- Don Brown--The Capital Consequence of Uncertainty
- Don Brown--Solving Florida's Homeowners Crisis
- Don Brown--Parametric Insurance
- Castle Roofing Affidavit--Nov. 29, 2023
- Litigation Report Q3 2023
- Policyholder Claim Litigation Survey--ICA Tasha Carter
- American Policyholders Association--Justifiable Grievances
- SFR Services--Tower Hill v. SFR Services
- SB-7052 The Insurer Accountability Act
- SB-7052 The Insurer Accountability Act
- Strems vs Property Advocates
- Strems vs Property Advocates
- Strems vs Property Advocates--
- Strems vs Property Advocates
- HB-837 Enrolled Tort Reform Bill
- Public Adjusters--Appraisal, SCOF decision
- United P&C--Insurance Journal Article, 12-14-23
- United P&C RICO Suit--by SFR, Case Dismissal
- Strems--Bar's Response to Petition for Rehearing
- Strems--Petition for Rehearing
- Strems Law Firm--Lawyer Discipline Statistics
- Strems Law Firm--Compendium
- Strems--Disbarred!
- Special Session II-- SB-2A
- Special Session II--Staff Analysis of SB-2A
- Special Session II--The Incentive to Sue
- Special Session II--State Insurance Market Badly Needs an Oil Change
- Special Session 2022--Summary by LMA
- Supreme Court--Fla. Bar Announcement regards Working Group
- Supreme Court--BG's Blog on Vexatious Lititigation
- OIR Stability Report
- Supreme Court-Report on the Working Group
- OIR Stability Report--July 1, 2022
- OIR Stability Report--July 1, 2022
- OIR Stability Report--July 1, 2022
- Demotech Downgrades '22-Kyle Ulrich's blog
- Demotech Downgrades--OIR Release, Reinsurance & Response
- Demotech-Ltr to Altmaier from Petrelli
- Demotech--Blog From Kyle Ulrich regarding Downgrades
- Demotech--Ltr. from Commissioner Altmaier
- Demotech Downgrades '22--Ltr. from CFO Petronis
- Special Session 2022-Article by POLITICO 3-17-20
- Special Session 2022-Cohen Law Email
- Special Session 2022-Politica Artcl 3/17/2020
- Special Session 2022--Insurance Journal Summary
- Special Session 2022--House Highlights
- United P&C RICO Suit--The Complaint by SFR
- United P&C RICO suit by SFR--article by William Raab
- Citizens--Takeout Offer From Florida Peninsula
- Citizens--Class Action, Atty Fees for pre-suit notices,
- Citizens--Class Action Suit on Pre-suit atty. fees
- SB-1728 Senate vote record
- Citizens 2022 Reinsurance White Paper-1-12-22
- Citizens Rate Comparison Study--Nov. 17 2021
- Citizens Takeout Offer from Florida Peninsula
- SB-1728 by Jim Boyd
- DBPR--Respnse to RAF Complaint for injuction 1-10-22
- DBPR--RAF Complaint to overturn SB-76.
- Gale Force--DBPR's response to request for injunction
- SB-76-Citizens Notice of Intent Data
- Sun Sentinel Artcl--Big Money Forces at War 12/13/21
- Third Qtr. Financials 2021-
- Petition for Declaratory Statement Statute--Chapter 28-105
- Petition for Declaratory Statement--Dept. of Financial Services
- Gale Force Suits--DFS Service of Process Record
- Gale Force Roofing--Preliminary Injunction Order, 7-11-2021
- Gale Force Roofing--DBPR Defense Memo, 6-27-2021
- Gale Force Roofing--Complaint for Injunctive Relief
- Strems Law Firm XI--Fla. Bar v Strems
- Strems Law Firm XI--Bar Review of Referee's Decision
- Strems Law Firm XI--Bar Soliciation Complaint
- SB-76 Governor Signs Bill
- SB-76 Governor's Press Release
- SB-1598 Final Bill, Public Adjusters
- SB-76 Final Version
- SB-76/HB-305 Chip Merlin Refuted by Guy Fraker
- SB-76/HB-305 Article SB-76 Passes Senate
- SB-76/HB-305 Altmaier Ltr to Chairman Ingoglia
- OPPAGA Study--Homeowner & Auto Glass Fraud; Revised
- Financials 2020--Net Underwriting Losses
- Security First Letter To Chairman Ingoglia--From CEO Locke Burt
- Florida Regulator Approves nearly 100 rate increases--Article by Lyle Adriano
- Financials 2020--Demotech Press Release
- Financials 2020--Guy Carpenter Preliminary 2020
- Financials 2020--S&P Net Underwriting Losses
- OIR Report to House Commerce--2-24-21
- Fee Multiplier--Memo In Support of SB-76 & HB-305
- DFS vs Contender Claims Services
- HB 717--DFS regulatory legislation 2021
- Lax Fraud Enforcement--Article by Tallahassee Democrat
- OPPAGA Study--Homeowner & Auto Glass Fraud
- Guy Fraker Study--January 2021
- RICO-Zalma on Fraker Report
- Legislation 2021--SB-76, Cohen ACTION ALERT
- Legislation 2021--SB-76, Merlin Blog in opposition
- Legislation 2021--SB-76, by Senator Jim Boyd
- RICO Suit--Heritage vs Angelica & Albert Sigler
- RICO article--Sun Sentinel
- Guy Fraker Study--January 2021
- Senate B&I Committee Mtg Packet--1-12-21
- House B&I Subcommittee Agenda; 1-13-2021
- Public Adjusters--Appraisal, State Farm vs Parrish
- Strems Law Firm IX--Motion for Extension Granted
- Strems Law Firm IX--Respondents Initial Brief
- Friday Morning Live: The Florida Property Market and What Agents Need to Know
- Strem Law Firm VIII-Sun Sentinel article by Ron Hurtibise
- Strems Law Firm VIII-Sun Sentinel article by Ron Hurtibise
- Strems Law Firm VIII--Analysis of Fs.877.01 & Fs.877.02
- Strems Law Firm VIII--Fs 877.01 & Fs 877.02
- Strems Law Firm VIII--Instigation of Litigation Fs. 877.01
- Strems Law Firm VIII--Florida Bar Rule 4-54
- Strems Law Firm VIII--Complaint from Fla. Bar A Pattern of Deceit & Solicitation
- Strems Law Firm VIII--Complaint response by Zevuloni
- Strems Law Firm VIII--Complaint Geyer, Fuxa, Tyler vs Zevuloni
- Strems Law Firm VII--Isabel Arias Bar Card
- Strems Law Firm VII--Why Is Homeowners Insurance In Florida Such a Disaster?
