m sure it’s just me, but…it often seems like the courts spend disproportional amounts of time litigating the obvious.

Case in point. The appraisal clause in most homeowner’s policies is constructed to resolve disputes regarding the amount of a claim.  This article examines the absurdity of allowing Public Adjusters (PA’s) to act as both a “disinterested” appraiser while also being paid a contingency fee by the policyholder. (See NOTE #1 below)

[Read more…]

Florida’s Rate Problem—the Fee Multiplier

In my last report I said that in my next report I would explain what’s driving up residential insurance rates in the Sunshine state. This report is that promised report but, before I tell you about “Fee Multipliers”, let me tell you something else just as relevant and important.

Every session of the Florida legislature is measured to some degree on how much it succeeds in providing the people of Florida what they need and/or deserve.  If this last session is judged by its work reducing premiums for Florida homeowners (something policyholders obviously need and deserve) then the 2020 session was a miserable failure! [Read more…]


While this blog site typically reports on matters pertaining to Florida’s Property & Casualty industry, the evolving situation with respect to COVID-19 warrants some attention.  Florida, for many reasons, differs from other impacted venues and data courtesy of SUNBURNThe morning read of what’s strategic in Florida Politics (See Note #1 below), can provide a better understanding of what we may be facing.   [Read more…]


Please forgive my writing about something that so many others have already written about and about which you may already have adequate knowledge, but…Florida’s residential property insurance marketplace is in turmoil…again!

Extending back to post Hurricane Andrew, later the 04/05 storms, the ill-advised HB-1A and perhaps other less notable periods, it’s happened many times before.

So, you may be asking… “if it’s happened before and we already know it’s happening now, why are you writing about it?”  Quick answer: because what’s happening now is much worse than what’s happened before and what happened before was only three years ago. [Read more…]


How predictable for 2020 to kick off with attacks on 2019’s starlight insurance reform, Assignment of Benefits (AOB).  [Read more…]

Hurricane Dorian & Rytech… A Water Firm You Can Trust

Hurricane Dorian is now expected to hit Florida even harder than previously thought, prompting a widened state of emergency. The storm is on track to make landfall early Monday as a powerful Category 4 hurricane — it could be the strongest direct hit to Florida’s east coast since Hurricane Andrew in 1992 . Due to the uncertainty of landfall, Governor DeSantis has expanded his previous emergency declaration to include all 67 Florida counties.

It is slated to be a very wet storm with the potential for huge water losses.  Even without such an event, over 50% of an average agency’s property losses are due to water.  For some carriers water losses can approach 60% of their residential property claims count.

Keep in mind, resources for every vendor and carrier will likely be exceeded, creating delays, confusion and all of the usual challenges stemming from a Hurricane. It’s impossible to adjust or remediate claims when personnel cannot get to Florida or to the site of a loss.  Patience in the face of immense challenge is always a virtue. Things will get hectic in the coming days for agents as well.

For all these reasons it’s appropriate to reiterate that Johnson Strategies recommends Rytech to agents as a firm focused on satisfying both your clients and your carriers. [Read more…]

NON-DECISION ON AOB–Not as Bad as it Sounds!

Despite its previous decision to review the case, on Monday July 29th  Florida’s Supreme Court  reversed itself, announcing it would NOT answer the question of whether insurers could use policy language that required approval of AOB’s by “All Named Insureds.”   [Read more…]