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You are here: Home / AOB on and after reforms effective July 1, 2019

AOB on and after reforms effective July 1, 2019

  • AOB Legal Service of Process Data--2006 thru 2017 - Study by DFS of it's SOP data focusing only on P&C.
  • Ark Royal Case, Supreme Crt Rules not to hear - Court Statement for reversing decision to review case; Restoration 1 v. Ark Royal
  • Ark Royal Case: Restoration 1 v. Ark Royal - Supreme Court Case regarding the "All Named Insureds" Issue with AOB.
  • Ark Royal Case: Supreme Court Halts Review of Controversial AOB Case - By P&C 360 regarding Restoration 1 v. Ark Royal in the "All Named Insureds" dispute.
  • Ark Royal Case: Supreme Court Pulls out of Insurance Dispute - From News Service of Florida by Jim Saunders, regards Restoration 1 v. Ark Royal "All Named Insureds" dispute
  • Articles and relevant media on AOB reform - Important information on the reforms from May 1, 2019 through June 6, 2019.
  • Citizens email, regards AOB claims, January 2020 - In response to a request regarding effectiveness of HB-7065
  • Citizens Takeout Offer from Florida Peninsula - Citizen’s price, $3,486, is 42.6% less than Florida Peninsula’s offered price of $6,073.
  • CPC Compilation of AOB Editorials--2017 thru 2018 - Courtesy of the Consumer Protection Coalition
  • CPC Compilation of AOB Victims/video Testimonials - Courtesy of the Consumer Protection Coalition, Links to16 TV/video interviews/coverage
  • CPC Compilation of Media Coverage,AOB: 1/1/18 to 1/1/19 - Courtesy of the Consumer Protection Coalition
  • DBPR--RAF Complaint to overturn SB-76. - Restoration Association of Florida; OBO Apex Roofing, and John Casperson.
  • DBPR--Respnse to RAF Complaint for injuction 1-10-22 -
  • Demotech Downgrades '22--Ltr. from CFO Petronis - To Fannie Mae & Freddie Mac, regards Demotech downgrades
  • Demotech Downgrades '22-Kyle Ulrich's blog - pertains to OIR announcement regarding Citizens Quota Share offer to private carriers affected by Downgrades.
  • Demotech Downgrades--OIR Release, Reinsurance & Response - July 27, 2022-Florida Establishes Temporary Reinsurance Arrangement for Insurers Facing Potential Financial Stability Rating Downgrades.
  • Demotech--Blog From Kyle Ulrich regarding Downgrades - "Is it time for Florida to turn the page on Demotech?"
  • Demotech--Ltr. from Commissioner Altmaier - July 21, 2022; to Joe Petrelli regards threatened downgrades.
  • Demotech-Ltr to Altmaier from Petrelli - July 26, 2002, responding to Altmaier's letter of July 21
  • DFS vs Contender Claims Services - Action by DFS to compel compliance with a subpoena issued as part of investigations involving the Strems Law Firm and others.
  • Dr. Gary Rosen, Email - Opinion pertaining to RAF/Kidwell AOB reform workshop information
  • Dr. Gary Rosen, RAF New AOB Form - Provided at RAF/Kidwell Seminars to use with AOB post reform, HB-7065
  • Dr. Gary Rosen, Resume - Includes contact information
  • Email Exchange with Gary Rosen - Regards his thoughts on SB-122 and HB-7065 and the potential market impact.
  • Fee Multiplier--Memo In Support of SB-76 & HB-305 - From the Florida Justice Reform Institute--Reserving Attorney Contingency Fee Multipliers for Rare and Exceptional Circumstances.
  • Financials 2020--Demotech Press Release - Strength Through the Storms and Through the Years--Demotech Rated Carriers. March 5, 2021
  • Financials 2020--Guy Carpenter Preliminary 2020 - Summary of 2020 YE results
  • Financials 2020--Net Underwriting Losses - Provided by Security First for Fla. Domestics
  • Financials 2020--S&P Net Underwriting Losses - Shows underwriting Loss & Fee Adjustments, 38 carriers
  • FLAPOL article--April 27,2019 - Jimmy Patronis, consumer advocates slam AOB rush as despicable, shameless
  • Florida Regulator Approves nearly 100 rate increases--Article by Lyle Adriano - February 2021-Insurance Business America article; 100 insurers raise rates.
