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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">FYI – thanks to Jay Mussman<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
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<b><span style="color:#1F497D">Scott P. Pence | Carlton Fields</span></b><b><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D"><o:p></o:p></span></b></p>
<p class="MsoNormal" style="text-autospace:none"><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D">Board Certified in Construction Law by The Florida Bar<o:p></o:p></span></p>
<p class="MsoNormal" style="text-autospace:none"><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D">Direct: 813.229.4322 | Fax: 813.229.4133<o:p></o:p></span></p>
<p class="MsoNormal" style="text-autospace:none"><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D">4221 W. Boy Scout Blvd., Ste. 1000<o:p></o:p></span></p>
<p class="MsoNormal" style="text-autospace:none"><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D">Tampa, Florida 33607-5780
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<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:black"><a href="http://www.cfjblaw.com/spence/"><span style="color:blue">bio</span></a> |
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<p class="MsoNormal"><b><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif"">From:</span></b><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif""> Mussman, Jay D. [mailto:jmussman@daypitney.com]
<br>
<b>Sent:</b> Tuesday, June 20, 2017 5:48 PM<br>
<b>To:</b> Pence, Scott<br>
<b>Subject:</b> FW: Press Release: Citizens’ Board OKs 2018 rates, policy changes<o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><a name="_MailEndCompose"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">Please share</span></a><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">Thank you</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">Regards</span><o:p></o:p></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:12.5pt;font-family:"Calibri","sans-serif";color:#003366">Jay D. Mussman | Attorney at Law |
</span><a href="http://www.daypitney.com/professionals/M/Mussman-Jay-D"><span style="font-size:12.5pt;font-family:"Calibri","sans-serif";color:blue">Attorney Bio</span></a><span style="font-size:12.5pt;font-family:"Calibri","sans-serif";color:#003366">
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</span><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">399 West Palmetto Park Road, Suite 202 | Boca Raton FL 33432-3760<br>
t (561) 537 4934 | f (561) 952 4267 | m (561) 862 8107<br>
</span><a href="mailto:jmussman@daypitney.com"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#003366">jmussman@daypitney.com</span></a><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"> |
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<p class="MsoNormal" style="margin-left:.5in"><b><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif"">From:</span></b><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif""> Newsroom [<a href="mailto:Newsroom@citizensfla.com">mailto:Newsroom@citizensfla.com</a>]
<br>
<b>Sent:</b> Tuesday, June 20, 2017 11:32 AM<br>
<b>To:</b> Newsroom<br>
<b>Subject:</b> Press Release: Citizens’ Board OKs 2018 rates, policy changes</span><o:p></o:p></p>
</div>
</div>
<p class="MsoNormal" style="margin-left:.5in"> <o:p></o:p></p>
<p class="MsoNormal" align="center" style="margin-left:.5in;text-align:center"><img border="0" width="802" height="133" id="Picture_x0020_6" src="cid:image008.jpg@01D2E9B8.C5327BC0"><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"> <o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in">FOR IMMEDIATE RELEASE<o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="color:black">June 20, 2017
</span> <o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"> <o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in">Contact: Michael Peltier<o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in">(850) 513-3774<o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in">(850) 264-7702 (cell)<o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><b> </b><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;background:white"><b><span style="color:black"> </span></b><o:p></o:p></p>
<p class="MsoNormal" align="center" style="margin-left:.5in;text-align:center;background:white">
<b><span style="color:black">Citizens’ Board OKs 2018 rates, policy changes</span></b><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;background:white"><b><span style="color:black"> </span></b><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;background:white"><span style="color:#333333">MAITLAND, FL – Citizens’ Board of Governors on Tuesday approved recommended rates and policy changes for 2018 that reflect rising nonweather water losses, assignment
of benefits abuse and out-of-control litigation that, left unchecked, will force rate hikes for years to come. </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;background:white"><span style="color:#333333"> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;background:white"><span style="color:#333333">By unanimous vote, board members recommended a 5.3 percent statewide increase for personal lines policyholders – homeowners, condominium unit owners and renters – with
most increases concentrated in three South Florida counties where water losses, assignment of benefits abuse and litigation are disproportionately severe.
</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;background:white"><span style="color:#333333"> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;background:white"><span style="color:#333333">Board members also approved a series of policy changes aimed at reducing claims costs for nonweather water losses that have been pushing rates higher for South Florida
customers over the last few years. If approved, the changes would take effect in February 2018.
