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You are here: Home / Documents / Miscellaneous

Miscellaneous

  • ACIL Letter from Steve Pociask
  • ACV-RCV Handout; 2011
  • American Policyholders Association--Justifiable Grievances
  • Approved Rate Increases 2010
  • Artemis article--Reinsurance up 26%, June 2020
  • Article '20--Opinion, Sun Sentinel
  • Articles; Citizens, Cat Fund, Reinsurance
  • Auto, Interim Report on the Effect of Repealing PIP
  • Auto--Five Lawyers Arrested
  • Auto--No-Fault Op-ed; March 26, 2014
  • AUTO--OIR CHOICES Website; Three Risk Configurations
  • AUTO--PIP Rates from OIR; January 2014.
  • AUTO--PIP study by Pinnacle, 2016
  • AUTO--Scrap PIP
  • AUTO--The Fraud of Florida No-Fault
  • Auto; Evaluation of OIR Pip Report
  • Auto; PCI Fraud Report. October 27, 2011.
  • Auto; PIP Editorial
  • Auto; PIP Presentation to Cabinet
  • Auto; Senate B&I Issue Report on PIP
  • Auto; Statement by the American Insurance Association
  • Bad Faith, "Why People Keep Suing Property Insurance Companies"
  • Bad Faith--October, 2018. Two court decisions
  • Blogger's 1st Amendment Case
  • Castle Roofing Affidavit--Nov. 29, 2023
  • CFA vs Heartland; 2012--Articles on Mckinsey/Allstate & Repeat Offenders
  • CFA vs Heartland; 2012--Heartland's Response to CFA
  • CFA vs Heartland; 2012--Repeat Offenders
  • CFA vs Heartland; 2012--Statement on Long Term Solutions Task Force
  • CFO Atwater's Letter to Senator Bill Nelson
  • Chip Merlins Blog
  • Civil Remedy (CR)--CIvil Remedy Notice (CRN)
  • Complaint Ratio Report--2010
  • Complaint Report Analysis by Brent Winans--2010
  • Deductibles Statute, Fs 627.701
  • Demotech explanation of Financial Service Ratings
  • Demotech letter regarding 2020 Downgrades--12/20/19
  • Demotech--Article by Amy O'Connor; January, 2020
  • Demotech--Article by Peter Schorsch, January 29, 2020
  • Demotech--Article updating 2020 FSR's
  • Demotech--IJ article, January 23, 2020
  • Demotech-Insurance Journal, April 2017
  • Dispelling Myths About MGA's
  • Don Brown--Parametric Insurance
  • Don Brown--Solving Florida's Homeowners Crisis
  • Don Brown--The Capital Consequence of Uncertainty
  • Fasano's Letter to Senator Richter; 12/14/11
  • FCAN Supports CAT Fund Bill
  • FIGA 2012 Assessment Notice
  • FIGA 2012 Assessment--Impact
  • Flood Op Ed--The Science of Flood
  • Flood Reforms--2012
  • Flood Reforms--2014
  • Flood--PC 360 article, 10/05/15
  • Flood--The Folly of Paying Americans to Live in Harms Way
  • Florida Property Loss Reimbursement
  • Florida Surplus Report June 2009
  • FOUITFWCR
  • Fraud Statistics Florida 2013
  • Guy Fraker Study--January 2021
  • Guy Fraker Study--January 2021
  • Homeowner's Claims Bill of Rights--Fs; 627.7142
  • Homeowners Choice Agent Contract
  • Homewise Receivership Consent Order
  • ICA Working Group Bill Draft--2013
  • ICA Working Group Final Report--2013
  • ICA Working Group Memo--2013
  • Insurance Reform Bill Comparison; 2011
  • Insurance Regulatory Report Card--2011
  • Insurance Regulatory Report Card--2012
  • Insurance Residual Markets White Paper
  • Insurance Residual Markets: Historical & Public Poicy Perspectives
  • Jeff Grady Biography
  • Jeff Grady Scholarship
  • Kevin McCarty letter to Governor Crist in support of SB-2044
  • Lawsuit legislation '20--Benefits of Tort Reform, 2018
  • Lawsuit legislation '20--Exorbitant Atty Fee's
  • Lawsuit legislation '20--Floor Vote HB-7071
  • Lawsuit legislation '20--Homeowers Shfited
  • Lawsuit legislation '20--Opinion, Florida Today
  • Lawsuit legislation '20--Overview of Contingency Fee Multipliers
  • Lawsuit legislation '20--Rates Keep Climbing
  • Lawsuit legislation '20--Rising Reinsurance is the key
  • Lawsuit legislation '20--the Tort Tax
  • Legislation 2021--SB-76, by Senator Jim Boyd
  • Legislation 2021--SB-76, Cohen ACTION ALERT
  • Legislation 2021--SB-76, Merlin Blog in opposition
  • Letter on The Hidden Hurricane Tax; April 25, 2011
  • Lightning Report, Annual--2018
  • Litigation Report Q3 2023
  • Magnolia Liquidation Order
  • Mitigation White Paper; Press releas by FAIA
  • Newton & Stevans; comments about the sinkhole rate increase of Citizens
  • NGIC Rehabilitation Order; August 2011
  • OIR Memorandum on 100-year Requirement
  • PA Advertorial by Pat Cucarro
  • Pairs and Sets Statute--fs. 626.9744
  • Pat Cucarro Advertorial
  • PCI - Chamber Poll Findings
  • PCI - Chamber Poll Topline
  • Peoples Trust Complaint Analysis
  • Peoples Trust End Note
  • Peoples Trust Flyer; Circa 2009
  • Peoples Trust--Travels & Massages
  • Peoplest Trust Exposure Management Summary
  • PIA Claims Victory
  • Policyholder Claim Litigation Survey--ICA Tasha Carter
  • Property Insurance Commentary by Sen. Richter and Rep. Nelson
  • Protecting Your Paycheck
  • PublAdjuster--Flyer "Call us Before Your Insurance Company
