<html xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office" xmlns:w="urn:schemas-microsoft-com:office:word" xmlns:m="http://schemas.microsoft.com/office/2004/12/omml" xmlns="http://www.w3.org/TR/REC-html40">
<head>
<meta http-equiv="Content-Type" content="text/html; charset=utf-8">
<meta name="Generator" content="Microsoft Word 14 (filtered medium)">
<!--[if !mso]><style>v\:* {behavior:url(#default#VML);}
o\:* {behavior:url(#default#VML);}
w\:* {behavior:url(#default#VML);}
.shape {behavior:url(#default#VML);}
</style><![endif]--><style><!--
/* Font Definitions */
@font-face
{font-family:Calibri;
panose-1:2 15 5 2 2 2 4 3 2 4;}
@font-face
{font-family:Tahoma;
panose-1:2 11 6 4 3 5 4 4 2 4;}
/* Style Definitions */
p.MsoNormal, li.MsoNormal, div.MsoNormal
{margin:0in;
margin-bottom:.0001pt;
font-size:11.0pt;
font-family:"Calibri","sans-serif";}
a:link, span.MsoHyperlink
{mso-style-priority:99;
color:#0563C1;
text-decoration:underline;}
a:visited, span.MsoHyperlinkFollowed
{mso-style-priority:99;
color:#954F72;
text-decoration:underline;}
p
{mso-style-priority:99;
margin:0in;
margin-bottom:.0001pt;
font-size:12.0pt;
font-family:"Times New Roman","serif";}
p.MsoAcetate, li.MsoAcetate, div.MsoAcetate
{mso-style-priority:99;
mso-style-link:"Balloon Text Char";
margin:0in;
margin-bottom:.0001pt;
font-size:8.0pt;
font-family:"Tahoma","sans-serif";}
span.BalloonTextChar
{mso-style-name:"Balloon Text Char";
mso-style-priority:99;
mso-style-link:"Balloon Text";
font-family:"Tahoma","sans-serif";}
span.EmailStyle20
{mso-style-type:personal;
font-family:"Calibri","sans-serif";
color:windowtext;}
span.EmailStyle21
{mso-style-type:personal;
font-family:"Calibri","sans-serif";
color:#1F497D;}
span.EmailStyle22
{mso-style-type:personal-reply;
font-family:"Calibri","sans-serif";
color:#1F497D;}
.MsoChpDefault
{mso-style-type:export-only;
font-size:10.0pt;}
@page WordSection1
{size:8.5in 11.0in;
margin:1.0in 1.0in 1.0in 1.0in;}
div.WordSection1
{page:WordSection1;}
--></style><!--[if gte mso 9]><xml>
<o:shapedefaults v:ext="edit" spidmax="1026" />
</xml><![endif]--><!--[if gte mso 9]><xml>
<o:shapelayout v:ext="edit">
<o:idmap v:ext="edit" data="1" />
</o:shapelayout></xml><![endif]-->
</head>
<body lang="EN-US" link="#0563C1" vlink="#954F72">
<div class="WordSection1">
<p class="MsoNormal"><span style="color:#1F497D">Please see below and attached FYI, thanks to Jay Mussman.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<div>
<p class="MsoNormal" style="mso-margin-top-alt:1.0pt;margin-right:0in;margin-bottom:1.0pt;margin-left:0in;text-autospace:none">
<b><span style="font-size:12.0pt;font-family:"Times New Roman","serif";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
<o:p></o:p></span></p>
<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> |
<a href="http://www.cfjblaw.com/FCWSite/Features/_Attorneys/vCard.aspx?attorney=7">
<span style="color:blue">vcard</span></a> | <a href="http://www.linkedin.com/in/pencescott">
<span style="color:blue">linkedin</span></a></span><span style="color:#1F497D"><o:p></o:p></span></p>
</div>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<div>
<div style="border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in">
<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> Wednesday, November 29, 2017 11:42 AM<br>
<b>To:</b> Pence, Scott<br>
<b>Subject:</b> FW: Press Release: Citizens bids farewell to Irma-driven 2017 hurricane season<o:p></o:p></span></p>
</div>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><a name="_MailEndCompose"><span style="color:#1F497D">Please share</span></a><o:p></o:p></p>
<p class="MsoNormal"><span style="color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoNormal"><span style="color:#1F497D">Thank you</span><o:p></o:p></p>
<p class="MsoNormal"><span style="color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoNormal"><span style="color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:12.5pt;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;color:blue">Attorney Bio</span></a><span style="font-size:12.5pt;color:#003366">
<br>
</span><span style="font-size:6.0pt;color:#1F497D"><br>