- Strems Law Firm VII--Standby for more rate increases
- Strems Law Firm VII--Brace for Rate Increase Shock
- Strems Law Firm VII--Florida's Troubled Market
- Strems Law Firm VII--Top 25 Plaintiff Attorneys
- Strems Law Firm VII-Property Writers Served
- Strems Law Firm VI--Email w/ Bar Association
- Strems Law Firm VI--Report of Referee
- Strems Law Firm V-Gandul v Olympus
- Jeff Grady Scholarship
- Jeff Grady Biography
- Tort Reform Benefits, Florida--Perryman, November 2019
- Strems Law Firm V--CPC Statement
- Strems Law Firm IV1/2--Bar's Contempt Petition
- Artemis article--Reinsurance up 26%, June 2020
- Sun Sentinel article--Insurance companies set to squeeze even more money out of us this storm season.
- Strems Law Firm IV--Bars response to Strems Response to Order to Show Cause
- Strems Law Firm III--Florida Record Article, Re. Strems PPP Loan
- Strems Law Firm III--PPP Loan
- Strems Law Firm III--Request for Oral Argument
- Strems Law Firm III--Resonse to Order to Show Cause
- Strems Law Firm III--Letter to Judge Huey with attachments
- Strems Law Firm III--Safepoint vs Jannie Williams
- Strems Law Firm III--Strems Letter to clients
- Strems Law Firm III--Why Insurance Fraud Succeeds
- Strems Law Firm III--McEkron EUO of former Strems Litigation Mgr.
- Strems Law Firm II--Report of Referee on Strems Motion To Dissolve
- Strems Law Firm III--Service of Process, Strems new firm
- Strems Law Firm III--Strems Law Firm
- Strems Law Firm III-Jonathan Drake Bar Membership
- Strems Law Firm II--Petition for Declaratory Relief Motion to Dismiss
- Strems Law Firm II--Citizens v Strems, et al
- Strems Law Firm II--Contender Claims Services
- Strems Law Firm--Insurance Journal by Amy O'Connor
- Strems Law Firm II--Report of Referee
- Strems Law Firm II--Bar's Response to Request to Dissolve
- Strems Law Firm II--Florida Bar Rule 4-5.4
- Strems Law Firm II--Petition for Declaratory Relief
- Strems Law Firm II--PA Email redacted
- Strems Law Firm II--Bar Ethics Request & Response
- Strems Law Firm II--Motion to dissolve Order of Suspension
- Strems Law Firm II--Protected Source Email
- Strems Law Firm--Bar Complaint, Scot Strems
- Strems Law Firm--DFS vs Contender Claims Services
- Strems Law Firm--Bar Complaint, Gregory Saldamando
- Strems Law Firm--Insurance Journal by Amy O'Connor
- Strems Law Firm--Email to Bar Assoc. regarding Emergency Suspension
- Strems Law Firm--Sonia Ortiz Amended Complaint
- Strems Law Firm--JS letter to Fla. Bar
- Strems Law Firm--Contingency Fee Agreement
- Strems Law Firm--Emergency Suspension Ruling
- Strems Law Firm--Emergency Suspension
- Public Adjusters--Appraisal, Questions to Paul Handerhan
- Public Adjusters--Appraisal, PA's As Appraisers
- Public Adjusters--Appraisal, "disinterested Means Pecuiary interest"
- Public Adjusters--Appraisal, "PA's as Appraisers May Be History"
- Public Adjusters--Appraisal, State Farm v. Crispin
- Public Adjusters--Appraisal, State Farm v Sanders
- Public Adjusters--Appraisal, New York Standard Fire Policy
- Lawsuit legislation '20--Floor Vote HB-7071
- Lawsuit legislation '20--Overview of Contingency Fee Multipliers
- Lawsuit legislation '20--Homeowers Shfited
- Lawsuit legislation '20--Rising Reinsurance is the key
- Lawsuit legislation '20--Rates Keep Climbing
- Article '20--Opinion, Sun Sentinel
- Lawsuit legislation '20--Benefits of Tort Reform, 2018
- Lawsuit legislation '20--Opinion, Florida Today
- Lawsuit legislation '20--the Tort Tax
- Lawsuit legislation '20--Exorbitant Atty Fee's
- Demotech--Article by Peter Schorsch, January 29, 2020
- Demotech--Article by Amy O'Connor; January, 2020
- Demotech--IJ article, January 23, 2020
- Demotech--Article updating 2020 FSR's
- Demotech-Insurance Journal, April 2017
- Demotech letter regarding 2020 Downgrades--12/20/19
- Citizens email, regards AOB claims, January 2020
- Dr. Gary Rosen, RAF New AOB Form
- Dr. Gary Rosen, Email
- Dr. Gary Rosen, Resume
- Ark Royal Case, Supreme Crt Rules not to hear
- Ark Royal Case: Restoration 1 v. Ark Royal
- Ark Royal Case: Supreme Court Pulls out of Insurance Dispute
- Ark Royal Case: Supreme Court Halts Review of Controversial AOB Case
- Rytech's Growing Team
- Public Adjusters--Crossing the Rubicon, Arrest Affidavit, Less Redacted, including many homowners
- Public Adjusters--Crossing the Rubicon, Arrest Affidavit; Felix Bravo & Barbara Maria Diaz de Villegas (AKA Barbara M. Gonzalez)
- Public Adjusters--Crossing the Rubicon, Arrest Affidavit; ALexander & Barbie
- Public Adjusters--Crossing the Rubicon, Citizens SIU Report
- CPC Compilation of AOB Victims/video Testimonials
- CPC Compilation of AOB Editorials--2017 thru 2018
- CPC Compilation of Media Coverage,AOB: 1/1/18 to 1/1/19
- AOB Legal Service of Process Data--2006 thru 2017
- OIR Informational Memorandum
- Sunshine State News--AOB Abuse King Addresses His Army of Vendors, Vowing to Get Around the NEw Law
- Articles and relevant media on AOB reform
- House vote--Final Passage, HB-7065
- Senate Vote--Final Passage, HB-7065
- Insurance Journal article--May 1, 2019
- Sunshine State News article--April 29, 2019
- FLAPOL article--April 27,2019
- S&P Global article-June 5, 2019
- Johnny Appleseed Video-Article
- Email Exchange with Gary Rosen
- Assignment of Benefits--Bad Apples PP for American Integrity
- Assignment of Benefits--FLARS PP, SB-122
- Assignment of Benefits-Gary Rosen PP, SB-122
- Lightning Report, Annual--2018
- Assignment of Benefits--HB-7065 House Vote
- Assignment of Benefits--HB-7065 Senate Vote
- Assignment of Benefits--HB-337
- Assignment of Benefits--HB-7065 AOB Reform, 1st Engrossed
- Peoples Trust--Travels & Massages
- Assignment of Benefits--CFO Letter, CFO Incensed
- Assignment of Benefits--TOP lawsuits by Policies in Force
- Assignment of Benefits--RAF Town Hall Meeting
- Assignmnet of Benefits--RAF Town Hall meeting
- Assignment of Benefits--RAF Op-ed by Richard Diaz
- Assignment of Benefits--Desantis,
- Assignment of Benefits--CFO letter to Florida Bar Association
- Assignment of Benefits--RAF Attorney Members
- Assignment of Benefits--Presentation by Ken Bell
- Assignment of Benefits--RAF Annual Report
- Assignment of Benefits--Carriers can solve the AOB crisis
- Assignment of Benefits--OIR pushes back on RAF
- Assignment of Benefits--Complaints about Complaints
- Assignment of Benefits--RAF Op-ed
- Assignment of Benefits--RAF lashes out at Patronis
- Assignment of Benefits--Johnny Appleseed
- Assignment of Benefits--Contractors Miffed!