  • Gale Force Roofing--Complaint for Injunctive Relief - Gale Force files suit against DBPR (Julie I. Brown) to stop application of portions of SB-76
  • Gale Force Roofing--DBPR Defense Memo, 6-27-2021 - Julie I. Brown, DBPR opposition to request for preliminary injunction.
  • Gale Force Roofing--Preliminary Injunction Order, 7-11-2021 - US District Court, Northern District, Grants Preliminary Injunction.
  • Gale Force Suits--DFS Service of Process Record - Gale Force 73 lawsuits noticed to DFS.
  • Gale Force--DBPR's response to request for injunction - Uses the argument that Gale Force has "unclean hands."
  • HB 717--DFS regulatory legislation 2021 - Contains provisions allowing DFS to administer fines to those without licenses who perform certain functions and/or solicit claims.
  • HB-837 Enrolled Tort Reform Bill - Final version signed by the Governor
  • House vote--Final Passage, HB-7065 - Vote Tally for the House including Yea's, Nays and abstentions.
  • Insurance Journal article--May 1, 2019 - By Patrick Wraight--A Quick Look at Florida's New AOB Bill
  • Johnny Appleseed Video-Article - By Florida Watchdog; New Tactics to blunt new law
  • Lax Fraud Enforcement--Article by Tallahassee Democrat - @-5-2021; Sen. Brandes/Paul Handerhan, comment on OPPAGA study and the fraud "Enforcement Issue" vs. Statutory changes.
  • OIR Informational Memorandum - OIR-19-02M, Issued June 14, 2019--"Changes to Assignment of Benefits Law"
  • OIR Report to House Commerce--2-24-21 - A letter to Chairman Ingoglia from Commissioner Altmaier regards "Cost Drivers of Fla. Insurance Rates."
  • OIR Stability Report--July 1, 2022 - The first such report required by the Special Session.
  • OPPAGA Study--Homeowner & Auto Glass Fraud; Revised - The complete study published March 5, 2021
  • Petition for Declaratory Statement Statute--Chapter 28-105 - Purpose, The Petition, Notice, Intervention, Disposition & Notice
  • Petition for Declaratory Statement--Dept. of Financial Services - Filed by Universal P&C (David Dominguez) for clarification on the meaning of "directly or indirectly" & what recourse the carrier has
  • RICO article--Sun Sentinel - By Ron Hurtibise, includes reference to Heritage Insurance suit against Angelica Sigler.
  • RICO Suit--Heritage vs Angelica & Albert Sigler - The Subject of an article by Ron Hurtibise regards RICO actions by insurers.
  • RICO-Zalma on Fraker Report - A report extracted from Zalma's article on RICO actions by Florida Insurers.
  • S&P Global article-June 5, 2019 - Florida insurance industry balances optimism for AOB reform against experience
  • SB-1598 Final Bill, Public Adjusters - Dealing with Public Adjusters, Enrolled version sent to the Governor, 2021
  • SB-1728 by Jim Boyd - Contains Citizens board experience language, ACV Roof Schedule and defines certain acts as insurance fraud.
  • SB-1728 Senate vote record -
  • SB-76 Final Version - As passed in 2021 Legislative Session
  • SB-76 Governor Signs Bill - FOX13 reports "during Sarasota stop Governor Signs Bill
  • SB-76 Governor's Press Release - June 11, 2021; Governor DeSantis Signs Legislation to Continue Insurance Reform in Florida
  • SB-76-Citizens Notice of Intent Data - From Citizens to the Senate B&I Committee, data on NOI's since implementation of SB-76
  • SB-76/HB-305 Altmaier Ltr to Chairman Ingoglia -
  • SB-76/HB-305 Article SB-76 Passes Senate - PropertyCasualty360 by Jim Saunders April 9, 2021
  • SB-76/HB-305 Chip Merlin Refuted by Guy Fraker - Refutation of Chip Merlin's article that Laws Don't Lower Rates by Guy Fraker with the James Madison Institute.
  • Security First Letter To Chairman Ingoglia--From CEO Locke Burt -
  • Senate Vote--Final Passage, HB-7065 - Final vote tally showing Yea's, Nays and abstentions.
