We need to go back to ACV across the board on all property policies and get out of the maintenance business. The two homes in this article are both in Miami Gardens and need to be specifically risk rated..
I’ll bet the first guy mentioned is seeing the increase because he is having wind mitigation credits removed that he was not eligible for and Citizens could not confirm (and no other inspector could confirm) without full attic access. No where does he say his rates went up because of an increase but because they could not get into his attic. Sounds like he enjoyed years of artificially low rates due to the rampant wind mitigation fraud that was occurring throughout Florida.
Most who filed a claim with Citizens during 2004 or 2005 don’t want to be there in 2013. These boneheads that rejected the takeouts must not have had any issues.
I don’t disagree that Citizens is a bad option. On the other hand I can’t withhold information when a client specifically asks: “I received an opt-out form from American Heritage. Do you know when they started in business? Or do you have any experience with or knowledge of their claims handling?” Some clients, who we moved out of Magnolia, Northern Capital, or Argus, aren’t excited about my answers.
As the article clearly states, the problem is Citizen’s rates are not hign enough to cover losses. Perhaps this was an effective way to win elections, but is not a sensible way to run an insurance company. Rates must be sound if private carriers are to compete wiht Citizens and get the other citizens of Florida out of their role of subsidizing the insurance costs for Citizen’s clients. If you choose to live in a high risk area, you must pay the cost
I am hearing from Citizens clients that the inspectors don’t put much effort into getting in to these attics either. If there is the slightest obstruction they don’t bother to try and just remove the discount. Yet the inspector we send out does find a way and take photos. Makes you wonder why the one for the insurer can’t get in the attic but the one for the client can.
My agency notices the same thing. I even had a client lose her shutter discount because the inspector said the shutters went on site. She had roll down shutters on every window! So, the uw at Citizens said ins could take photos of every window sticker and provide other docs if she wanted the discount reapplied.
It’s almost comical at this point how many of their inspectors can’t gain attic access.
Whoa is me the private Insurance market says! We can’t compete with Government!
You ridiculous people! The reason Citizens was formed in the first place is because of the “Complete & Utter Failure ” of the Private Insurers!
Policy holders everywhere of every type Insurance are sick and tired of the whinning, stealing and uselessness of Insurance Companies. You pay and pay, and when you need something the “The Till is EMPTY”.
Maybe we should just boycott insurance. Maybe that will get the attention of the Induustry and its Regulators!
We need to go back to ACV across the board on all property policies and get out of the maintenance business. The two homes in this article are both in Miami Gardens and need to be specifically risk rated..
I’ll bet the first guy mentioned is seeing the increase because he is having wind mitigation credits removed that he was not eligible for and Citizens could not confirm (and no other inspector could confirm) without full attic access. No where does he say his rates went up because of an increase but because they could not get into his attic. Sounds like he enjoyed years of artificially low rates due to the rampant wind mitigation fraud that was occurring throughout Florida.
“Just because of that, they can’t get into my roof!”
How did inspectors get into your roof before to give your the credits you lost?
Most who filed a claim with Citizens during 2004 or 2005 don’t want to be there in 2013. These boneheads that rejected the takeouts must not have had any issues.
I don’t disagree that Citizens is a bad option. On the other hand I can’t withhold information when a client specifically asks: “I received an opt-out form from American Heritage. Do you know when they started in business? Or do you have any experience with or knowledge of their claims handling?” Some clients, who we moved out of Magnolia, Northern Capital, or Argus, aren’t excited about my answers.
As the article clearly states, the problem is Citizen’s rates are not hign enough to cover losses. Perhaps this was an effective way to win elections, but is not a sensible way to run an insurance company. Rates must be sound if private carriers are to compete wiht Citizens and get the other citizens of Florida out of their role of subsidizing the insurance costs for Citizen’s clients. If you choose to live in a high risk area, you must pay the cost
I am hearing from Citizens clients that the inspectors don’t put much effort into getting in to these attics either. If there is the slightest obstruction they don’t bother to try and just remove the discount. Yet the inspector we send out does find a way and take photos. Makes you wonder why the one for the insurer can’t get in the attic but the one for the client can.
My agency notices the same thing. I even had a client lose her shutter discount because the inspector said the shutters went on site. She had roll down shutters on every window! So, the uw at Citizens said ins could take photos of every window sticker and provide other docs if she wanted the discount reapplied.
It’s almost comical at this point how many of their inspectors can’t gain attic access.
Whoa is me the private Insurance market says! We can’t compete with Government!
You ridiculous people! The reason Citizens was formed in the first place is because of the “Complete & Utter Failure ” of the Private Insurers!
Policy holders everywhere of every type Insurance are sick and tired of the whinning, stealing and uselessness of Insurance Companies. You pay and pay, and when you need something the “The Till is EMPTY”.
Maybe we should just boycott insurance. Maybe that will get the attention of the Induustry and its Regulators!