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You are here: Home / 2021 / Archives for February 2021

Archives for February 2021

Public Adjusting– NO LICENSE?

February 26, 2021 - Opinions by Scott Johnson 2 Comments

First, let’s number this article PART II in the series dealing with Property Insurance Fraud, its’ precedent being PART I—Florida’s Pyramid of Property Insurance Fraud, which you should read first.

Next, don’t let the title or the startling image above mislead–this is not a critique of Florida’s Department of Financial Services (DFS).  To the contrary, it’s meant to answer the question I am persistently asked…“Why doesn’t DFS stop all the illegal claim solicitations?” Answer: it hasn’t been given the authority needed to do so–which is a legislative failing. [Read more…] about Public Adjusting– NO LICENSE?

Filed Under: Advocacy

GUEST COLUMNIST–David Thompson, CPCU, AAI, API, CRIS

February 18, 2021 - Opinions by Scott Johnson Leave a Comment

NOTE: During this time of sticker shock rate increases many homeowners laser focus on price–perhaps understandably as some truly cannot afford to spend another penny. However, far too many react without a thought to the overall value proposition.  JS reached out to contributor, David Thompson, for his unique perspective and decades of experience in such matters.

To forward David’s article to anyone making important insurance policy decisions, see “share this article” below.

[Read more…] about GUEST COLUMNIST–David Thompson, CPCU, AAI, API, CRIS

Filed Under: Advocacy

Florida’s Pyramid of …

February 11, 2021 - Opinions by Scott Johnson Leave a Comment

This begins a multi-part series examining the epidemic level of fraud in Florida’s property insurance market. It’s triggered by a recent USA Today article featuring commentary and research laying the blame on lax state enforcement.

The article referenced a study by the Office of Program Policy Analysis and Government Accountability (OPPAGA), published February 1, 2021, requested by Senator Jeff Brandes (R-St. Petersburg) and delivered to the legislature, titled: Several Factors Hinder Homeowner and Auto Glass Insurance Fraud Processing.

[Read more…] about Florida’s Pyramid of …

Filed Under: Advocacy

Collapse of an Evil Empire! PART X

February 7, 2021 - Opinions by Scott Johnson Leave a Comment

In “Collapse of an Evil Empire! PART IX—Thumbs UP, Thumbs DOWN?” I opined that the Bar’s response to Scot Strems “Brief” arguing that his recommended sentence was too harsh, would be that it was too light and instead of two years suspended license, the Bar would argue that he be permanently disbarred.

I was right! The Bar asserted exactly that in a 90-page “Answer Brief” filed February 5th with the Supreme Court which you can read here.

Though the legacy of these proceedings will flourish for years to come, the final judicial chapter is now within site and will be available to us all when the Supreme Court decides these final assertions made by both sides.

Stay tuned for when that momentous day arrives, hopefully soon.

[Read more…] about Collapse of an Evil Empire! PART X

Filed Under: Advocacy

First Reform Hurdle Cleared in Senate…

February 4, 2021 - Opinions by Scott Johnson Leave a Comment


The first of many significant hurdles to normalcy in Florida’s property market was cleared Tuesday when SB-76 emerged unscathed from the Senate Banking and Insurance Committee via a 9 to 3 bipartisan vote.  Two Senate hearings remain before it goes to the floor–next being the sometimes prickly Judiciary Committee chaired by Senator Jeff Brandes (R-St. Petersburg). Senator Brandes voted for the bill as a member of Senator Boyd’s Committee and has been a staunch advocate for common sense reforms, including attorney fee multipliers and reductions in the time for promptly filing a claim.

In the House, Bob Rommel (R-Naples) is sponsoring the companion, HB-305, referred to Insurance & Banking, Civil Justice & Property Rights and the Commerce Committee. It has not yet been heard.

[Read more…] about First Reform Hurdle Cleared in Senate…

Filed Under: Advocacy

GUEST COLUMNIST—Barry Zalma, CFE, ESQ.

February 1, 2021 - Opinions by Scott Johnson Leave a Comment

Perhaps because Florida’s Insurance Commissioner David Altmaier says claims solicitation is raising the cost of Florida’s property insurance industry for both consumer and provider insurers – frustrated by a lack of criminal prosecution of insurance fraud perpetrators, have taken to civil courts to deter crime by taking the profit out of the criminal schemes.

David Altmaier told lawmakers the losses insurance companies took in 2020 were almost a billion dollars, little over a billion dollars in underwriting losses for Florida’s domestic industry through the first three quarters of 2020, so “that’s not even a full year yet and we’ve almost doubled the underwriting losses from last year.”

Altmaier said, while lawsuits are a main driver-a growing issue is roofing claims. He reported that roofing claims do not appear to be normal roofing claims in which a consumer notices that they incurred a loss and calls their insurance company, but instead solicitations.

[Read more…] about GUEST COLUMNIST—Barry Zalma, CFE, ESQ.

Filed Under: Advocacy

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JS Contributors

Don Brown
Particularly on insurance issues, Don Brown brings expert legislative acumen to the JS team. First elected in 2000 he emerged as an architect on numerous insurance related reforms, predominantly Property Insurance. He’s been an independent insurance agent for over 25 years and is currently a sought-after speaker, consultant and author. Learn more
David Thompson, AAI, CPCU, CRIS
David Thompson has a well-deserved reputation across the country as a preeminent expert in the Property & Casualty field. Learn more
Bill Wilson, CPCU, ARM, AIM, AAM
Bill is one of the most respected speakers and writers on P & C issues in the U.S. He is recognized by his peers as someone who can explain complicated technical subjects in an easily understood and interesting fashion. His list of accomplishments and awards is legendary. For good reason his books, articles and consulting services are in continuous demand. Learn more
Barry Zalma, ESQ. CFE
Johnson Strategies has relied upon Mr. Zalma on numerous occasions for his research and insight into matters of insurance fraud, bad faith, relevant case law and expert analysis. Learn more

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Collapse of an Evil Empire

Fraud and greed pushed home insurers to the brink. Something bold had to be done. This is the story of the disbarment of Florida’s most prolific litigator leading to the most comprehensive tort reforms in Florida, and perhaps American, history.

What's Past is Prologue

Lessons from the Worst Insurance Crisis in Florida’s History... ASSIGNMENT OF BENEFITS

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  • The Delicate Balance: Addressing MGA Concerns Without Creating Market Uncertainty
  • Are Florida’s MGA’s Under Attack?!
  • A Smarter Approach to Hurricane-Resilient Homes and Insurance Stability…
  • How Do Other Jurisdictions Manage Hurricane Risk Exposure?

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

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Johnson Strategies (JS) works to establish and achieve goals promoting products or idea's to customers, state policymakers and the consuming public. This is done on behalf of both corporate and individual clients, non-profit trade associations and membership societies. JS specializes in planning, communication and advocacy for a wide range of interests focused in the property and casualty insurance field. Our simple mission is to guarantee satisfaction based on a comprehensive needs analysis and mutually defined goals.

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Recent Posts

  • AGENTS, ADJUSTERS, INSURERS BEWARE—THE RED FLAGS OF FRAUD!
  • The Delicate Balance: Addressing MGA Concerns Without Creating Market Uncertainty
  • Are Florida’s MGA’s Under Attack?!
  • A Smarter Approach to Hurricane-Resilient Homes and Insurance Stability…
  • How Do Other Jurisdictions Manage Hurricane Risk Exposure?
  • PART II of “What Agents Need to Know About Public Adjusters…
  • Latest Decision on AOB!

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