- Assignment of Benefits--Florida Market Faces New Storm - May 22, 2017, AM Best, Special Report
- Citizens & Cat Fund Article by Eli Lehrer - Florida deficit is a drop in the bucket compared with what all of us will owe if a major hurricane strikes; by Eli Lehrer with the James Madison Institute & VP of the Heartland Institute.
- Citizens & Weiss Ratings - A rebuttal by Joe Petrelli to the Palm Beach Post's editorial asserting that Citizens is the safest insurer.
- Citizens & Weiss Ratings - An editorial from the Palm Beach Post asserting that Citizens is the strongest Florida carrier
- Citizens 1st Quarter Financials, 2011 - As filed with the Office of Insurance Regulation, March 31, 2011
- Citizens 2018--presentation by Barry Gilway - Delivered to the Chamber of Commerce Insurance Summit, Miami, November, 2018
- Citizens 2022 Reinsurance White Paper-1-12-22 - Board member report regarding Citizens claims paying resources.
- Citizens Assessment; Amounts Received - A breakdown of the dollars received by Citizens from assessments. These a part of the existing surplus of $5 billion.
- Citizens Bill Comparison; 2011 - A comparison of major issues contained in the House and Senate Citizens bills; CS/SB-1714 and CS/HB-1243.
- CItizens Bill; SB-1330 - An overview of the need to reform Citizens as presented by Senator Allan Hays during the 2011 legislative session.
- Citizens Board Appointment; Op-ed by Chip Merlin - An op-ed in the Palm Beach Post criticizing Bette Browns appointment by Rick Scott to the board of Citizens.
- Citizens Board, Depopulation Options - A compilation, within the confines of existing statute and the Plan of Operation, of what Citizens could do to reduce the influx of new applications.
- Citizens Bond Offer; WSJ article July, 2011 - Article by Leslie Scism applies perspective to Citizens recent $900 million bond issue.
- Citizens Cabinet Presentation Q&A; June, 2011 - Rick Scott and the cabinet seek clarification on Citizens assessment burden and ability to respond to a storm.
- Citizens Cabinet Presentation Q&A; June, 2011 - Questions by the Governor and Cabinet of Susanne Murphy with Citizens regarding solvency and assessments.
- Citizens Cabinet Presentation; June, 2011 - The currents financial status and assessment burden of Citizens is presented to Governor Rick Scott and the Cabinet by Susanne Murphy.
- Citizens Cabinet Presentation; November 2, 2011 - Presented by Scott Wallace to the Cabinet sitting as the Financial Services Commission, regarding Citizens and what it can do to reduce it's footprint.
- CITIZENS Claim Frequency Analysis--Citizens-only Data - PLA PRM Claims from 2009 to 2012. Shows percentage by water peril.
- Citizens Clearinghouse---Citizens pays and pays - An article showing Citizens reputation for paying claims for ease of reference to blog on UPCIC's post loss underwriting; November 2013.
- Citizens Commisions; Study by OIR, 3/26/12 - commissions percentages for the top 10 property writers, compared to Citizens.
- Citizens Commissions Compared to Private Market & Other States - A paper prepared by the FAIA showing Citizens producer commissions do not impact depopulation.
- Citizens Comparisons; RMS Models 10, 11, - A series of exhibits comparing the RMS models via PML summary charts for the CLA, PLA and HRA of Citizens by Willis Re.
- Citizens Depopulation Count--2003-2012 - Total policies removed from Citizens under takeout arrangements and the related exposure amounts removed.
- Citizens Depopulation To-Do List - Exposure and Depopulation initiatives by Citizens broken down by timeline and effective date. 12/14/11.
- Citizens Inspection Results -
- Citizens letter; From Rep. Proctor to Scott Wallace. 7/14/11 - This letter asks four detailed and technical questions regarding a presentation given by Citizens to the Florida Cabinet.
- Citizens Market Share by County - Homeowners - September 2010 -
- CITIZENS MEDIA ADVISORY--Surplus Notes; 10/12 - A media announcement of the response given to Rep. Artiles on the advantages of the Surplus Note Program.
- Citizens Media Reports; weekend of 9-7-12 - A remarkable list of media reports on Citizens, regarding depopulation, staff expenses and its re-inspection program.
- Citizens Mission Review Task Force--1/30/09 - The final report of the statutorily created task force to recommend how to return Citizens to a last resort market.
- Citizens New Applications by County - New applications by county for the first quarter of 2011 and for the entire year, 2011.
- Citizens New Applications by County; 1st Quarter, 2012 - Each County for the first quarter is ranked; highest to lowest based on new applications.
- Citizens Op Ed by Don Brown - Is Citizens Strong and Profitable as alleged by some in the media?
- Citizens Operating Budget, 2011 - The full and complete operating budget of Citizens, including charts, recommendations, corporate structure, annual projects and projections and more.