</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;background:white"><span style="color:#333333"> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;background:white"><span style="color:#333333">Among the major policy changes is a $10,000 cap on water loss repairs for customers who decide not to participate in the Citizens Managed Repair Program, which links
customers with a network of vetted contractors. The voluntary managed repair program, coupled with a free emergency water removal service, will become available to new Citizens policyholders after July 1, 2017, and for existing customers when their policies
renew.</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;background:white"><span style="color:#333333"> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;background:white"><span style="color:#333333">Other policy changes include expanding obligations to third parties that accept an assignment of benefits. Currently, contractors who accept an assignment are not bound
by the same obligations, including allowing Citizens adjusters to inspect a claim in a timely manner or providing proof that a loss has occurred.
</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;background:white"><span style="color:#333333"> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;background:white"><span style="color:#333333">“These proposed rate increases and product changes are critical for Citizens’ efforts to bring some relief to a market that is being made increasingly expensive by unnecessary
litigation and out-of-control water loss claims,” said Chris Gardner, Chairman of the Citizens Board of Governors. “Unfortunately, we are making it more expensive for many of our customers to own a home.”</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;background:white"><span style="color:#333333"> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;background:white"><span style="color:#333333">The 2017 legislative session concluded in May without making significant changes to state law regarding assignment of benefits and the so-called one-way attorney fee
statute that are driving up costs that must be paid through higher premiums. Citizens joined other insurers, business and consumer groups pushing for reform.</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;background:white"><span style="color:#333333"> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;background:white"><span style="color:#333333">“It’s ironic that our rates for wind coverage are coming down, but Citizens policyholders in South Florida still must brace themselves for continued rate increases,”
Gardner said. “We don’t want to raise premiums, but Citizens is obligated by statute to set actuarially sound rates.”</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;background:white"><span style="color:#333333"> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;background:white"><span style="color:#333333">The 2018 rate proposal continues a recent trend in Miami-Dade, Broward and Palm Beach counties. Homeowners with multiperil coverage in Miami Dade County, for example,
will see an average increase of 10.5 percent, or $359, from 2017 premiums. Broward and Palm Beach county homeowners will see rates increase by 10.4 percent and 9.3 percent respectively.
</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;background:white"><span style="color:#333333"> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;background:white"><span style="color:#333333">Outside of the Tricounty area, many policyholders will see rates decrease or remain flat. Citizens’ homeowners policyholders in 56 of 67 counties will see average rates
decrease under the set of proposed rates. </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;background:white"><span style="color:#333333"> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;background:white"><span style="color:#333333">Proposed rates and policy changes must be approved by the Florida Office of Insurance Regulation, which oversees all Florida property insurers. Both the new rates and
policy changes would take effect in February 2018.</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;background:white"><span style="color:#333333"> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;background:white"><span style="color:#333333">“We were hoping for legislative change and a surgical solution,” said Barry Gilway, Citizens President/CEO and Executive Director. “Given that this did not occur in 2017,
we cannot wait for the trends to worsen and take no corrective action.” </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;background:white"><span style="color:#333333;background:white"> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;background:white"><span style="color:#333333;background:white">Citizens has prepared a
</span><a href="https://www.citizensfla.com/documents/20702/4794283/2018+Rate+Kit/022a1c4d-5b76-4438-8ef6-5b3b044b03c7"><span style="background:white">2018 rate kit</span></a><span class="apple-converted-space"><span style="color:#333333;background:white">
</span></span><span style="color:#333333;background:white">for the media with information about its 2018 rate filing, including answers to common questions and county-by-county estimates<span class="apple-converted-space">
</span>for particular policy types. Additional information about policy changes is available on the
</span><a href="https://www.citizensfla.com/-/20170619-a-u"><span style="background:white">Citizens website.</span></a><span style="color:#333333;background:white">
</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;background:white"><span style="color:#333333;background:white"> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;background:white"><span style="color:#333333;background:white">The kit also includes information about Citizens' costs and projected rate need for 2018.
</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><b> </b><o:p></o:p></p>
<p class="MsoNormal" align="center" style="margin-left:.5in;text-align:center">###<o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"> <o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><sub>In 2002, the Florida Legislature created Citizens Property Insurance Corporation (Citizens), a not-for-profit alternative insurer, whose public purpose is to provide insurance to, and serve the needs of, property
owners who cannot find coverage in the private insurance market.</sub><o:p></o:p></p>
<p class="MsoNormal" align="center" style="margin-left:.5in;text-align:center"><img border="0" width="314" height="2" id="_x0000_i1030" src="cid:image009.png@01D2E9B8.C5327BC0"><sub> </sub><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"> <o:p></o:p></p>
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