  • PublAdjuster--Flyer "Call us Before Your Insurance Company
  • Public Adjuster Advertising Laws
  • Public Adjuster Referral Network
  • Public Adjuster Rule; Draft--March 2012
  • Public Adjuster, Martyn Belben's Response
  • Public Adjuster--Amended Complaint challenging the Fee Statutes
  • Public Adjuster--Fee Statute
  • Public Adjuster: Espinosa Case
  • Public Adjusters Alabama: Article and ABA Notice
  • Public Adjusters Contract--Illinois
  • Public Adjusters Contract--Michigan
  • Public Adjusters--2016 DFS listing
  • Public Adjusters--AAPIA letter of Explanation
  • Public Adjusters--Appraisal, "disinterested Means Pecuiary interest"
  • Public Adjusters--Appraisal, "PA's as Appraisers May Be History"
  • Public Adjusters--Appraisal, New York Standard Fire Policy
  • Public Adjusters--Appraisal, PA's As Appraisers
  • Public Adjusters--Appraisal, Questions to Paul Handerhan
  • Public Adjusters--Appraisal, SCOF decision
  • Public Adjusters--Appraisal, State Farm v Sanders
  • Public Adjusters--Appraisal, State Farm v. Crispin
  • Public Adjusters--Appraisal, State Farm vs Parrish
  • Public Adjusters--Arrest Affidavit
  • Public Adjusters--blog by Dick Tutwiler
  • Public Adjusters--CARe Consumer Advisory
  • Public Adjusters--CFO Arrest of Robert Eugene Leverett II
  • Public Adjusters--Crossing the Rubicon, Arrest Affidavit, Less Redacted, including many homowners
  • Public Adjusters--Crossing the Rubicon, Arrest Affidavit; ALexander & Barbie
  • Public Adjusters--Crossing the Rubicon, Arrest Affidavit; Felix Bravo & Barbara Maria Diaz de Villegas (AKA Barbara M. Gonzalez)
  • Public Adjusters--Crossing the Rubicon, Citizens SIU Report
  • Public Adjusters--Direct Payment
  • Public Adjusters--Do PA's Charge too much?
  • Public Adjusters--Emergency Services 24
  • Public Adjusters--Espinosa Sr. Gets 20 Years
  • Public Adjusters--FAPIA 2016 Membership List
  • Public Adjusters--FAPIA letter 2014
  • Public Adjusters--Leverett Case
  • Public Adjusters--Licensee Enforcement Actions, Dec. 2024
  • Public Adjusters--NAPIA letter to New Jersey Assembly
  • Public Adjusters--New Jersey Assembly bill SB 2472
  • Public Adjusters--Orlando Sentinel article
  • Public Adjusters--Posts by Chip Merlin
  • Public Adjusters--Sandy victim wins lawsuit
  • Public Adjusters--The History of Public Adjusters
  • Public Adjusters-Advertorial by FAPIA President
  • Public Adjusters: Espinosa Case
  • Public Adjusters: Espinosa Case
  • Public Adjusters: Espinosa Case, Murder Plot
  • Public Adjusters; article for Miami Herald
  • Public Adjusters; Consumer Group Warnings
  • Public Adjusters; NAPIA Responds
  • Public Adjusters—Licensee enforcement actions, Dec. 2024
  • Quinnipiac Poll 2011
  • Rate Hikes, 2012
  • Rate Hikes; articles by Julie Patel, 2011
  • Ratings Paper Executive Summary
  • Rebating Issues; History & Background, Florida
  • Rebating; Federal Memo Prohibiting
  • Rebating; Original Florida Case
  • Reinsurance--Atwaters letter to McCarty
  • Reinsurance--McCarty's 2nd response to Atwater
  • Reinsurance--McCarty's response to Atwater
  • Report of Aggregate Net PML & Assessments; February 2011
  • Residual Mrkt Plans: From Markets of Last Resort to Market of First Choice
  • RMS Model Comparison for Monroe County
  • Roofing--Consumer Advisory
  • Rytech's Growing Team
  • Rytech; Why Rytech for Carrier's
  • SB-408; 2011's General Property Reform Package
  • SB-7052 The Insurer Accountability Act
  • SB-7052 The Insurer Accountability Act
  • Sean Shaw article: Advocates Won't Stop Fighting
  • Senator Mike Fasano Press Release
  • Sinkhole Articles
  • Sinkhole Articles
  • Sinkhole Handout; 2011
  • Sinkhole Structural Damage Decision
  • Sinkholes 2011; Wallstreet Journal article by Leslie Scism
  • Sinkholes--Court Decision on Structural Damage 9/3/13
  • Sinkholes; By Steve Pociask
  • Stander vs Trigaux
  • State Regulatory Report Card; "F" for Florida
  • Statewide Wind Pool; Crane Group Proposal--March 30, 2008
  • Sun Sentinel article--Insurance companies set to squeeze even more money out of us this storm season.
  • Surplus & Underwriting Totals; as of 12/31/09
  • TAX WATCH...Special Report; April 2010.
  • The Bottom Line--article rebutting attacks on Reinsurance Industry
  • The Property Insurance Debate
  • The Property Insurance Debate II
  • The Ten Worst Insurance Companies in America
  • Tricks of the Trade--How Insurance Companies Deny, Delay, Confuse & Refuse
  • Universal article by Action 9 News
  • Universal Order--Article by Herald Tribune
  • Universal Order--Article by Palm Beach Post
  • Universal P & C--Claim Denials
  • Universal P & C--Claim Denials
  • Universal P & C--Claim Denials
  • US BANK RESCINDS SINKHOLE REQUIREMENT
  • Voluntary Market Commission Percentages
  • Waiting For Hurricane Charlie; WSJ Article
  • Windstorm Coverage Fund (WCF)