- Citizens Outsourcing RFP - The Calendar for submitting proposals to provide a report on the costs and benefits of outsourcing policy issuance and service functions to private servicing carriers rather than performing such functions in house.
- Citizens Plan of Operation - Pursuant to statute and approved by the Financial Services Commission, this is the plan that governs the operation of Citizens.
- CITIZENS Policyholders by voting district - A press release with links to an online tool by AIF giving Citizens population based on voting districts.
- Citizens Public Adjusters by Cause of Loss; 2012 - Chart showing the percentage of PA involvement based on the top ten causes of loss.
- Citizens Rate Advantage: - Consists of three charts: one showing the rate increases for top 21 writers; one showing the weighted average compared to Citizens, and one showing market share of Citizens by county and policy type. As of September, 2011.
- Citizens Rate Comparison Study--Nov. 17 2021 -
- Citizens Replacement Cost - A "compilation" of articles and "Letters to the Editor" regarding the unfairness of Citizens new Replacement Cost Calculator.
- Citizens Sinkhole Articles; Favorable - Two articles that appeared to understand what actually took place at the hearing and the subsequent reduction of Citizens sinkhole rate request.
- Citizens SInkhole FAQ--Inspections, definitions & procedures - Explains and answers questions regarding Citizens new sinkhole inspection rule and other matters related to Sinkhole & Catastrophic Collapse coverage with Citizens.
- Citizens Sinkhole Law Firms - A public document request of OIR showing Citizens Sinkhole payout based on the law firm involved. 2006-2010.
- Citizens Sinkhole Law Firms--Dwelling Policies - A list of the firms and the amounts paid to their claimants for sinkhole claims on Dwelling policies; includes Incurred claim amount, Claim Count, and ALAE for the years 2006 thru 2010.
- Citizens Sinkhole Law Firms; Combined Report - A combination of the claims payout by law firm of Citizens HO-3's and DP forms. Top Ten Law Firms based on Number of claims are highlighted.
- Citizens Sinkhole Law Firms;2012 - A chart showing which law firms are responsible for filing Citizens sinkhole claims
- Citizens Sinkhole Rate Phase In - The board presentation regarding the phased in approach to Citizens Sinkhole rate increase. Includes a graph of the impact on each of Citizens territories.
- CITIZENS SINKHOLE UPDATE--November, 2012 - A Claims Committee update by Lance Malcolm to Citizens board.
- Citizens Sinkholes; Statement by Robin Westcott - Regarding the pending sinkhole rate increase hearing 9-13-11 scheduled in Tampa.
- CITIZENS SIU Cases of Interest - Delivered to the Claims Committee of Citizens on March 8, 2013 & containing four (4) examples of fraudulent water leak claims.
- Citizens Statute - The entire Citizens Statute FS 637.351(6)
- Citizens Takeout Companies, April 2010 - Columns of information on Citizens takeout companies; the depopulation plan, financial status and relevant news items.
- Citizens Travel & The Palm Beach Post - Two articles; one criticizing Citizens, one Criticizing the Post for criticizing Citizens. Elmore with the Post. Jay Neal with FAIR.
- Citizens Travel Saves Money - Rebuttals to the Palm Beach Posts unfair criticism of Citizens travel.
- Citizens Travel--Letter from ABIR - Letter from ABIR about the need to travel overseas to secure reinsurance.
- Citizens Travel--report from Jim Turner - Article appearing in several papers used as an example of fair reporting of the cabinet hearing regarding Citizens expenses.
- CITIZENS Water Loss Update - November, 26, 2012; delivered to the Claims Committee by David Boyle.
- Citizens, Cat Fund & Reinsurance Articles - A set of articles by the Florida Underwriter Magazine as distributed by The Florida Insurance News giving an overview of assessments and exposure; July 1, 2011.
- Citizens, Policies by County - A complete county wide display by account of Citizens policies.
- CITIZENS--Barry Gilway's letter to Artiles - In response to a Public Records request from Rep. Artiles this response details benefits of surplus notes and has a fact sheet.
- Citizens--Class Action Suit on Pre-suit atty. fees - Shanique Baker v. Citizens, request for class action to compel atty fee's be paid for work done to file Notice of Intent to Litigate.
- Citizens--Class Action, Atty Fees for pre-suit notices, - Citizens Motion to dismiss
- Citizens--ICA Report on Assessments Pulled from Web - By the Sarasota Herald Tribune; article on the ICA's report comparing Citizens assessments to those that might be made by the private market under different storm scenario's.
- Citizens--Inspector General; Op-ed from Johnson Strategies, LLC - A blog transformed into a letter to the editor favoring Governor Scott's Inspector General including outside threats as well as overseeing employee's activities.
- Citizens--Letter from Weatherford to Lacasa - From Speaker Designate Will Weatherford requesting the board of Citizens to hold off on the Surplus Note Program.
- Citizens--Op-Ed in Tampa Bay Times - By Chris Sprowls. "Why should Citizens Polyholders need their state lawmaker to get claims resolved?"
