ACIL Letter from Steve Pociask - A letter from the President of the American Consumer Institute, protesting a Press Conference with Senator Fasano and Rep Kriseman.
ACV-RCV Handout; 2011 - A paper explaining the impact on loss costs due to the prohibition against hold back on Replacement Cost claim payments.
American Policyholders Association--Justifiable Grievances - November 2023--APA report New Analysis of Regulatory Complaint Data suggests High Rates of Litigation in FLa. Driven by Substantial Claims Payment issues, not Lawsuits.
Approved Rate Increases 2010 -
Artemis article--Reinsurance up 26%, June 2020 - By Steve Evans, Property Insurance Rates up 26% at June 1st Hyperion X index shows
Article '20--Opinion, Sun Sentinel - by Mark Wilson & Harold Kim, 10-22-19 regarding billboard trial lawyers
Articles; Citizens, Cat Fund, Reinsurance - A series of articles from the Florida Underwriter Magazine published in July 2011 that summarize the current state of affairs for assessments and exposure.
Auto, Interim Report on the Effect of Repealing PIP - Senate B&I Report number 2008-102, issued in 2007 regarding what would happen if the previously enacted sunset of PIP was allowed to stand.
Auto--Five Lawyers Arrested - By Vanessa Medina. 7News Miami
Auto--No-Fault Op-ed; March 26, 2014 - The Tallahassee Democrat Op-ed rewritten from a post on Johnson Strategies in December of 2013..
AUTO--OIR CHOICES Website; Three Risk Configurations - Detailed description of the three risks (Family w/ Young Drivers, Single Female & Senior Married Couple).
AUTO--PIP Rates from OIR; January 2014. -
AUTO--PIP study by Pinnacle, 2016 -
AUTO--Scrap PIP - Editorial by Senator David Simmons on why No-Fault should be repealed.
AUTO--The Fraud of Florida No-Fault - A paper by Sean Fowler; Assistant Vice President of claims for the IAT Insurance Group that argues for PIP repeal.
Auto; Evaluation of OIR Pip Report - Requested by FCAN; an evaluation of Data Collected by OIR In PIP Data Call by Lorilee A Medders, PhD November 4, 2011
Auto; PCI Fraud Report. October 27, 2011. - Florida's Automobile No Fault Insurance: A System Under Siege by Fraud and Abuse.
Auto; PIP Editorial - From the Palm Beach Post after the 2014 elections arguing for repeal
Auto; PIP Presentation to Cabinet - Presented by the Insurance Consumer Advocate (ICA) to the Cabinet while sitting as the Financial Services Commission, on November 1, 2011.
Auto; Senate B&I Issue Report on PIP - Outlines the current PIP system, recent trends in PIP fraud, recent trends in PIP costs on a statewide and a regional basis, and relevant legislative proposals offered during the 2011 session.
Auto; Statement by the American Insurance Association - August 23, 2011 provides options and recommendations, including repeal, for the 2012 legislative session.
Bad Faith, "Why People Keep Suing Property Insurance Companies" - An article by Jason Wolf asserting that insurers settle too early and should litigate more often.
Bad Faith--October, 2018. Two court decisions - Article by William Large: Harvey v. GEICO & Odom v. RJ Reynolds
Blogger's 1st Amendment Case - An article on the 9th Circuit Court decision affording media protections to independent bloggers.
CFA vs Heartland; 2012--Articles on Mckinsey/Allstate & Repeat Offenders - Includes a response to the CFA report from the Insurance Information Institute.
CFA vs Heartland; 2012--Heartland's Response to CFA - As published by various trade magazines and written by Eli Lehrer and RJ Lehman.
CFA vs Heartland; 2012--Repeat Offenders - A report by Robert Hunter alleging the industry manufacture's crisis's.
CFA vs Heartland; 2012--Statement on Long Term Solutions Task Force - by Bob Hunter on Florida's Hurricane Market and why regulation is necessary.