Marsh Kickback Scandal/Compensation Disclosure

  • Agent Groups Rage Over Contingent Fee Issue
  • Agent Leaders Counter RIMS Pres
  • AON SETTLES CORRUPTION PROBE
  • Broker Fees
  • Committees Ex Broker Settlement
  • Crist attacks insurance firms after his rate-cut vow is ignored
  • Definition of Contingent Commissions
  • IIABNY Appeals Decsision--9/1/2011
  • KICKBACK by Scott Johnson
  • Marsh & McLennan Companies
  • Marsh Settlement
  • NAIC Documents
  • New York Lawsuit Exhibits
  • PIA National Takes Issue with Plumeri's Comments
  • Producer Compensation Issue Update
  • Signed Settlement
  • Spitzer NY Testimony
  • Spitzer Suit Dismissed--
  • Spitzer US Senate Testimony
  • Spitzer's $60 Million Libel Lawsuit
  • Spitzer/Cuomo Editorial; WSJ
  • STATE SETTLES PROBE OF WILLIS
  • The original complaint with Supreme Court
  • THE SMALL LAWS: ELIOT SPITZER AND THE WAY TO INSURANCE MARKET REFORM
  • Timeline and Chronology
  • Timeline and Chronology of Events and Issues
  • USA Today account of the charges
  • Wharton Study
  • Willis CEO asserts stand on Contingent Commissions
  • Willis Group calls on insurance industry to end practice of contingent agreements with insurance carriers
  • Zurich Class Action Settlement Memo

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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
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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
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Johnson Strategies has relied upon Mr. Zalma on numerous occasions for his research and insight into matters of insurance fraud, bad faith, relevant case law and expert analysis. Learn more

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

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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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