- Assignment of Benefits--article on House Insurance Chair & AOB
- Assignment of Benefits--Deblander's Response
- Assignment of Benefits--Highest Rates Article
- Assignment of Benefits--Top AOB Vendors
- Assignment of Benefits--Top Plaintiff Law Firms
- Assignment of Benefits--Citizens 2019 Rate Kit
- Assignment of Benefits--Merlin Attacks Scott Johnson
- Assignment of Benefits--Merlin Blog AOB
- Assignment of Benefits--Citizens Press Release 12/2018
- Assignment of Benefits--Citizens Rate Hike
- Assignment of Benefits--Insurance Information Institute
- Assignment of Benefits--Steve Pociask; Bad Politics Blocks AOB
- Assignment of Benefits--SB-122 by Broxson, 2018
- Citizens 2018--presentation by Barry Gilway
- Assignment of Benefits--Vargas on AOB
- Politics Blocks AOB--article by Steve Pociask
- PublAdjuster--Flyer "Call us Before Your Insurance Company
- PublAdjuster--Flyer "Call us Before Your Insurance Company
- Pairs and Sets Statute--fs. 626.9744
- Assignment of Benefits--Bar Exam Failures
- Assignment of Benefits-Floor Vote HB-7015
- Assignment of Benefits--Public Adjuster violation of Fee Cap Case
- Bad Faith--October, 2018. Two court decisions
- Assignment of Benefits--Public Adjuster violation of Fee Cap Case
- Public Adjuster--Fee Statute
- Public Adjusters--Do PA's Charge too much?
- Public Adjusters: Espinosa Case, Murder Plot
- Public Adjuster: Espinosa Case
- Assignment of Benefits--Plumbers Beware!
- ASSIGMMENT OF BENEFITS--CFO arrests Tim Cook, arrest affidavit
- Assignment of Benefits--CFO arrests, News Journal
- Assignment of Benefits--Dave DeBlander, AOB Contract
- Assignment of Benefits--Dave DeBlander opinion on industry
- Public Adjusters--Espinosa Sr. Gets 20 Years
- Assignment of Benefits--CFO Arrests Restoration Vendor
- Assignment of Benefits--Chamber AOB Op-ed
- Assignment of Benefits--FAIR'S AOB Petition
- Assignment of Benefits--Legislature will Regret Failing to Tackle AOB Abuse
- Assignment of Benefits--Consumer Protection Coalition, Hurricane Warning
- Auto--Five Lawyers Arrested
- Assignment of Benefits--Cohen Flyer for Senator Farmer
- Assignment of Benefits--Senator Farmer Lobbying for Trial Bar
- Assignment of Benefits--Looting by Lawsuit
- Citizens--Op-Ed in Tampa Bay Times
- Assignment of Benefits--Representative Vargas; April, 2018
- Assignment of Benefits--CFO Fraud Warning, Irma.
- Assignment of Benefits--Insurance Journal, Rytech
- Assignment of Benefits--Happy Hour with Gary Farmer, 2018
- Assignment of Benefits--FAIR endoresement by Jay Neal
- Assignment of Benefits--Opinion, Insurance Journal
- Assignment of Benefits--Op-ed by Consumer Institute: June,2018
- Assignment of Benefits--FAIR opinion on AOB/Cat Fund
- Assignment of Benefits--AOB contract sample; consumer refused to sign
- Irma Presentation--1-30-18
- Irma Presentation--1-30-18
- Assignment of Benefits--OIR 2018 Data Call Report
- Assignment of Benefits--SFR Roofing Flyer
- Assignment of Benefits--Calstrom Roof Damage
- Assignment of Benefits--Steve Pociask editorial
- Asssignment of Benefits--Top Plaintiff Law Firms & AOB Contractors
- Assignment of Benefits--Arbitration required before AOB
- Assignment of Benefits--Simbro Affidavit by Kellie Clark
- Assignment of Benefits--Insurer's Share Blame
- Assignment of Benefits--What Could Raise Rates
- Assignment of Benefits--Heritage Mole Article
- Public Adjusters--CARe Consumer Advisory
- Assignment of Benefits--Strems Law Firm
- Assignment of Benefits--WHO PAYS?