CFO Atwater's Letter to Senator Bill Nelson - Regarding Nelson's vote to increase Flood Premiums under the Federal Biggert-Waters Act of 2012.
Chip Merlins Blog - A numbered paragraph version as a reference for a blog refuting an editorial piece by Chip Merlin on Hb-245 & Sb-578.
Civil Remedy (CR)--CIvil Remedy Notice (CRN) - A paper explaining what Civil Remedy is, and the problems at DFS with respect to the notice requirement; including a proposed legislative fix.
Complaint Ratio Report--2010 - An OIR report on the complaints filed against Fla. Homeowners Carriers including a calculation of the ratio of complaints.
Complaint Report Analysis by Brent Winans--2010 - Ranks the top 50 homeowners writers according to their complaint ratio published by OIR and explains the criteria used.
Deductibles Statute, Fs 627.701 - Includes Case notes, and statutory change history as of October, 2011.
Demotech explanation of Financial Service Ratings -
Demotech letter regarding 2020 Downgrades--12/20/19 - A letter from Joe Petrelli to Barry Gilway regarding possible downgrades of property carriers due to various factors
Demotech--Article by Amy O'Connor; January, 2020 - Regarding 2020 Downgrades
Demotech--Article by Peter Schorsch, January 29, 2020 - Regarding consumer survey on "exorbitant attorney fees".
Demotech--Article updating 2020 FSR's - By Joe Petrelli, President of Demotech
Demotech--IJ article, January 23, 2020 - By Amy O'Connor regarding downgrade of Florida Family.
Demotech-Insurance Journal, April 2017 - Article regarding possible downgrades having been avoided
Dispelling Myths About MGA's - A white paper by FPCA (Florida Property Casualty Association) on Myths vs Facts about Florida's MGA system for Property & Casualty Insurance.
Fasano's Letter to Senator Richter; 12/14/11 - Senator Fasano requests the Chairman of the Senate Banking and Insurance Committee to summon Scott Wallace before the committee to answer questions.
FCAN Supports CAT Fund Bill - An article to assist as a reference for a blog published on Bill Newton's opposition to the Citizens Depop bill.
FIGA 2012 Assessment Notice - Includes, letter to Commissioner McCarty, stating that the "largest impact" was due to Sinkhole Claims.
FIGA 2012 Assessment--Impact - A per carrier breakdown by SNL Financial, showing the impact on each carrier of the assessment.
Flood Op Ed--The Science of Flood - Published in response to the attempts to repeal or amend the Biggert-Waters Flood Act of 2012.
Flood Reforms--2012 - A summary and line-by-line analysis of the Biggert-Waters Reform Act
Flood Reforms--2014 - FEMA's summary of changes in the Homeowners Flood Insurance Affordability Act.
Flood--PC 360 article, 10/05/15 - By Gegory Knuffke titled: "Why Don't Property Owners have flood insurance?"
Flood--The Folly of Paying Americans to Live in Harms Way - A guest editorial by the Chicago Tribune published by the SunSentinel.
Florida Property Loss Reimbursement -
Florida Surplus Report June 2009 -
FOUITFWCR - An offer of interest in forming a group called Floridians Opposed to Unfair Insurance Taxes Favoring Wealthy Coastal Residents.
Fraud Statistics Florida 2013 - Division of Insurance Fraud "Stat Pack" comparing 2011, 2012 & 2013: Referrals, Presentations, Arrests, Convictions, Suspected Fraud Referrals, Presentations, Arrests & Convictions. Also, a breakdown by type of fraud or case from 7/1/12 to 6/30/13.
Guy Fraker Study--January 2021 - Insurance Journal Article by Amy O'Connor regarding Florida's P&C Market Spiraling Out of Control
Guy Fraker Study--January 2021 - Florida's P&C Insurance Market: Spiraling Toward Collapse
Homeowner's Claims Bill of Rights--Fs; 627.7142 -
Homeowners Choice Agent Contract - The limited appointment agreement of Homeowners Choice offered following the insolvency of Homewise Insurance; November 11, 2011.
