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<p class="MsoNormal"><span style="color:#1F497D">Please see below and attached – thanks to Jay Mussman.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
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<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>
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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> Wednesday, December 13, 2017 1:05 PM<br>
<b>To:</b> Pence, Scott<br>
<b>Subject:</b> FW: Press Release - Citizens Board gets Irma update, welcomes new members<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="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">Regards</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@01D37412.E64D3810"></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>
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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> Wednesday, December 13, 2017 12:57 PM<br>
<b>To:</b> Newsroom<br>
<b>Subject:</b> Press Release - Citizens Board gets Irma update, welcomes new members</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-size:10.0pt;font-family:"Arial","sans-serif""><img border="0" width="802" height="133" id="Picture_x0020_1" src="cid:image002.jpg@01D37411.D9247EB0"></span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><b><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:#0065A4"> </span></b><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Arial","sans-serif"">FOR IMMEDIATE RELEASE</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Arial","sans-serif"">December 13, 2017</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Arial","sans-serif""> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Arial","sans-serif"">Contact: Michael Peltier</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;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-size:10.0pt;font-family:"Arial","sans-serif"">(850) 513-3774</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Arial","sans-serif""> </span><o:p></o:p></p>
<p class="MsoNormal" align="center" style="margin-left:.5in;text-align:center"><b><span style="font-size:10.0pt;font-family:"Arial","sans-serif"">Citizens Board gets Irma update, welcomes new members</span></b><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><b><span style="font-size:10.0pt;font-family:"Arial","sans-serif""> </span></b><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Arial","sans-serif"">MAITLAND, FL – Citizens Property Insurance Corporation emerged from the 2017 hurricane season financially sound and continues to assist policyholders
recovering from Hurricane Irma, Citizens claims officials told members of the Board of Governors Wednesday.</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Arial","sans-serif""> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Arial","sans-serif"">Looking ahead, Citizens will continue to face rising water-loss claims, assignment of benefit abuse and litigation. Further, the state’s insurer of
last resort is preparing for the return of more than 60,000 policyholders from private insurance companies facing similar market conditions that, barring legislative action, will force rates higher for years to come.
</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Arial","sans-serif""> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Arial","sans-serif"">“Citizens remains fiscally sound after quickly and effectively responding to Hurricane Irma,” said Chris Gardner, Chairman of Citizens Board of Governors.
“Following the storm, we maintain $6.4 billion in surplus and substantial reinsurance coverage that will be there the next time our customers need us.”</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Arial","sans-serif""> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Arial","sans-serif"">While nearly 80 percent of 63,600 Irma claims have been closed, Citizens continues to work with policyholders whose claims remain open or whose closed
claims need to be adjusted further. </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Arial","sans-serif""> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Arial","sans-serif"">Most policyholders have already had their homes inspected and many have spoken to a Citizens desk adjuster. 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"><span style="font-size:10.0pt;font-family:"Arial","sans-serif""> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Arial","sans-serif"">Payments issued represent partial payment for Irma-related damages based on initial adjustments. As repairs begin, 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"><span style="font-size:10.0pt;font-family:"Arial","sans-serif""> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Arial","sans-serif"">Following a September meeting shortened so Citizens employees could concentrate on Irma recovery efforts, the board approved the 2018 budget and amended
timetables for policy changes set to take effect next year to address nonweather-related water losses and assignment of benefit issues.</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Arial","sans-serif""> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Arial","sans-serif"">The policy changes include the creation of $10,000 limit on nonweather related water-loss claims unless repairs are completed by contractors participating
in Citizens managed repair program. Originally scheduled to take effect on February 1, 2018, the sublimit will go into effect for new and renewal policies beginning May 1, to coincide with the implementation of Citizens 2018 rates.</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Arial","sans-serif""> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Arial","sans-serif"">Also rescheduled for May 1, 2018, are requirements that contractors and other third parties adhere to the same disclosure responsibilities as policyholders
when they accept an assignment of benefit.</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Arial","sans-serif""> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Arial","sans-serif"">“We are doing what we can to address the critical issues of water losses, assignment of benefit abuse and litigation,” said Barry Gilway, Citizens
President, CEO and Executive Director. “To fully address the issue, we will need statutory changes, including revisions to Florida’s one-way attorney fee statute.”
</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Arial","sans-serif""> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Arial","sans-serif"">Citizens also welcomed new board members who filled vacancies on the
<a href="https://www.citizensfla.com/board-of-governors">nine-member board</a>. </span>
<o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Arial","sans-serif""> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Arial","sans-serif"">John McKay, president of The Riverside Real Estate Co, served in the Florida Senate from 1990 to 2002. He was Senate President from 2000 to 2002. McKay,
a Bradenton resident, was appointed by Florida’s Chief Financial Officer Jimmy Patronis. He succeeds Juan Cocuy.</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Arial","sans-serif""> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Arial","sans-serif"">Blake Capps is a founding partner at Capps and Huff Roofing, Inc. (now Capps Roofing, Inc.). A graduate of the University of Florida and Mercer University
Law School, Capps, of Hobe Sound, was appointed by Senate President Joe Negron, R-Stuart. He replaces Jim Henderson.</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Arial","sans-serif""> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Arial","sans-serif"">John Wortman, a resident of Ponte Vedra, returns to Citizens Board of Governors, where he served as a board member from 2011 to 2016. The former CEO
of Louisiana Citizens Property Insurance from 2007 to 2010, Wortman was appointed by House Speaker Richard Corcoran, R-Lutz. He replaces Don Glisson.</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;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-size:10.0pt;font-family:"Arial","sans-serif"">###</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;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>
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