  • Special Session 2022--House Highlights - Highlights of Special Session bill D
  • Special Session 2022--Insurance Journal Summary - By William Raab, May 26, 2022
  • Special Session 2022--Summary by LMA -
  • Special Session 2022-Article by POLITICO 3-17-20 - By Matt Dixon & Arek Sarkissian titled: Inconspicuous political cash helped trial lawyers notch winds against insurers.
  • Special Session 2022-Cohen Law Email - The Fauci of Florida video link sent out by Cohen Law Group.
  • Special Session 2022-Politica Artcl 3/17/2020 - By Matt Dixon & Arek Sarkissian Titled: "Inconspicuous political cash helped trial lawyers notch winds against insurers."
  • Special Session II-- SB-2A -
  • Special Session II--Staff Analysis of SB-2A - A helpful overview of the market and the bill designed to repair the market, includes links to all citations.
  • Special Session II--State Insurance Market Badly Needs an Oil Change - November 7, 2022 by Kevin Comerer w/ Permission
  • Special Session II--The Incentive to Sue - By Steve Pociask, a report by The American Consumer Institute (ACI) on "How a Handful of Attorneys Are Profiting at the Expense of Florida Homeowner."
  • Strem Law Firm VIII-Sun Sentinel article by Ron Hurtibise - "How a 'shady' insurance lawyer sucked homeowners into his alleged ripoff scheme."
  • Strems Law Firm II--Bar Ethics Request & Response - Both the request and the Bar's answer regarding "Fee Sharing" via global settlements with Public Adjusters.
  • Strems Law Firm II--Bar's Response to Request to Dissolve - Florida Bar responds to Strems Request to Dissolve it's request for Emergency Suspension
  • Strems Law Firm II--Citizens v Strems, et al - Citizens petition for Jury Trial against SLF, Scot Strems, CCC, AIRS and affiliated persons.
  • Strems Law Firm II--Contender Claims Services - DFS petition to enforce State Agency Investigation Subpoena
  • Strems Law Firm II--Florida Bar Rule 4-5.4 - Rule regulating the sharing of fees by an attorney with unlicensed individuals.
  • Strems Law Firm II--Motion to dissolve Order of Suspension - Scot Strems files to have the emergency suspension of his license to practice law dissolved.
  • Strems Law Firm II--PA Email redacted - An email in response to my request to verify allegations in a Trial Attorney email regarding "Global Settlement Schemes" with PA's.
  • Strems Law Firm II--Petition for Declaratory Relief Motion to Dismiss -
  • Strems Law Firm II--Petition for Declaratory Relief - Guyer Fuxa Tyler PLLC v Zevuloni & Associates, Citizens regarding Global Settlements & PA fees.
  • Strems Law Firm II--Protected Source Email - A trial lawyer email and telephone conversation regarding, Public Adjusters in cahoots with attorneys & Global Settlements.
  • Strems Law Firm II--Report of Referee - Regarding the motion by Strems to have the suspension of his license "Dissolved".
  • Strems Law Firm II--Report of Referee on Strems Motion To Dissolve - July, 15, 2020--Honorable Dawn Denaro denies Scot Strems Petition to dissolve emergency suspension of his license.
  • Strems Law Firm III--Florida Record Article, Re. Strems PPP Loan - By Bob Pepalis, July 20, 2020. Suspended attorney's law firm receives PPP loan to support 151 jobs.
  • Strems Law Firm III--Letter to Judge Huey with attachments - July 30, 2020; explaining the rationale for selling the Strems Law Firm
  • Strems Law Firm III--McEkron EUO of former Strems Litigation Mgr. - 167 Pages of EUO of Christopher Aguirre, Esq.
  • Strems Law Firm III--PPP Loan - A Screen Shot showing Loan to Strems Firm between $1 and$2 million.
  • Strems Law Firm III--Request for Oral Argument - July 30 ,2020; Scot Strems files to argue his case before the Supreme Court.
  • Strems Law Firm III--Resonse to Order to Show Cause - Strems requests SCOFLA to not accept the Referee's recommendation and instead direct Interim Probation.
  • Strems Law Firm III--Safepoint vs Jannie Williams - 3rd DCA regarding application of prevailing party fees.