Homewise Receivership Consent Order - 2nd Circuit Court; Leon County, DFS is named receiver for purposes of rehabilitation, injunction and notice of automatic stay.
ICA Working Group Bill Draft--2013 - Initial draft of 2014 legislation proposed by the ICA's office for implementing recommendations of the Working Group.
ICA Working Group Final Report--2013 - The Final Slate of Recommendations from the Insurance Consumer Advocate regarding claim settlement practices and issues.
ICA Working Group Memo--2013 - Memo from Robin Westcott transmitting Working Group recommendations and an executive summary to members of the group.
Insurance Reform Bill Comparison; 2011 - A line-by-line comparison of the Senate and House bills from the 2011 Session; CS/CS/CS/SB-408 and CS/CS/HB 803.
Insurance Regulatory Report Card--2011 - By Eli Lehrer with the Heartland Institute. Florida get's an "F" and has the worst numerical rating in America.
Insurance Regulatory Report Card--2012 - A state by state ranking based on selected criteria of regulatory and political performance. Florida receives an "F" from RStreet.
Insurance Residual Markets White Paper -
Insurance Residual Markets: Historical & Public Poicy Perspectives - Written by James W. Newman Jr, & sponsored by The Florida Catastrophic Storm Risk Management Center; describes issues associated with residual markets.
Jeff Grady Biography - As part of a tribute to Jeff Grady after his retirement in 2020.
Jeff Grady Scholarship - An annual $1500 scholarship to FSU Insurance & Risk Management Program in tribute to Jeff Grady upon his retirement 2020
Kevin McCarty letter to Governor Crist in support of SB-2044 -
Lawsuit legislation '20--Benefits of Tort Reform, 2018 - by Citizens Against Lawsuit Abuse
Lawsuit legislation '20--Exorbitant Atty Fee's - By Peter Schorsch, regarding survey of opinions as to the cause of rising rates
Lawsuit legislation '20--Floor Vote HB-7071 - Courtesy of The Florida House of Representatives, the floor vote on returning Florida to the SCOTUS standard in all other states, regarding Fee Multipliers.
Lawsuit legislation '20--Homeowers Shfited - Article by CBS local media, Jim Saunders regarding rate increases & policies shifting to other insurers, I.E. Homeowners Choice.
Lawsuit legislation '20--Opinion, Florida Today - By Steve Precourt on why Florida needs tort reform, 2018.
Lawsuit legislation '20--Overview of Contingency Fee Multipliers - Paper by the Florida Justice Reform Institute
Lawsuit legislation '20--Rates Keep Climbing - by Ron Hurtibise, South Florida Sun Sentinel 10-21-19, regarding rate increases and why they are happening.
Lawsuit legislation '20--Rising Reinsurance is the key - article by John Haughey with The Center Square, 2-17-20, regarding the role of reinsurance in rate increases.
Lawsuit legislation '20--the Tort Tax - by The Capitolist regarding AIF & CALA on the benefits of tort reform
Legislation 2021--SB-76, by Senator Jim Boyd - An act relating to residential property insurance
Legislation 2021--SB-76, Cohen ACTION ALERT - A call to arms from Cohen Law Group in opposition to SB-76
Legislation 2021--SB-76, Merlin Blog in opposition - Chip Merlin mischaracterizes my blog as a means to oppose SB-76.
Letter on The Hidden Hurricane Tax; April 25, 2011 - Written by Locke Burt to Representative Fred Costello; an excellent summary of the impact of Citizens assessments and the importance of raising Citizens rates.
Lightning Report, Annual--2018 - By Vaisala from the US National Lightning Detection Network.
Litigation Report Q3 2023 - By Guy Carpenter 9/30/2023 (Marsh/McLennan) 68 carriers used, Data from DFS.