</span><a href="http://www.daypitney.com/"><span style="font-size:6.0pt;color:blue;text-decoration:none"><img border="0" width="585" height="25" id="_x0000_i1025" src="cid:image001.jpg@01D36906.F9539100"></span></a><span style="font-size:6.0pt;color:#1F497D"><br>
<br>
</span><span style="color:#1F497D">Mizner Park Office Tower 225 NE Mizner Boulevard, Suite 350 | Boca Raton FL 33432-4078<br>
t (561) 537 4934 | f (561) 952 4267 | m (561) 862 8107<br>
</span><a href="mailto:jmussman@daypitney.com"><span style="color:#003366">jmussman@daypitney.com</span></a><span style="color:#1F497D"> |
</span><a href="http://www.daypitney.com"><span style="color:#003366">www.daypitney.com</span></a><span style="color:#1F497D"><br>
</span><a href="http://www.daypitney.com/about/offices/boston"><span style="color:black;text-decoration:none">BOSTON</span></a><span style="color:#1F497D"> | </span><a href="http://www.daypitney.com/about/offices"><span style="color:black;text-decoration:none">CONNECTICUT</span></a><span style="color:#1F497D">
| </span><a href="http://www.daypitney.com/about/offices"><span style="color:black;text-decoration:none">FLORIDA</span></a><span style="color:#1F497D"> | </span><a href="http://www.daypitney.com/about/offices/parsippany"><span style="color:black;text-decoration:none">NEW
JERSE</span></a><span style="color:#1F497D">Y | </span><a href="http://www.daypitney.com/about/offices/new-york"><span style="color:black;text-decoration:none">NEW YORK</span></a><span style="color:#1F497D"> | </span><a href="http://www.daypitney.com/about/offices/washington-dc"><span style="color:black;text-decoration:none">WASHINGTON,
DC</span></a><span style="color:#1F497D"> </span><a href="http://facebook.com/DayPitney"><span style="color:blue;text-decoration:none"><img border="0" width="20" height="20" id="_x0000_i1026" src="cid:image002.jpg@01D36906.F9539100" alt="Day Pitney LLP on Facebook"></span></a><span style="color:#1F497D">
</span><a href="http://www.twitter.com/daypitneyllp"><span style="color:blue;text-decoration:none"><img border="0" width="25" height="20" id="_x0000_i1027" src="cid:image003.png@01D36906.F9539100" alt="Follow Day Pitney LLP on Twitter"></span></a><span style="color:#1F497D"> </span><a href="https://www.linkedin.com/company/day-pitney-llp"><span style="color:blue;text-decoration:none"><img border="0" width="20" height="20" id="_x0000_i1028" src="cid:image004.jpg@01D36906.F9539100" alt="Day Pitney LLP on Linkedin"></span></a><span style="color:#1F497D"><br>
<br>
<img border="0" width="639" height="121" id="_x0000_i1029" src="cid:image005.jpg@01D36906.F9539100"></span><o:p></o:p></p>
<div>
<div style="border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in">
<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> Wednesday, November 29, 2017 11:33 AM<br>
<b>To:</b> Newsroom<br>
<b>Subject:</b> Press Release: Citizens bids farewell to Irma-driven 2017 hurricane season</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"><span style="font-family:"Arial","sans-serif""><img border="0" width="802" height="133" id="Picture_x0020_1" src="cid:image008.jpg@01D36905.D273E540"></span><o:p></o:p></p>
<p class="MsoNormal" align="center" style="margin-left:.5in;text-align:center"><span style="font-family:"Arial","sans-serif""> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-family:"Arial","sans-serif"">FOR IMMEDIATE RELEASE</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-family:"Arial","sans-serif"">November 29, 2017</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-family:"Arial","sans-serif""> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-family:"Arial","sans-serif"">Contact: Michael Peltier</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-family:"Arial","sans-serif"">(850) 513-3774</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-family:"Arial","sans-serif"">(850) 264-7702 (cell)</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-family:"Arial","sans-serif""> </span><o:p></o:p></p>
<p align="center" style="margin-left:.5in;text-align:center"><b><span style="font-family:"Arial","sans-serif"">Citizens bids farewell to Irma-driven 2017 hurricane season</span></b><o:p></o:p></p>