- New Citizens Managed Repair Program--Survival Tactics fo PA's Water Mit Contractors
- The AOB Problem
- Citizens 2018 Rate Hearing--Opening Comments
- The Non-Weather Claims Explosion
- SInkholes & AOB Abuse--One Success; One to go
- Assignment of Benefits--Roofing Flyer
- Flood--The Folly of Paying Americans to Live in Harms Way
- Flood Reforms--2014
- Assignment of Benfits--Insurance Companies Forcing Their Way Into Policyholder's Homes into
- Public Adjusters--FAPIA 2016 Membership List
- Homeowner's Claims Bill of Rights--Fs; 627.7142
- Assignment of Benefits--Citizens MRP Approved
- Assignment of Benefits--"Take it or Leave it" The Response to William Stander by Don Phillips
- Assignment of Benefits--"Take it or Leave it" Response by William Stander
- Public Adjusters--2016 DFS listing
- Assignment of Benefits--Survival Tactics for PA's & Water Mit Contractors
- Public Adjusters--The History of Public Adjusters
- Assignment of Benefits--"Take it or Leave it" as published at InsuranceJournal.com
- Assignment of Benefits--"Take it or Leave it"
- Assignment of Benefits--"Take it or Leave it"
- Assignment of Benefits--A New Kind of Storm
- Assignment of Benefits--Florida Market Faces New Storm
- Assignment of Benefits--Op-ed by FLARS President, Jeff Grant
- Assignment of Benefits--Simbro Group LLC, Roofing
- Assignment of Benefits--Consumer Protection Coalition
- Assignment of Benefits--Wall Street Journal article
- Assignment of Benefits--Article; Judicial Hellholes
- Assignment of Benefits--Wall Street Journal article
- Assignment of Benefits--Citizens press release, March 29, 2017
- Assignment of Benefits--Cohen & Grossman, Legal Malpractice
- Assignment of Benefits--Article, Florida a Judicial Hellhole
- Assignment of Benefits--The Big Rip-off: Top 5 Strategies of Insurance Fraudsters
- Article--Despite lack of hurricanes, claims abuse driving up Citizens Premiums
- AOB Abuse by the Numbers--Article by Ins. Journal
- Cohen Grossman--Legal Malpractice Lawsuit
- Assignment of Benefits--William Large article, 2017
- Assignment of Benefits--Article by Mike Moline
- Assignment of Benefits--AOC vs AOB
- Assignment of Benefits--SB-1038 by Senator Hukill
- Assignment of Benefits--Florida's Trial Bar Hurricane
- Assignment of Benefits--White Paper by Delegal and Kalifeh
- Assignment of Benefits--Strems Law Firm; Groelle & Salmon
- Chamber 2017--AOB presentation, ASI
- Chamber 2017--AOB presentation, Citizens
- Chamber 2017--AOB presentation, Roofers
- Assignment of Benefits--Citizens Top 20 Opposing Firms
- Assignment of Benefits--Public Adjuster arrested,
- Assignment of Benefits--Public Adjuster arrested
- Assignment of Benefits--Attorney Fee's Article by Michael Moline
- Assignment of Benefits--Strems Law Firm
- Assignment of Benefits--United Water, Letters from Patricia Bloebaum
- Assignment of Benefits--United Water, Door Hanger
- Assignment of Benefits--Strems Law Firm
- Assignment of Benefits--OIR After Atty Fees; Article
- Assignment of Benefits--Strems Law Firm
- Assignment of Benefits--United Water, Plumber Follow up
- Assignment of Benefits--Merlin; Motion for Sanctions
- Assignment of Benefits--Merlin; Opinion & Order
- Assignment of Benefits--Merlin/Sean Shaw; "Anybody But.."
- Assignment of Benefits--Merlin/Blog on Insurance Fraud Stats
- Assignment of Benefits--Merlin/Pettinato case
- Assignment of Benefits--Managed Repair, NIRC Articles of Incorporation
- Assignment of Benefits--Managed Repair Petition
- Assignment of Benefits--Managed Repair article by AAPIA
- Assignment of Benefits--Citizens Cuts Back Managed Repair
- Assignment of Benefits--Daytona Beach News Journal
- Assignment of Benefits--Saint Petersblog
- Assignment of Benefits--United Water Flyers, Hurricane Jeffrey
- Assignment of Benefits--Public Adjuster solicitation, Hurricane Jeffrey
- Assignment of Benefits--ACTION 9 Investigates United Water
- Assignment of Benefits--ACTION 9, What to Avoid when Contractors Come Knockin
- Assignment of Benefits--Hurricane Jeffrey Fraud Warning
- Assignment of Benefits--Hurricane Jeffrey Fraud Warning
- AUTO--PIP study by Pinnacle, 2016
- AUTO--PIP study by Pinnacle, 2016
- Assignment of Benefits--United Water, letter
- Assignment of Benefits--United Water plumber notes
- Assignment of Benefits--United Water Restoration BBB Complaints
- Assignment of Benefits--Palm Beach Post Editorial
- Assignment of Benefits--Public Records Requests
- Assignment of Benefits--Public Records Requests
- ELR Restorations, Inc--Door Knob Flyers,
- ELR Restorations, Inc--BBB Complaint Summary
- Assignment of Benefits--Troubled Water
- Assignment of Benefits--Op-ed by Scott Johnson
- Assignment of Benefits--Citizens Policy Changes
- Assignment of Benefits--Citizens Rate Increase
- Assignment of Benefits--Power Point slides of Presenters
- Assignment of Benefits--Op-ed by FPCA
- Assignment of Benefits--Tampa Times
- Assignment of Benefits--PIFF warns of AOB abuse
- Assignment of Benefits--Citizens Rate Increase
- Assignment of Benefits--Heritage rate increase of 14.9%
- Assignment of Benefits--Five Roofing Flyers after Hail Storm
- Assignment of Benefits--Plumber Invoice
- Assignment of Benefits--Fire Chasers ad in Craigslist
- Assignment of Benefits--Citizens Press Release,
- Assignment of Benefits--Alan Daley: The New Magnet for Insurance Scams
- Assignment of Benefits--Angelica Sigler; Summary of criminal history & background
- Assignment of Benefits--Angelica Sigler; Moisture Rid
- Assignment of Benefits--Angelica Sigler Corp papers
- Assignment of Benefits--Angelica Sigler Corp papers
- Assignment of Benefits--Angelica Sigler Corp papers
- Assignment of Benefits--Angelica Sigler Corp papers
- Assignment of Benefits--Angelica Sigler Corp papers
- Assignment of Benefits--Angelica Sigler; FDLE Criminal report
- Assignment of Benefits--Citizens AOB memo; February, 2016
- Assignment of Benefits--Call Citizens First articles
- Assignment of Benefits--Citizens Water Loss Clarification
- Assignment of Benefits--Angelica Sigler; arrest affidavit
- Assignment of Benefits--Bioscience vs Gulfstream
- Assignment of Benefits--Sunshine State News Editorial
- Assignment of Benefits--Citizens Water Damage articles
- Assignment of Benefits--Tower Hill
- Assignment of Benefits--ELR Door knob hanger
- Assignment of Benefits--Cardenas Law Firm vs Southern Fidelity
- Assignment of Benefits--Arrest Affidavit in the matter of ARKO Plumbing
- Assignment of Benefits--Citizens atty fees paid
- Assignment of Benefits--Bascuas vs Citizens
- Assignment of Benefits--Plumbers Wanted!