Magnolia Liquidation Order -
Mitigation White Paper; Press releas by FAIA - An announcement from FAIA in 2009 about its Mitigation White Paper and generally some of the conclusions therein.
Newton & Stevans; comments about the sinkhole rate increase of Citizens - In response to a blog I wrote on the rate increase, two consumer activists respond with comments of their own; addressed in a 9-11-11 blog.
NGIC Rehabilitation Order; August 2011 - Order appointing the DFS as receiver of National Group Insurance Company for Rehabilitation
OIR Memorandum on 100-year Requirement -
PA Advertorial by Pat Cucarro - Published by the Tallahassee Democrat in March 2012 this op-ed is cited in a blog written and published March 26, 2012; titled Citizens & Public Adjusters
Pairs and Sets Statute--fs. 626.9744 -
Pat Cucarro Advertorial - Published by the Tallahassee Democrat; January 3rd, 2012.
PCI - Chamber Poll Findings -
PCI - Chamber Poll Topline -
Peoples Trust Complaint Analysis - A 2012 response to questions regarding the carrier having the highest complaint ratio.
Peoples Trust End Note - A brief letter from Mark Bowsher of PTIC with regards to a post on May 6, 2014.
Peoples Trust Flyer; Circa 2009 - Promises, 70% savings.
Peoples Trust--Travels & Massages - Article by Michael Moline regarding PTI's former CEO and revelations from OIR Audit.
Peoplest Trust Exposure Management Summary - April, 2014; the company's rendition of its cut back in writings and policy terminations.
PIA Claims Victory - A newsletter released following the 2013 legislative session in which PIA takes the credit and blasts Representative Kevin Rader. (See Post dated: 5/12/13)
Policyholder Claim Litigation Survey--ICA Tasha Carter - 2021 study of 7,000 policyholders whose claims were represented by an attorney.
Property Insurance Commentary by Sen. Richter and Rep. Nelson - A three part paper titled "How Critical is Property Insurance in Florida?". Published June, 2012.
Protecting Your Paycheck - Crist's Insurance Plan: To Reverse Rick Scott's Hikes to Property Insurance
PublAdjuster--Flyer "Call us Before Your Insurance Company - Hurricane Michael flyer from Dade County; Stellar Adjusting
PublAdjuster--Flyer "Call us Before Your Insurance Company - Page 2 of Hurricane Michael Flyer for Stellar Adjusting.
Public Adjuster Advertising Laws - Excerpts of Florida Statutes pertaining to Public Adjuster advertising.
Public Adjuster Referral Network - An email sent to all 2-20 agents about a "network" of 300 PA's they should use.
Public Adjuster Rule; Draft--March 2012 - As referenced in a corresponding blog post.
Public Adjuster, Martyn Belben's Response - Martyn Belben responds to a blog on PA Advertorials and misuses the OPPAGA study results.
Public Adjuster--Amended Complaint challenging the Fee Statutes - 2nd DCA arguments from D'Alembert firm to overturn both the Citizens and the private market statutory fee limits for PA's.
Public Adjuster--Fee Statute - Fs. 626.854(10)
Public Adjuster: Espinosa Case - Fausto Espinosa is sentenced to 20 Years
Public Adjusters Alabama: Article and ABA Notice - Public Adjusting is illegal in Alabama. The state bar warns against engaging in the practice. A related article provides background and insights.
Public Adjusters Contract--Illinois - Illinois DOI approved PA Contract
Public Adjusters Contract--Michigan - DOI approved PA contract for Michigan
Public Adjusters--2016 DFS listing -
Public Adjusters--AAPIA letter of Explanation - Attorney Holly Soffer explains AAPIA's position in opposition to the New Jersey fee cap legislation endorsed by NAPIA.
Public Adjusters--Appraisal, "disinterested Means Pecuiary interest" - 2-14-20, A blog by Chip Merlin about "Disinterested" means the appraiser must have no "Pecuniary" interest in the outcome.