  • Strems Law Firm III--Service of Process, Strems new firm - Secretary of State record, July, 09, 2020, for The Property Advocates, P.A.
  • Strems Law Firm III--Strems Law Firm - Amended Article of Incorporation changing name of the Strems Law firm to The Property Advocates, PA.
  • Strems Law Firm III--Strems Letter to clients - Scot Strems letter, dated July 1, 2020, informing clients of changes to the firm name and ownership.
  • Strems Law Firm III--Why Insurance Fraud Succeeds - An article from IRMI by Nationally respected insurance fraud expert and attorney, Barry Zalma.
  • Strems Law Firm III-Jonathan Drake Bar Membership - A screen save of the Florida Bar membership records for new law firm affiliation of Jonathan Drake
  • Strems Law Firm IV--Bars response to Strems Response to Order to Show Cause - Fla. Bar as petitioner argues that Strems offers no basis to overturn suspension or for Interim probation and that no oral argument is necessary.
  • Strems Law Firm IV1/2--Bar's Contempt Petition - The Florida Bar petition to the Supreme Court asserting the Scot Strems is in contempt of the suspension order.
  • Strems Law Firm IX--Motion for Extension Granted - Fla. Bar is granted until January, 26th to file a response to Strems Appeal Brief.
  • Strems Law Firm IX--Respondents Initial Brief - Scot Strems requests Oral Arguments and submits a brief supporting a reduction in his sentence 12/22/20
  • Strems Law Firm V--CPC Statement - From the Florida Chamber--Consumer Protection Coalition statement on start of Scot Strems trial before Miami circuit judge.
  • Strems Law Firm V-Gandul v Olympus - Motion Granting Sanctions
  • Strems Law Firm VI--Email w/ Bar Association - An exchange regarding the Referee's report to the Supreme Court recommending penalties.
  • Strems Law Firm VI--Report of Referee - Judge Dawn Denaro recommends to SCOF STrems 2 year suspension followed by 1 yr. probation
  • Strems Law Firm VII--Brace for Rate Increase Shock - By Alex Harris, Miami Herald, June 26, 2020.
  • Strems Law Firm VII--Florida's Troubled Market - Blog by Kyle Ulrich (with permission) citing Figures from Guy Carpenter on rates, losses and underwriting in Florida's market. (9/30/20
  • Strems Law Firm VII--Isabel Arias Bar Card - Membership Bar card for leading property litigator through 9-30 of 2020; with Cohen Law Group.
  • Strems Law Firm VII--Standby for more rate increases - LMA Newsletter, 8-3-2020
  • Strems Law Firm VII--Top 25 Plaintiff Attorneys - 2015-9/30/20 top 25 attorneys based on suits served, per DFS, Service of Process
  • Strems Law Firm VII--Why Is Homeowners Insurance In Florida Such a Disaster? - By Ed Leefeldt, Forbes Magazine. July 23, 2020
  • Strems Law Firm VII-Property Writers Served - Top 56 property writers, from DFS SOP data used in chart development of top 25 plaintiff lawyers.
  • Strems Law Firm VIII--Analysis of Fs.877.01 & Fs.877.02 - Citizens legal department provided analysis and background on these two statutes regarding solicitation of litigation.
  • Strems Law Firm VIII--Complaint from Fla. Bar A Pattern of Deceit & Solicitation - Fla Bar additional charges against Scot Strems for Solicitation violations and other deceptions.
  • Strems Law Firm VIII--Complaint Geyer, Fuxa, Tyler vs Zevuloni - Law firm sues to force PA to endorse claim check so defendant can get paid.
  • Strems Law Firm VIII--Complaint response by Zevuloni - A motion to dismiss the request for Declaratory relief from Geyer, Fuxa, Tyler.
  • Strems Law Firm VIII--Florida Bar Rule 4-54 - Professional Independence of a Lawyer, Sharing Fee's with Non-Lawyers
  • Strems Law Firm VIII--Fs 877.01 & Fs 877.02 - Statutes relating to Instigation of Litigation and related penalties.
  • Strems Law Firm VIII--Instigation of Litigation Fs. 877.01 - Prohibits certain actions regarding stirring up strife and litigation.
  • Strems Law Firm VIII-Sun Sentinel article by Ron Hurtibise - "How a shady insurance lawyer sucked homeowners in his alleged ripoff scheme."