- Assignment of Benefits--Glady's Cardenas vs Southern Fidelity Insurance Company
- Assignment of Benefits--OIR AOB Data Call Report
- Assignment of Benefits--Citizens, Non-Catastrophic HO's Water Claims
- Assignment of Benefits--Sun Sentinel Article 1/16/16
- Assignment of Benefits--SB-1248 by Diaz de la Portilla
- Assignment of Benefits--Water Extraction; two examples
- Assignment of Benefits--pic of water extraction advertisement
- Assignment of Benefits--Plumbers Wanted;
- Assignment of Benefits--Forbes Magazine by Steve Pociask
- Assignment of Benefits--Channel 10 News Story
- Flood--PC 360 article, 10/05/15
- Assignment of Benefits--AAPIA article on AOB overreach
- Assignment of Benefits--Commentary on CPCPI's Founding
- Assignment of Benefits--Commentary on CPCPI's Founding
- Assignment of Benefits--SB-596, CPCPI endorsement
- Assignment of Benefits--SB-596 by Hukill; 2016
- Assignment of Benefits--Citizens atty fees paid
- Assignment of Benefits--OIR Data Call
- Assignment of Benefits--G&R Plumbing; inflated invoice
- Assignment of Benefits--Arrest Affidavit in the matter of ARKO Plumbing
- Assignment of Benefits--Citizens Litigated Claims Update
- Assignment of Benefits--Cohen & Battisti promotes FLARS membership
- Assignment of Benefits--Attorney involvement; Operation Flames & Flood
- Assignment of Benefits--Citizens Water Damage Presentation
- Assignment of Benefits--Ericksons AOB Contract
- Assignment of Benefits--ELR Restorations, Inc
- Assignment of Benefits--Homestead Exemption Defense
- Assignment of Benefits--State 2 State vs FPIC
- Assignment of Benefits--Attorney Fee's; Citizens vs Bascuas
- Assignment of Benefits--White Paper by Delegal & Kalifeh
- Assignment of Benefits--Attorney Fee's; Citizens vs. Bascuas
- Assignment of Benefits--Strems Law Firm; insurer lawsuits filed; 1/1/14 to 10/1/15
- Assignment of Benefits--Strems Law Firm; Multiple suits
- Assignment of Benefits--Strems Law Firm, Greg Saldamando
- Assignment of Benefits--Strems Law Firm; Greg Saldamando Suits
- Assignment of Benefits--Strems Law Firm
- Assignment of Benefits--Strems Law Firm suits by carrier
- Assignment of Benefits--Fraud & Public Adjusters
- Assignment of Benefits--Strems Law Firm, Tally Sheet
- Public Adjusters--Emergency Services 24
- Assignment of Benefits--Strems Law Firm; SOP Cover Letters
- Assignment of Benefits--AOB Fraud & Public Adjusters
- Assignment of Benefits--Letter repudiating use of AOB by IFW
- Assignment of Benefits--PA Contract w/ AOB
- Assignment of Benefits--Atty Fee Awards Against Cohen & Battisti/Springhill Builders
- Assignment of Benefits--Atty Fee Awards Against Cohen & Battisti/NextGen
- Assignment of Benefits--Articles on Citizens Rate Filing
- Assignment of Benefits--Article by Charles Elmore
- Assignment of Benefits--ICA Letter to Kevin McCarty
- Assignment of Benefits--Strem Law Firm; DFS Transmittal letter
- Assignment of Benefits--Strems Law Firm SOP Report
- Assignment of Benefits--Lavender Letter of Apology
- Assignment of Benefits--Direction to Pay Contract
- Assignment of Benefits--PA Contract w/AOB
- Assignment of Benefits--Flames & Flood Summary
- Assignment of Benefits--Flames & Flood News Articles
- Assignment of Benefits--OIR's opposition to Certification
- Assignment of Benefits--OIR's Oppostion to rehearing
- Assignment of Benefits--FPCA Motion in SFIC appeal
- Assignment of Benefits--FPCA Amicus SFIC case
- Assignment of Benefits--Operation Flames & Flood; Claim Summary Sheet
- Public Adjusters Contract--Michigan
- Public Adjusters Contract--Illinois
- Assignment of Benefits--Miami Herald Op-Ed
- Assignment of Benefits--Citizens Rate Change
- Assignment of Benefits--1st DCA State Farm Decision
- Citizens--Presentation to FHCF, Insurers Workshop, June, 2016
- Citizens--presentation to FHCF by Barry Gilway--June, 2015
- Assignment of Benefits--Colodny Fass Release, 1St DCA decision
- Assignment of Benefits--SFIC Press Release
- Assignment of Benefits---GOT HAIL?
- Assignment of Benefits--Ocala Star Banner, Editorial
- Assignment of Benefits--Article by Peter Schorsch
- Assignment of Benefits--Citizens SIU Referrals
- Assignment of Benefits--Article by Jason B. Wolf, Esq.