Public Adjusters--Appraisal, "PA's as Appraisers May Be History" - By Chip Merlin, 12, 2019; A blog speculating that PA's on contingency fee's also acting as appraisers may be "History."
Public Adjusters--Appraisal, New York Standard Fire Policy - The 1943 New York Standard Fire Policy, including language regarding appraisal.
Public Adjusters--Appraisal, PA's As Appraisers - By Chip Merlin 4-16-20; "Can PA's on Contingency Fee Act as the Appraiser?"
Public Adjusters--Appraisal, Questions to Paul Handerhan - A short Q&A with The President of FAIR and a representative of FAPIA.
Public Adjusters--Appraisal, SCOF decision - Supreme Court Decision in Parrish v State Farm, February 9, 2023 prohibits PA's from appraisal if on Contingency Fee
Public Adjusters--Appraisal, State Farm v Sanders - 3rd DCA certifies to Fla. Supreme court the issue of PA's on contingency agreements acting as "disinterested" appraisers.
Public Adjusters--Appraisal, State Farm v. Crispin - 5th DCA, 2-7-20 Addresses the question of PA's on Contingency fees serving as "disinterested appraiser."
Public Adjusters--Appraisal, State Farm vs Parrish - 2nd DCA rules in Favor of St. Farm in appraisal case
Public Adjusters--Arrest Affidavit - Information on the arrest of Alberto Alvarez and others for defrauding Citizens.
Public Adjusters--blog by Dick Tutwiler - Published by Merlin law and regards water losses, form exclusions and AOB
Public Adjusters--CARe Consumer Advisory - An adaptation for Florida of CARe's original advisory regarding the hiring of a Public Adjuster
Public Adjusters--CFO Arrest of Robert Eugene Leverett II -
Public Adjusters--Crossing the Rubicon, Arrest Affidavit, Less Redacted, including many homowners - April 26th, 2019
Public Adjusters--Crossing the Rubicon, Arrest Affidavit; ALexander & Barbie - August 13, 2018 probable cause document for arrest of Lt. Alexander de Villegas & Barbara Gonzalez.
Public Adjusters--Crossing the Rubicon, Arrest Affidavit; Felix Bravo & Barbara Maria Diaz de Villegas (AKA Barbara M. Gonzalez) - May 10, 2018, includes Valdespino testimony regarding common practice at Rubicon to "routinely fabricate dates".
Public Adjusters--Crossing the Rubicon, Citizens SIU Report - Contains chart of all involved & Arrested, including details of the report to Citizens Claims Committee & Board.
Public Adjusters--Direct Payment - A letter from AAPIA explaining their position on a requirement for direct pay to PA's by insurer's when directed by claimant.
Public Adjusters--Do PA's Charge too much? - A blog by FAPIA founder, Chip Merlin, preserved here as a reference for my blog regarding Florida's 20% fee cap.
Public Adjusters--Emergency Services 24 - The entire investigative file leading up to a consent decree regarding unlicensed public adjusting.
Public Adjusters--Espinosa Sr. Gets 20 Years - Article, May 18, 2018, regarding the conviction of Fausto Espinosa.
Public Adjusters--FAPIA 2016 Membership List -
Public Adjusters--FAPIA letter 2014 - Letter responding to my request for a position on the pending PA fee reduction to 15%.
Public Adjusters--Leverett Case - Facts supporting the arrest of Robert Leverett II for claim inflation.
Public Adjusters--NAPIA letter to New Jersey Assembly - National Adjusters Association embraces a 12.5% contingency fee; across the board.
Public Adjusters--New Jersey Assembly bill SB 2472 - Limits PA fee's under certain circumstances to 12.5%.
Public Adjusters--Orlando Sentinel article - Regarding the arrest of PA Robert Eugene Leverett II and used here to preserve the reference in a blog.
Public Adjusters--Posts by Chip Merlin - Preserved here as a reference for a blog posted by Johnson Strategies regarding PA, Robert Eugene Leverett II.