<p class="MsoNormal" align="center" style="margin-left:.5in;text-align:center"><span style="font-size:12.0pt;font-family:"Arial","sans-serif""> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-family:"Arial","sans-serif""> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;text-align:justify"><span style="font-family:"Arial","sans-serif"">TALLAHASSEE, FL – The 2017 hurricane season ends quietly this week, but not before causing nearly $6 billion in damage as Hurricane Irma ripped through
South Florida and the Florida Keys in September, the first major storm to ravage the state in more than 12 years.</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;text-align:justify"><span style="font-family:"Arial","sans-serif""> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;text-align:justify"><span style="font-family:"Arial","sans-serif"">As the season comes to a close November 30, Citizens Property Insurance Corporation remains financially stable and has so far closed nearly two-thirds
of the 62,000 Irma-related claims, including more than 42,400 claims in Miami-Dade, Broward and Monroe Counties.</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;text-align:justify"><span style="font-family:"Arial","sans-serif""> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;text-align:justify"><span style="font-family:"Arial","sans-serif"">Citizens continues to assist policyholders whose claims remain open or whose closed claims need to be adjusted further. Irma, which hit the Florida
Keys on September 10, 2017, as a Category 4 hurricane, is expected to produce up to 70,000 claims and $1.2 billion in damages to Citizens policyholders.</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;text-align:justify"><span style="font-family:"Arial","sans-serif""> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;text-align:justify"><span style="font-family:"Arial","sans-serif"">“With $6.4 billion in surplus and substantial reinsurance coverage, Citizens remains fiscally sound after responding quickly and effectively to Hurricane
Irma,” said Chris Gardner, chairman of tested Citizens’ Board of Governors. “But we still have much work to do. Our focus will remain on our policyholders until we have satisfactorily handled all outstanding claims.”</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;text-align:justify"><span style="font-family:"Arial","sans-serif""> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;text-align:justify"><span style="font-family:"Arial","sans-serif"">Industrywide as of November 13, 2017, the storm had produced 830,788 claims and more than $5.8 billion in property damage, according to data from
the Florida Office of Insurance Regulation. Those figures will undoubtedly rise when the agency next reports industry data on December 4. Statewide, 64 percent of all Irma claims have been closed.
</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;text-align:justify"><span style="font-family:"Arial","sans-serif""> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;text-align:justify"><span style="font-family:"Arial","sans-serif"">Many Citizens policyholders have already had their homes inspected and may also have spoken to a Citizens desk adjuster about their claim. If covered
damages exceed the hurricane deductible, policyholders also have received a payment from Citizens based on those initial estimates.
</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;text-align:justify"><span style="font-family:"Arial","sans-serif""> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;text-align:justify"><span style="font-family:"Arial","sans-serif"">This check represents a partial payment for Irma-related damages based on our initial adjustment. As repairs begin, policyholders can rest assured
Citizens will make additional payments – up to the policy limits – if further Irma-related damage is discovered or market conditions render the initial settlement inadequate to make reasonable repairs on covered losses.
</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;text-align:justify"><span style="font-family:"Arial","sans-serif""> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;text-align:justify"><span style="font-family:"Arial","sans-serif"">Policyholders with claims are encouraged to contact Citizens at any time to report additional losses or damage discovered during the recovery process.