- Assignment of Benefits--1st DCA decision
- Assignment of Benefits--Arrest Affidavit
- Assignment of Benefits--Envirotech
- Assignment of Benefits--Flood & Flames arrest affidavit
- Assignment of Benefits--Bone Dry Invoice
- Assignment of Benefits--Bone Dry Contract
- Assignment of Benefits--FLARS Amended Articles of Incorporation
- Assignment of Benefits--FLARS Original Article of Incorporation
- Assignment of Benefits--Noland Roofing & Lee Jacobson
- Assignment of Benefits--FLARS Domain Registration
- Assignment of Benefits--Citizens Top Ten opposing atty's by "property" cause of loss
- Assignment of Benefits--CItizens top ten opposing attorneys
- Assignment of Benefits--Delta Management
- Assignment of Benefits--ELR Roofing
- Assignment of Benefits--Noland Roofing
- Assignment of Benefits--Jasper Roofing
- Assignment of Benefits--Dimensional Roofing
- Assignment of Benefits--Ripoff Report on Noland Roofing
- Assignment of Benefits--Orlando Sentinel Editorial
- Assignment of Benefits--Bone Dry TV Interview
- Assignment of Benefits--Roofing Flyer #5
- Assignment of Benefits--Roofing Flyer #4
- Assignment of Benefits--Roofing Flyer #3
- Assignment of Benefits--Roofing Flyer #2
- Assignment of Benefits--Roofing Flyer #1
- Reinsurance--Atwaters letter to McCarty
- Reinsurance--McCarty's 2nd response to Atwater
- Reinsurance--McCarty's response to Atwater
- Assignment of Benefits--1st AOB lawsuit
- Assignment of Benefits--United Water, Plumber Fees
- Assignment of Benefits--Cohen & Battisti
- Assignment of Benefits--AAA Roofing Flier
- Assignment of Benefits--Roofer w/ PA assignment
- Assignment of Benefits--Florida Peninsula
- Assignment of Benefits--Nextgen Restoration, Inc
- Assignment of Benefits--Emergency Services 24, Inc
- Assignment of Benefits--Speed Dry, Inc
- Assignment of Benefits--United Water Restoration
- Assignment of Benefits--Restorations Unlimited
- Assignment of Benefits--Olympus
- Assignment of Benefits--Groelle & Salmon
- Assignment of Benefits--Citizens
- Assignment of Benefits--Citizens
- Assignment of Benefits--Olympus
- Assignment of Benefits--Groell & Salmon
- Civil Remedy (CR)--CIvil Remedy Notice (CRN)
- Assignment of Benefits--Anonymous Letter, Attachment
- Assignment of Benefits--House Insurance Workshop Materials
- Top 25 carriers--Premiums Written, Sept 2014
- Top 25 Carriers--Policies in Force, Sept. 2014
- Assignment of Benefits--Water extraction, Example 4
- Assignment of Benefits--Water extraction, example 3
- Assignment of Benefits--Water extraction, example 2
- Assignment of Benefits--Water Extraction, Example 1
- Assignment of Benefits--DFS Data on Lawsuits filed against insurers
- Assignment of Benefits--DFS Data on Lawsuits filed against insurers
- Assignment of Benefits--DFS Data on Lawsuits filed against insurers
- Assignment of Benefits--DFS Data on Lawsuits filed against insurers
- Assignment of Benefits--Groelle & Salmon
- Assignment of Benefits--DFS Data on Lawsuits filed against insurers
- Roofing--Consumer Advisory
- Assignment of Benefits--Florida's Lien Law
- Rytech; Why Rytech for Carrier's
- Public Adjusters; Consumer Group Warnings
- Public Adjusters--Sandy victim wins lawsuit
- Public Adjusters--Direct Payment
- Citizens; Takeout article
- Auto; PIP Editorial
- Auto; PIP Editorial
- Auto; PIP Editorial
- Auto; PIP Editorial
- Assignment of Benefits; SFIC/OIR lawsuit
- Assignment of Benefits; Fraud Task Force Advisement
- Assignment of Benefits; Plumber Referral Fee's
- Assignment of Benefits; AIIC Blog
- The Property Insurance Debate II
- The Property Insurance Debate
- Protecting Your Paycheck
- Public Adjusters--blog by Dick Tutwiler
- Citizens & Weiss Ratings
- Citizens & Weiss Ratings
- Citizens Travel--report from Jim Turner
- Citizens Travel--Letter from ABIR
- Citizens Travel Saves Money
- Citizens Travel & The Palm Beach Post
- Public Adjusters--Leverett Case
- Public Adjusters--Orlando Sentinel article
- Public Adjusters--Posts by Chip Merlin
- Public Adjusters--CFO Arrest of Robert Eugene Leverett II
- Peoples Trust End Note
- Peoplest Trust Exposure Management Summary
- Citizens Board Appointment; Op-ed by Chip Merlin
- Auto--No-Fault Op-ed; March 26, 2014
- Public Adjusters--FAPIA letter 2014
- AUTO--PIP Rates from OIR; January 2014.
- Blogger's 1st Amendment Case
- Flood Op Ed--The Science of Flood
- CFO Atwater's Letter to Senator Bill Nelson
- OIR Fast Facts 2013
- AUTO--Scrap PIP
- Fraud Statistics Florida 2013
- Bad Faith, "Why People Keep Suing Property Insurance Companies"
- AUTO--The Fraud of Florida No-Fault
- AUTO--The Fraud of Florida No-Fault
- Citizens Clearinghouse---Citizens pays and pays
- Universal article by Action 9 News
- Assignmet of Benefits--Let's Get Ready to Rumble!
- ICA Working Group Memo--2013
- ICA Working Group Bill Draft--2013
- ICA Working Group Final Report--2013
- Sinkholes--Court Decision on Structural Damage 9/3/13
- Citizens: 9/9/13 letter from Rep. Tom Lee
- Willis CEO asserts stand on Contingent Commissions
- Citizens: Clearinghouse Action Item
- CITIZENS SIU Cases of Interest
- CITIZENS Water Loss Update
- CITIZENS Claim Frequency Analysis--Citizens-only Data
- Public Adjusters; NAPIA Responds
- Universal Order--Article by Palm Beach Post
- Universal Order--Article by Herald Tribune
- OIR Order regarding Universal Property & Casualty, 2013
- Citizens--ICA Report on Assessments Pulled from Web
- PIA Claims Victory
- Assignment of Benefits--Consent Order for "Emergency Services 24, INC.