Public Adjusters--Sandy victim wins lawsuit - For doing no work a court rules against a PA with a valid contingency fee contract.
Public Adjusters--The History of Public Adjusters - Article by John Horvitz regarding Florida's first public adjuster
Public Adjusters-Advertorial by FAPIA President - Included here as reference for a blog written on August 30th regarding the truth about the cost of PA's and the industry response to similar adds.
Public Adjusters: Espinosa Case - An article published by P&C 360 of a blog I had published regarding the infamous "Yellow Hammer Case".
Public Adjusters: Espinosa Case - Police documents showing the facts in support of an arrest of Jorge Espinosa and others in the famous "Yellow Hammer Case."
Public Adjusters: Espinosa Case, Murder Plot - While in Jail, Espinosa plots to murder the prosecutor.
Public Adjusters; article for Miami Herald - Written by defense attorney Jason Wolf it extols how PA's are driving up costs in Florida with frivolous claims.
Public Adjusters; Consumer Group Warnings - CARE warnings about hiring Public Adjusters
Public Adjusters; NAPIA Responds - A Letter from NAPIA General Counsel Brian Goodman critical of my blog on PA Contingency fee's; June 2013.
Quinnipiac Poll 2011 -
Rate Hikes, 2012 - Data excerpted from OIR spread sheet on approved 2012 homeowner rate increases.
Rate Hikes; articles by Julie Patel, 2011 - Included here for ease of reference to a blog regarding the Rstreet ranking of Florida as the worst regulatory environment in America.
Ratings Paper Executive Summary - A comparison of Demotech to other ratings firms
Rebating Issues; History & Background, Florida - A paper explaining the historical background of insurance rebating and the Florida law restricting the practice.
Rebating; Federal Memo Prohibiting - April 4, 2012 FEMA issues memorandum prohibiting rebating of NFIP Flood commissions
Rebating; Original Florida Case - A paper titled "Can a 19th Century Idea Protect Modern Consumers?" by the Dade County Consumer Advocates Office regarding the court decision repealing Florida's anti-rebating statute.
Reinsurance--Atwaters letter to McCarty - the CFO's request for an explanation of why premiums weren't declining now that reinsurance rates had dropped.
Reinsurance--McCarty's 2nd response to Atwater - Additional info on how OIR makes sure rates reflect savings in reinsurance.
Reinsurance--McCarty's response to Atwater - The Commissioner responds to CFO Atwater's request to explain why premiums haven't dropped with reinsurance rates going down.
Report of Aggregate Net PML & Assessments; February 2011 - A chart and talking paper regarding assessments and PML for Citizens and the Cat Fund; February 2011
Residual Mrkt Plans: From Markets of Last Resort to Market of First Choice - I.I.I.’s latest analysis adds to what is now a well-documented body of research that many residual markets have morphed to become major insurance providers in their states.
RMS Model Comparison for Monroe County - Charts comparing the difference in Monroe County for its 100-yr PML and its % of County PML Contribution for the RMS model 10, 11 and 12.
Roofing--Consumer Advisory - From the FRSA; advice for consumers in hiring a Roofer.
Rytech's Growing Team - A letter from Randy Kerlin, COO announcing new hires at Rytech, Inc
Rytech; Why Rytech for Carrier's - Bullet points on why Rytech is the preferred provider for more carriers than any other water extraction company.
SB-408; 2011's General Property Reform Package - The final "enrolled" version of the 129 page bill.
SB-7052 The Insurer Accountability Act -
SB-7052 The Insurer Accountability Act - Passed during 2023 Regular Session
Sean Shaw article: Advocates Won't Stop Fighting - Published in the Tallahassee Democrat, November 18, 2011 in response to an op-ed by Steve Pociask with the American Consumer Institute.