  • Strems Law Firm XI--Bar Review of Referee's Decision - 6-2-21; FL. Bar disagrees with recommendation of Public Reprimand in Nowak case.
  • Strems Law Firm XI--Bar Soliciation Complaint -
  • Strems Law Firm XI--Fla. Bar v Strems - The Nowak Complaint--6-11-2020
  • Strems Law Firm--Bar Complaint, Gregory Saldamando - Betrayal of ethical obligations to his clients in order to enrich himself.
  • Strems Law Firm--Bar Complaint, Scot Strems - Alleges systemic misconduct in dealing with clients judgements and fees.
  • Strems Law Firm--Compendium - All articles regarding Strems Law Firm and Collapse of an Evil Empire, sorted chronologically. June 15, 2020 to December 22, 2022.
  • Strems Law Firm--Contingency Fee Agreement -
  • Strems Law Firm--DFS vs Contender Claims Services - Strems using Unlicensed Public Adjusters, DFS attempts to serve subpoena's and requests full compliance.
  • Strems Law Firm--Email to Bar Assoc. regarding Emergency Suspension - An exchange regarding the nature of the Supreme court suspension and related issues.
  • Strems Law Firm--Emergency Suspension - Petition from the Fla. Bar requesting the Supreme Court to suspend Scot Strems license to practice law--June 6, 2020
  • Strems Law Firm--Emergency Suspension Ruling - Supreme Court suspends Strems License, 6-9-2020
  • Strems Law Firm--Insurance Journal by Amy O'Connor - Florida Supreme Court Suspends Attorney Behind Thousands of Insurer Lawsuits.
  • Strems Law Firm--Insurance Journal by Amy O'Connor - Article regarding Referee's decision to uphold Bar's petition.
  • Strems Law Firm--JS letter to Fla. Bar - Letter requesting Fla. Bar look into actions of several firms, dated November 1, 2017.
  • Strems Law Firm--Lawyer Discipline Statistics - C/O the Florida Bar 2017-2022
  • Strems Law Firm--Sonia Ortiz Amended Complaint - An amended class action complaint & Demand against Strems Law firm & Scot Strems, 4-24-2020 FIled by Lee Jacobson, PA
  • Strems--Bar's Response to Petition for Rehearing - January 12, 2023, Response in Opposition
  • Strems--Disbarred! - Final decision by the Supreme Court disbarring Scot Strems from the practice of law.
  • Strems--Petition for Rehearing - January 6, 2023 Respondents Motion for a rehearing of Decision to Disbar.
  • Sun Sentinel Artcl--Big Money Forces at War 12/13/21 - by Ron Hurtibise with the Sun Sentinel on what's wrong and what it costs.
  • Sunshine State News article--April 29, 2019 - By Nancy Smith: AOB Abuse King Addresses His Army of Vendors, Vowing to Get Around the New Law.
  • Sunshine State News--AOB Abuse King Addresses His Army of Vendors, Vowing to Get Around the NEw Law - By Nancy Smith, April 29, 2019
  • Supreme Court--BG's Blog on Vexatious Lititigation - Announcing the Study Group & Senator Broxson's letter to SCOF.
  • Supreme Court--Fla. Bar Announcement regards Working Group - December 13, 2021, regarding Charles Canady appointing a working Group on Litigation.
  • Supreme Court-Report on the Working Group - Due June 1, 2022 regarding Vexatious and Sham Litigation.
  • Third Qtr. Financials 2021- - Financial Results Summary, Guy Carpenter
  • Tort Reform Benefits, Florida--Perryman, November 2019 - A study by The Perryman Group of the excessive tort costs in Florida
  • United P&C RICO suit by SFR--article by William Raab - Published in the Insurance Journal January 14, 2022
  • United P&C RICO Suit--by SFR, Case Dismissal - Suit is dismissed w/ prejudice, barred by the McCarran-Ferguson Act and lack of particularity.
  • United P&C RICO Suit--The Complaint by SFR - SFR v United P&C & others
  • United P&C--Insurance Journal Article, 12-14-23 - "Independent Adjusters Charge Florida Insurers With Doctoring Damage Estimates," by William Rabb

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Unless otherwise attributed, articles on this site are the opinions of Scott Johnson.

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