- The Florida Property Market: Finding the Right Marriage of Money, (Residual) Markets and Mitigation
- CITIZENS Policyholders by voting district
- Citizens: Internal Complaints--a list of internal personnel complaints released by Citizens February, 2012
- Public Adjusters--New Jersey Assembly bill SB 2472
- Public Adjusters--AAPIA letter of Explanation
- Public Adjusters--NAPIA letter to New Jersey Assembly
- Public Adjusters--Arrest Affidavit
- Tricks of the Trade--How Insurance Companies Deny, Delay, Confuse & Refuse
- The Ten Worst Insurance Companies in America
- Public Adjuster--Amended Complaint challenging the Fee Statutes
- Public Adjusters; article for Miami Herald
- Flood Reforms--2012
- Citizens--Public Adjuster advertising
- Citizens--SNL Article on Gilway & 2012
- Citizens--Inspector General; Op-ed from Johnson Strategies, LLC
- CITIZENS--Public Adjusters involved in Citizens Claims
- Citizens Public Adjusters by Cause of Loss; 2012
- Citizens--Public Adjusters by Cause of Loss; 2012
- Citizens; CFO Atwater's Letter to Governor Scott
- Citizens; Plaintiff Attorney Pending Suits, 2012
- Citizens Sinkhole Law Firms;2012
- CITIZENS SINKHOLE UPDATE--November, 2012
- FIGA 2012 Assessment--Impact
- FIGA 2012 Assessment Notice
- Universal P & C--Claim Denials
- Universal P & C--Claim Denials
- Universal P & C--Claim Denials
- Public Adjusters: Espinosa Case
- Public Adjusters: Espinosa Case
- Spitzer Suit Dismissed--
- Citizens--Letter from Weatherford to Lacasa
- Citizens; letter from Weatherford to Lacasa
- CITIZENS--Barry Gilway's letter to Artiles
- CITIZENS MEDIA ADVISORY--Surplus Notes; 10/12
- Citizens Media Reports; weekend of 9-7-12
- Public Adjuster Referral Network
- Insurance Residual Markets: Historical & Public Poicy Perspectives
- Citizens; dual opinions in the Tallahassee Democrat
- AUTO--OIR CHOICES Website; Three Risk Configurations
- Auto--IMPACT ANALYSIS OF HB-119; August 20, 2012
- State of Florida's Homeowners' Insurance Market; June 26, 2012
- Citizens Commissions Compared to Private Market & Other States
- CFA vs Heartland; 2012--Articles on Mckinsey/Allstate & Repeat Offenders
- CFA vs Heartland; 2012--Heartland's Response to CFA
- CFA vs Heartland; 2012--Statement on Long Term Solutions Task Force
- CFA vs Heartland; 2012--Repeat Offenders
- Windstorm Coverage Fund (WCF)
- Statewide Wind Pool; Crane Group Proposal--March 30, 2008
- Insurance Consumer Advocate Report; 4/2/12--Potential Assessments from Florida Hurricanes
- Citizens; Statewide Windpool Article by John Reiners; Hernando Today, 6/18/12
- Citizens; Statewide Windpool Article by Aisling Swift, 6/19/12
- Citizens; Statewide Windpool Article by Fasano; 6/15/12
- Property Insurance Commentary by Sen. Richter and Rep. Nelson
- Rate Hikes, 2012
- Insurance Regulatory Report Card--2011
- Rate Hikes; articles by Julie Patel, 2011
- Insurance Regulatory Report Card--2012
- FOUITFWCR
- Citizens Depopulation Count--2003-2012
- Citizens New Applications by County; 1st Quarter, 2012
- Citizens New Applications by County
- Complaint Report Analysis by Brent Winans--2010
- Complaint Ratio Report--2010
- Peoples Trust Complaint Analysis
- Citizens Commisions; Study by OIR, 3/26/12
- Citizens; We Will Not Budget for Growth
- Rebating; Federal Memo Prohibiting
- Peoples Trust Flyer; Circa 2009
- Public Adjuster Rule; Draft--March 2012
- PA Advertorial by Pat Cucarro
- Citizens; PA comments about limits on remuneration for Citizens claims
- FCAN Supports CAT Fund Bill
- Chip Merlins Blog
- Voluntary Market Commission Percentages
- Pat Cucarro Advertorial
- Mitigation White Paper; Press releas by FAIA
- FSU Study--The State of Florida's Property Insurance Market; 2011
- Citizens Depopulation To-Do List
- Fasano's Letter to Senator Richter; 12/14/11
- Homeowners Choice Agent Contract
- Citizens; Builders Risk Policies
- Citizens Mission Review Task Force--1/30/09
- Citizens Replacement Cost
- Auto; Evaluation of OIR Pip Report
- US BANK RESCINDS SINKHOLE REQUIREMENT
- OIR Update on HB-99 and SB-408; by Belinda Miller
- Citizens; Consumer Choice
- Sean Shaw article: Advocates Won't Stop Fighting
- Citizens; Idea's To shrink it's Size
- Sinkholes; By Steve Pociask
- ACIL Letter from Steve Pociask
- Citizens Sinkhole Law Firms; Combined Report
- Auto; PCI Fraud Report. October 27, 2011.
- TAX WATCH...Special Report; April 2010.
- Citizens Cabinet Presentation; November 2, 2011
- Auto; PIP Presentation to Cabinet
- Auto; Statement by the American Insurance Association
- Auto, Interim Report on the Effect of Repealing PIP
- Auto, Interim Report on the Effect of Repealing PIP
- Auto; Senate B&I Issue Report on PIP
- FHCF Presentation; Claims-Paying Capacity;
- Public Adjuster, Martyn Belben's Response
- Citizens; Bill Newton's Blog Response
- Citizens Rate Advantage:
- Citizens Board, Depopulation Options
- Deductibles Statute, Fs 627.701
- Citizens SInkhole FAQ--Inspections, definitions & procedures
- Citizens Sinkhole Law Firms--Dwelling Policies
- Citizens letter; From Rep. Proctor to Scott Wallace. 7/14/11
- Citizens Sinkhole Law Firms
- Citizens; The Basics by Sharon A. Binnun, CPA, Chief Financial Officer
- Citizens Sinkhole Articles; Favorable
- Reinsurance & The Florida Insurance Market
- Citizens; September, 2011
- Florida Guaranty Funds; P&C
- Reinsurance Market Conditions; September 2011
- Catastrophe Fund by Jack Nicholson, Phd. September, 2011
- Citizens Plan of Operation
- Citizens Statute
- Citizens Sinkhole Rate Phase In
- Citizens Sinkholes; Statement by Robin Westcott
- Newton & Stevans; comments about the sinkhole rate increase of Citizens
- Homewise Receivership Consent Order
- Sinkhole Issues; Interim Report 2011-104
- Sinkhole Articles
- Sinkhole Articles
- Platforms of Success
- CItizens Bill; SB-1330
- Citizens; Senate Issue Brief, September 2011
- Rebating Issues; History & Background, Florida
- Rebating; Original Florida Case
- IIABNY Appeals Decsision--9/1/2011
- Citizens Bill Comparison; 2011
- Insurance Reform Bill Comparison; 2011
- Letter on The Hidden Hurricane Tax; April 25, 2011
- Waiting For Hurricane Charlie; WSJ Article
- Public Adjuster Advertising Laws
- Public Adjusters-Advertorial by FAPIA President
- Spitzer/Cuomo Editorial; WSJ
- KICKBACK by Scott Johnson
- Spitzer's $60 Million Libel Lawsuit
- GAO Report on Catastrophe Insurance Programs
- Surplus & Underwriting Results; 3rd Quarter 2010
- Sinkhole Booklet by OIR
- Coastal Risk Analysis--Insurance Information Institute; June 2007.