Customers can also contact Citizens to discuss any initial claims payment, the basis of the payment, and whether any additional amounts may be paid. </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;text-align:justify"><span style="font-family:"Arial","sans-serif""> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;text-align:justify"><span style="font-family:"Arial","sans-serif"">“As recovery efforts continue following Hurricane Irma, Citizens wants our customers to know that we are here with you through the claims process,”
said Jay Adams, Citizens Chief of Claims. “We understand the challenges of identifying all covered losses to your insured property caused by a major weather event such as Hurricane Irma. We are here to help.”</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;text-align:justify"><span style="font-family:"Arial","sans-serif""> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;text-align:justify"><span style="font-family:"Arial","sans-serif"">Policyholders suffering property damage should call Citizens first at 866.411.2742 to report a claim. Representatives are available 24/7. More information
can be found on <a href="https://www.citizensfla.com/storms">Citizens website</a>.</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in;text-align:justify"><span style="font-family:"Arial","sans-serif""> </span><o:p></o:p></p>
<p class="MsoNormal" align="center" style="margin-left:.5in;text-align:center"><span style="font-family:"Arial","sans-serif"">###</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-family:"Arial","sans-serif""> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><sub><span style="font-family:"Arial","sans-serif"">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.</span></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_i1031" src="cid:image009.png@01D36905.D273E540"><sub><span style="font-family:"Arial","sans-serif""> </span></sub><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:5.0pt;font-family:"Arial","sans-serif""> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-family:"Arial","sans-serif""><img border="0" width="14" height="13" id="Picture_x0020_3" src="cid:image010.jpg@01D36905.D273E540" alt="Citizens on Facebook"><a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__www.facebook.com_pages_Citizens-2DProperty-2DInsurance-2DCorporation_313353039304&d=DwMFAg&c=-Q2oFtSeUeVdqcGrCCygxt6LResmVl0POOzRQwCZt0Q&r=JzxZ6kWoCgxBJ2xiMZfIcsJ1K0Ty8_j74y8X4EL7hZo&m=5-Nn4hib0jCfs0h_sM5g6jLV6iLePWiAMqImIxjFc9E&s=7JRR33xIqOtu9kSymAkkeWwBBdm2E9j2r8yknE2uHHk&e="><sub>Find
us on Facebook</sub></a> <sub> </sub><img border="0" width="15" height="14" id="Picture_x0020_2" src="cid:image011.jpg@01D36905.D273E540" alt="Citizens on Twitter"><a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__twitter.com_citizens-5Ffla&d=DwMFAg&c=-Q2oFtSeUeVdqcGrCCygxt6LResmVl0POOzRQwCZt0Q&r=JzxZ6kWoCgxBJ2xiMZfIcsJ1K0Ty8_j74y8X4EL7hZo&m=5-Nn4hib0jCfs0h_sM5g6jLV6iLePWiAMqImIxjFc9E&s=uKMQBun7BuU1k1_RcLRox3j5xv_B5H8FM8feypkPpgg&e="><sub>Follow
us @citizens_fla</sub></a></span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-family:"Arial","sans-serif""> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-family:"Arial","sans-serif""> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:12.0pt;font-family:"Times New Roman","serif"">This email and any attachments may contain confidential and privileged information and are solely for the use of the intended recipient(s). If
you have received this email in error, please notify the sender immediately, and delete the original message. If you are not the intended recipient, please do not use, disclose, disseminate or distribute this email or any information contained in this email.
Please be advised that emails are subject to the Florida Public Records Act, and any response to this email may be a public record.
</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-bottom:12.0pt"><span style="font-size:10.0pt;font-family:"Arial","sans-serif""><o:p> </o:p></span></p>
<div class="MsoNormal" align="center" style="text-align:center"><span style="font-size:10.0pt;font-family:"Arial","sans-serif"">
<hr size="2" width="100%" align="center">
</span></div>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial","sans-serif"">This message contains PRIVILEGED AND CONFIDENTIAL INFORMATION intended solely for the use of the addressee(s) named above. Any disclosure, distribution, copying or use of the
information by others is strictly prohibited. If you have received this message in error, please notify the sender by immediate reply and delete the original message. Thank you.
<br>
<br>
**********************************************************************************************************<o:p></o:p></span></p>
<div class="MsoNormal" align="center" style="text-align:center"><span style="font-size:10.0pt;font-family:"Arial","sans-serif"">
<hr size="2" width="100%" align="center">
</span></div>
</div>
</body>
</html>