Archives for 2020

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)

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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…]