- Citizens--presentation to FHCF by Barry Gilway--June, 2015 - Delivered to the Participating Insurers Workshop
- Citizens--Presentation to FHCF, Insurers Workshop, June, 2016 - Barry Gilways' speaking notes
- Citizens--Public Adjuster advertising - Federal Law dealing with Emblems, Insignia's and names.
- Citizens--Public Adjusters by Cause of Loss; 2012 - Chart Showing the top ten perils with PA's based on average indemnity paid:1/01/2009 to 07/20/12
- CITIZENS--Public Adjusters involved in Citizens Claims - A list of the PA's and the number and amount of the claims each has filed with Citizens for the period represented.
- Citizens--SNL Article on Gilway & 2012 - A perspective distributed by Citizens Newsroom on the happenings of 2012 and the goals going forward.
- Citizens--Takeout Offer From Florida Peninsula - Shows a comparison of the renewal premium for Citizens v Fla. Peninsula.
- Citizens: 9/9/13 letter from Rep. Tom Lee - To Citizens President, Barry Gilway, requesting a review of disclosures made to consumers for takeout policies
- Citizens: Clearinghouse Action Item - A presentation by Yong Gilroy regarding the proposal from Bolt Solutions to implement the Clearinghouse; unanimously approved.
- Citizens: Internal Complaints--a list of internal personnel complaints released by Citizens February, 2012 -
- Citizens; A blank application for coverage - Shows the detailed information and certifications requested of agents, policyholders and applicants of Citizens.
- Citizens; Bill Newton's Blog Response - A response by Bil Newton, President of FCAN, to a blog I wrote on what Citizens board could do to depopulate without the need of a change in statutes. 10/16/11
- Citizens; Builders Risk Policies - A chart showing the builders risk exposure and policy count for each of three accounts of Citizens.
- Citizens; CFO Atwater's Letter to Governor Scott - The CFO requests that the Inspector General that "might" be created to oversee Citizens employee's, report directly to the FSC.
- Citizens; Consumer Choice - FS 637.351 Consumer Choice.
- Citizens; dual opinions in the Tallahassee Democrat - Published here for ease of reference to an opinion published on this site about the two Op-eds on 8/28/12.
- Citizens; Idea's To shrink it's Size - This document was used during the November, 2011 board meeting to discuss idea's for reducing Citizens policy count as requested by the Governor and the Cabinet.
- Citizens; letter from Weatherford to Lacasa - House Speaker Designate Will Weatherford's letter to Citizens Chairman Carlos LaCasa regarding Surplus Notes
- Citizens; Moody's report on Citizens Bond Issue, July 2011 - The report referenced in WSJ article giving Citizens an A2 and MIG1 rating for $900 million bond issue.
- Citizens; OIR order, Glide Path increase; October 2009 - The OIR final order regarding the first glide path rate increase for Citizens of 5.4% statewide average.
- Citizens; PA comments about limits on remuneration for Citizens claims - President of FAPIA, Pat Cucarro, comments on the law limiting PA remuneration for Citizens claims to 10% of the difference between what was paid and originally offered.
- Citizens; Plaintiff Attorney Pending Suits, 2012 - Shows those firms with pending lawsuits against Citizens as of 9-30-12. The top firms are broken out and include the usual suspects.
- Citizens; Senate Issue Brief, September 2011 - A basic statement on Citizens policy counts, exposure and claims paying capacity. Includes, what would happen if either Andrew or 04/05 storms were to occur again.
- Citizens; September, 2011 - As delivered by Sharon Binnun (Citizens CFO) to the Conference of Chief Financial Officers, this gives a full review of Citizens ability to pay claims and its relationship to the private market.
- Citizens; Sinkhole increase, articles and announcements - A compilation of articles and announcements for quick reference when reading the post titled: Citizens Sinkholes; Not a Pretty Sight! Posted August 7, 2011.
- Citizens; Statewide Windpool Article by Aisling Swift, 6/19/12 - Sean Shaw suggests the decoupling of Citizens perils other than wind.
- Citizens; Statewide Windpool Article by Fasano; 6/15/12 - Published in the East Lake Blister & written by Senator Mike Fasano, mentioning decoupling of perils away from Citizens.
- Citizens; Statewide Windpool Article by John Reiners; Hernando Today, 6/18/12 - The Only Windstorm Insurer Possible, he calls it--State Government Controlled.
- Citizens; Takeout article - From Michael Mayo with the Sun Sentinel regarding researching of Takeout carriers
- Citizens; The Basics by Sharon A. Binnun, CPA, Chief Financial Officer - An overview of Citizens as of September, 2011 and regarding it's growth, financing and assessment potential.
- Citizens; We Will Not Budget for Growth - Best Week article from Dan Luby regarding philosophies of Citizens new/interim President, Tom Grady.
- CPIC Rate Inadequacy -