Senator Mike Fasano Press Release - Statement from Senator Mike Fasano to Governor Scott:Please Veto SB 408
Sinkhole Articles - A compendium of articles to assist readers as a reference to the blog post titled: Citizens Sinkhole Rate Increase...Being Truthful or Being Right?
Sinkhole Articles - A compendium for a blog titled; Citizens Sinkhole Rate Increase; Being Right or Being Truthful.
Sinkhole Handout; 2011 - Opportunism at it's worst--A brief bullet point summary of the sinkhole crisis & the solution
Sinkhole Structural Damage Decision - Thirteenth Circuit Court decision denies retroactive application of the Statewide Building Code definition of structural damage for sinkhole losses.
Sinkholes 2011; Wallstreet Journal article by Leslie Scism - "As more Florida homeowners seek insurance payments for sinkhole problems, lawmakers are considering measures to curb dubious claims and...ensure that...proceeds are used to repair properties."
Sinkholes--Court Decision on Structural Damage 9/3/13 - US Middle district Court confirms that structural damage means damage that affects structural integrity.
Sinkholes; By Steve Pociask - Opinion piece in the Tallahassee Democrat by the American Consumer Institute regarding the false consumerism banner of law firms and public adjusters.
Stander vs Trigaux -
State Regulatory Report Card; "F" for Florida - 2011--The Heartland Institute's annual analysis of which states have the best/worst regulatory environment. Florida get's an "F"
Statewide Wind Pool; Crane Group Proposal--March 30, 2008 - Written by Dan Montgomery it transforms the FHCF into Florida's sole "hurricane" insurer, including all government and institutional risks. Carriers write the more manageable wind risk.
Sun Sentinel article--Insurance companies set to squeeze even more money out of us this storm season. - Article by Ron Hurtibise, Sun Sentinel June 12, 2020.
Surplus & Underwriting Totals; as of 12/31/09 - A listing of the net underwriting gains or losses for the top 46 domestic carriers that are unaffiliated with any national or regional company.
TAX WATCH...Special Report; April 2010. - By the Florida Council of Economic Advisor's this report is on the financial exposures created by Citizens and the Cat Fund.
The Bottom Line--article rebutting attacks on Reinsurance Industry - Jonathan Kent writes and rebuts award winning journalist, Paige St. Johns accusation that reinsurers "rigged" rates.
The Property Insurance Debate - Governor Scott and Charlie Crist Campaign Review
The Property Insurance Debate II - A response to the Crist Campaign's "New" Insurance Plan
The Ten Worst Insurance Companies in America - From the American Association for Justice
Tricks of the Trade--How Insurance Companies Deny, Delay, Confuse & Refuse - Published by the American Association for Justice
Universal article by Action 9 News - Used for ease of reference for readers in a blog on the subject of UPCIC's post loss underwriting.
Universal Order--Article by Herald Tribune - Report by The Herald Tribune on the OIR order fining the company $1.26 million.
Universal Order--Article by Palm Beach Post - Report by the Post on the $1.26 million fine against Universal for post claims underwriting.
Universal P & C--Claim Denials - An Agency Notice from Universal as a result of Robin Wescott's call for an investigation of its pattern of claim denials due to post claim underwriting.
Universal P & C--Claim Denials - Robin Westcott's letter to OIR requesting an investigation into claim denial by Universal P&C
Universal P & C--Claim Denials - An article by David Thompson (FAIA), giving real claim denials under FS 627.409.
US BANK RESCINDS SINKHOLE REQUIREMENT - U.S. Bank; effective December 7, 2011 or after sinkhole coverage will not be required; with exceptions.
Voluntary Market Commission Percentages - Prepared 1/25/12 as a comparison to commission percentages paid by Citizens. Source: The Florida Association of Insurance Agents
Waiting For Hurricane Charlie; WSJ Article - Editorial regarding Charlie Crist's legacy of assessments from the Cat Fund and Citizens. 2011
Windstorm Coverage Fund (WCF) - Actuarial analysis by Vogel Actuarial Consulting.