- Citizens & Cat Fund Article by Eli Lehrer
- Citizens Outsourcing RFP
- Citizens, Policies by County
- Citizens 1st Quarter Financials, 2011
- Citizens Operating Budget, 2011
- Sinkhole Data Call Report by OIR; 2010
- Surplus & Underwriting Totals; as of 12/31/09
- NGIC Rehabilitation Order; August 2011
- Citizens; Sinkhole increase, articles and announcements
- Citizens; OIR order, Glide Path increase; October 2009
- OIR Presentation, Senate B&I; State Farm Withdrawal, 2/19/09
- OIR presentation; Cabinet mtg 3/23/10
- OIR Update on Florida Market; October, 2009
- OIR Cabine Presentation; August 11, 2009
- OIR Sinkhole Presentation; House Insurance 2/9/11
- OIR Cabinet Presentation; January 13, 2009
- OIR Presents to House Insurance; January 2011
- Rate Hearing--Castle Key; July, 2011
- Rate Hearing--Hartford AARP; June, 2011
- Rate Hearing--Castle Key; July, 2011
- SB-408--2011's General Property Reform Package
- Report of Aggregate Net PML & Assessments; February 2011
- Public Adjusters Louisiana--House Concurrent Resolution, 220
- Citizens; Moody's report on Citizens Bond Issue, July 2011
- Citizens Bond Offer; WSJ article July, 2011
- The Bottom Line--article rebutting attacks on Reinsurance Industry
- Rate Hearing--First Community; March 2011
- Rate Hearing--First Home; December 2010
- Rate Hearing--Florida Peninsula
- Rate Hearing--State Farm; February 2011
- SB-408; 2011's General Property Reform Package
- Public Adjusters Alabama: Article and ABA Notice
- Auditor General's Full OIR Audit Report
- Top 25 Carriers; Structure Exposure
- Top 25 Carriers; Policies Non-renewed
- Top 25 Carriers; Cancelled Policies
- Top 25 Carriers; New Policies
- Top 25 Carriers; Premiums Written
- Top 25 Carriers; Policy Count
- Citizens Comparisons; RMS Models 10, 11,
- Citizens Op Ed by Don Brown
- RMS Model Comparison for Monroe County
- OIR's 2011 Legislative Summary
- Sinkhole Structural Damage Decision
- Sinkholes 2011; Wallstreet Journal article by Leslie Scism
- Sinkhole Handout; 2011
- ACV-RCV Handout; 2011
- Residual Mrkt Plans: From Markets of Last Resort to Market of First Choice
- OIR Sinkhole Data Call Report--2010
- Auditor General Report Summary; OIR, April 29--A summary of the audit of OIR's rate and solvency review process.
- Citizens, Cat Fund & Reinsurance Articles
- Dispelling Myths About MGA's
- FIRM presentation, November 2009 Citizens Rate Hearing
- AG's Summary of OIR audit; April 2011
- Articles; Citizens, Cat Fund, Reinsurance
- State Regulatory Report Card; "F" for Florida
- Citizens Takeout Companies, April 2010
- 2010 OIR Sinkhole Data Call
- OIR Fast Facts, 2010
- Citizens Cabinet Presentation Q&A; June, 2011
- Citizens Cabinet Presentation Q&A; June, 2011
- Citizens Cabinet Presentation; June, 2011
- Senate Interim Report on Sinkholes 2011
- Citizens Assessment; Amounts Received
- OIR Sinkhole Data Call--2010
- Sinkhole Study by Senate Staff
- Power Point for IIANC; Platforms of Success
- Citizens; A blank application for coverage
- OIR Bulletin on E&S--1997
- Sinkhole Study by Senate Staff
- Sinkhole Studies & Reports; OIR
- Stander vs Trigaux
- Quinnipiac Poll 2011
- Casualty Actuarial Society Presentation Excerpt - Lock Burt
- Chief Insurance Officer, Yong Gilroy comprehensive overview to Actuarial Society of Citizens history and operations
- PCI - Chamber Poll Topline
- PCI - Chamber Poll Findings
- Demotech explanation of Financial Service Ratings
- Insurance Residual Markets White Paper
- Citizens Inspection Results
- Kevin McCarty letter to Governor Crist in support of SB-2044
- OIR Memorandum on 100-year Requirement
- Florida Surplus Report June 2009
- Magnolia Liquidation Order
- Zurich Class Action Settlement Memo
- Willis Group calls on insurance industry to end practice of contingent agreements with insurance carriers
- Wharton Study
- New York Lawsuit Exhibits
- USA Today account of the charges
- Timeline and Chronology
- Timeline and Chronology of Events and Issues
- Signed Settlement
- The original complaint with Supreme Court
- Spitzer US Senate Testimony
- Spitzer NY Testimony
- Producer Compensation Issue Update
- NY Lawsuit
- People to call
- NAIC Documents
- Marsh Settlement
- Marsh & McLennan Companies
- AON SETTLES CORRUPTION PROBE
- THE SMALL LAWS: ELIOT SPITZER AND THE WAY TO INSURANCE MARKET REFORM
- Definition of Contingent Commissions
- Committees Ex Broker Settlement
- Broker Fees
- STATE SETTLES PROBE OF WILLIS
- Agent Leaders Counter RIMS Pres
- Agent Groups Rage Over Contingent Fee Issue
- PIA National Takes Issue with Plumeri's Comments
- Crist attacks insurance firms after his rate-cut vow is ignored
- Senator Mike Fasano Press Release
- Ratings Paper Executive Summary
- Florida OIR Annual Report
- Households Insured in Citizens By County (second chart)
- Households Insured in Citizens By County
- Florida Property Loss Reimbursement
- Personal Residential Rate Changes 2011
- CPIC Rate Inadequacy
- Citizens Market Share by County - Homeowners - September 2010
- Approved Rate Increases 2010
- Rick Scott Insurance & Tort Reform
- OPPAGA Report to Legislature on Public Adjusters