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You are here: Home / Documents / Citizens

Citizens

  • Assignment of Benefits--Florida Market Faces New Storm
  • Citizens & Cat Fund Article by Eli Lehrer
  • Citizens & Weiss Ratings
  • Citizens & Weiss Ratings
  • Citizens 1st Quarter Financials, 2011
  • Citizens 2018--presentation by Barry Gilway
  • Citizens 2022 Reinsurance White Paper-1-12-22
  • Citizens Assessment; Amounts Received
  • Citizens Bill Comparison; 2011
  • CItizens Bill; SB-1330
  • Citizens Board Appointment; Op-ed by Chip Merlin
  • Citizens Board, Depopulation Options
  • Citizens Bond Offer; WSJ article July, 2011
  • Citizens Cabinet Presentation Q&A; June, 2011
  • Citizens Cabinet Presentation Q&A; June, 2011
  • Citizens Cabinet Presentation; June, 2011
  • Citizens Cabinet Presentation; November 2, 2011
  • CITIZENS Claim Frequency Analysis--Citizens-only Data
  • Citizens Clearinghouse---Citizens pays and pays
  • Citizens Commisions; Study by OIR, 3/26/12
  • Citizens Commissions Compared to Private Market & Other States
  • Citizens Comparisons; RMS Models 10, 11,
  • Citizens Depopulation Count--2003-2012
  • Citizens Depopulation To-Do List
  • Citizens Inspection Results
  • Citizens letter; From Rep. Proctor to Scott Wallace. 7/14/11
  • Citizens Market Share by County - Homeowners - September 2010
  • CITIZENS MEDIA ADVISORY--Surplus Notes; 10/12
  • Citizens Media Reports; weekend of 9-7-12
  • Citizens Mission Review Task Force--1/30/09
  • Citizens New Applications by County
  • Citizens New Applications by County; 1st Quarter, 2012
  • Citizens Op Ed by Don Brown
  • Citizens Operating Budget, 2011
  • Citizens Outsourcing RFP
  • Citizens Plan of Operation
  • CITIZENS Policyholders by voting district
  • Citizens Public Adjusters by Cause of Loss; 2012
  • Citizens Rate Advantage:
  • Citizens Rate Comparison Study--Nov. 17 2021
  • Citizens Replacement Cost
  • Citizens Sinkhole Articles; Favorable
  • Citizens SInkhole FAQ--Inspections, definitions & procedures
  • Citizens Sinkhole Law Firms
  • Citizens Sinkhole Law Firms--Dwelling Policies
  • Citizens Sinkhole Law Firms; Combined Report
  • Citizens Sinkhole Law Firms;2012
  • Citizens Sinkhole Rate Phase In
  • CITIZENS SINKHOLE UPDATE--November, 2012
  • Citizens Sinkholes; Statement by Robin Westcott
  • CITIZENS SIU Cases of Interest
  • Citizens Statute
  • Citizens Takeout Companies, April 2010
  • Citizens Travel & The Palm Beach Post
  • Citizens Travel Saves Money
  • Citizens Travel--Letter from ABIR
  • Citizens Travel--report from Jim Turner
  • CITIZENS Water Loss Update
  • Citizens, Cat Fund & Reinsurance Articles
  • Citizens, Policies by County
  • CITIZENS--Barry Gilway's letter to Artiles
  • Citizens--Class Action Suit on Pre-suit atty. fees
  • Citizens--Class Action, Atty Fees for pre-suit notices,
  • Citizens--ICA Report on Assessments Pulled from Web
  • Citizens--Inspector General; Op-ed from Johnson Strategies, LLC
  • Citizens--Letter from Weatherford to Lacasa
  • Citizens--Op-Ed in Tampa Bay Times
  • Citizens--presentation to FHCF by Barry Gilway--June, 2015
  • Citizens--Presentation to FHCF, Insurers Workshop, June, 2016
  • Citizens--Public Adjuster advertising
  • Citizens--Public Adjusters by Cause of Loss; 2012
  • CITIZENS--Public Adjusters involved in Citizens Claims
  • Citizens--SNL Article on Gilway & 2012
  • Citizens--Takeout Offer From Florida Peninsula
  • Citizens: 9/9/13 letter from Rep. Tom Lee
  • Citizens: Clearinghouse Action Item
  • Citizens: Internal Complaints--a list of internal personnel complaints released by Citizens February, 2012
  • Citizens; A blank application for coverage
  • Citizens; Bill Newton's Blog Response
  • Citizens; Builders Risk Policies
  • Citizens; CFO Atwater's Letter to Governor Scott
  • Citizens; Consumer Choice
  • Citizens; dual opinions in the Tallahassee Democrat
  • Citizens; Idea's To shrink it's Size
  • Citizens; letter from Weatherford to Lacasa
  • Citizens; Moody's report on Citizens Bond Issue, July 2011
  • Citizens; OIR order, Glide Path increase; October 2009
  • Citizens; PA comments about limits on remuneration for Citizens claims
  • Citizens; Plaintiff Attorney Pending Suits, 2012
  • Citizens; Senate Issue Brief, September 2011
  • Citizens; September, 2011
  • Citizens; Sinkhole increase, articles and announcements
  • Citizens; Statewide Windpool Article by Aisling Swift, 6/19/12
  • Citizens; Statewide Windpool Article by Fasano; 6/15/12
  • Citizens; Statewide Windpool Article by John Reiners; Hernando Today, 6/18/12
  • Citizens; Takeout article
  • Citizens; The Basics by Sharon A. Binnun, CPA, Chief Financial Officer
  • Citizens; We Will Not Budget for Growth
  • CPIC Rate Inadequacy

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

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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

Order Scott’s Books

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

Fact & Fallacy

Essays & Opinions on Florida's Most Controversial Insurance Topics.

Platforms of Success

What the New Generation of Elite Sellers are Doing and How it Can Work for You!

From Cartels to Competition

The Evolution of Insurance and the History of Florida’s Independent Agent

Recent blog 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?

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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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