The forms were supposed to be good for 5 years and re-inspections should be performed to the standard set on the form that the customer has on file.
That said, no one was promised credits they didn’t deserve. That’s called fraud. Nowhere on the form does it say that the inspection is not subject to audit.
More than not, there are more people who received credits that they did not deserve. The news channels showed reports of mitigation reports completed by inspectors on a drive by basis not even getting out of their cars. They didn’t walk the property or check the attic. For those who have legitimate claims, all they had to do was reschedule with Citizens a new inspection and actually be home this time to let the inspector into the attic. That would remedy the situation. How much money has Citizens lost over the years due to “fraudulent mitigation inspections”? This story should have been written from Citizens Insurance point of view!
Insurance Contracts are Contracts of Adhesion. Discrapancies need to be resolved in favour of the party that is accepting the contract, in this case, the consumer
Underwriting Guidelines have been changed in favour of CITIZENS in 100% of the times
For instance:
Some People have hip roofs ( hip roofs get a better rate) in most of their house, let’s say 95 % of the roof area is hip, and they have a small area, (lets 120 Ft out of a a 3,000 Sq Ft Home) that is a flat roof, Citizens according to their guidelines will rate this home as FLAT ROOF charging the poor consumer more money
The fair thing to do would be to rate the 95% as Hip and the remaining 5 % as flat and add the combined premiums
Also
Many consumers have Shutters that are strong, panel shutters or even accordion shutters but the homeowner does not have any documentation on the shutters, maybe the shutters were there when he purchased the home, or he personally installed them decades ago. So the documentation or provenance of these shutters is very hard to find.
So CITIZENS denies the Shutter Credit 100%, the consumer gets $0 Credit for having shutters
So in the event of a Hurricane, CITIZENS will get the benefit of the shutters as these Shutters Will Mitigate the Loss and will lessen the impact of the storm, but is denying a credit on the insurance premium to the consumer, so the consumer is getting screwed
As insurance being contracts of adhesion these differences need to be resolved in favor of the consumer as he is the one that is accepting the contract with the terms dictated by Citizens
The mitigation report would verify the shutter and earn the credit. If the hip roof format is 90% of the total roof area, the credit is given. Consumer isn’t getting screwed.
A roof with 5% of the roof line as something other than hip is granted the hip roof credit. 10% is the number per OIR form 1802.
Shutters that meet the 9 lb large missile test are clearly marked as such. Those that aren’t tested can’t be confirmed. How much is a fair credit for such devices? $5? $100? $1,000? They have these set standards for a reason.
The discounts are not a part of the contract. Fraudulent inspections should be weeded out. Re-inspections are the only way to do that.
You make no sense. If a car insurance company takes your money but you fail to disclose a ticket and they find it they’re going to increase your rate. How is this any different?
” Shutters that meet the 9 lb large missile test are clearly marked as such ”
the issue of the shutters needs to be resolved by a competent judge
I know many individuals in South FL that went to the local Home Depot and bought shutters and install them themselves, there were no labels, no NOA’s, after all you don’t need permits if you are working on your own home
the shutters will protect the home in the event of a hurricane but CITIZENS is not giving this consumers any breaks and the premiums
“The discounts are not a part of the contract” They are a part of the contract, they are the rating information on the policy
Roof Deck Attachment A, B, C
Opening Protection A, B, c or None Citizens is trying to say that everyone is None So everyone must get screwed
The use of this rating information is being used in ways that always screw the consumer in 99% of the time
After a competent Judge rules against Citizens ( Because he is probably getting screwed by Citizens on his own insurance) Then comes the class action suit
Yeah, you aren’t going to get a discount by just nailing up some shutters from home depot. They have to be the correct shutters, correctly installed. If you want the discount, those are the rules. Don’t do it incorrectly and you won’t have to worry about it. Obviously if the shutters from home depot aren’t labeled, then they aren’t the correct shutters. It’s pretty simple to me.
As far as screwing the consumer, I believe consumers have taken more from Citizens than they have given, so tell me again who exactly is being screwed here? If you don’t like Citizens, change to another insurance company. If there isn’t another insurance company that will offer coverage, MOVE OUT OF FLORIDA!
The forms were supposed to be good for 5 years and re-inspections should be performed to the standard set on the form that the customer has on file.
That said, no one was promised credits they didn’t deserve. That’s called fraud. Nowhere on the form does it say that the inspection is not subject to audit.
More than not, there are more people who received credits that they did not deserve. The news channels showed reports of mitigation reports completed by inspectors on a drive by basis not even getting out of their cars. They didn’t walk the property or check the attic. For those who have legitimate claims, all they had to do was reschedule with Citizens a new inspection and actually be home this time to let the inspector into the attic. That would remedy the situation. How much money has Citizens lost over the years due to “fraudulent mitigation inspections”? This story should have been written from Citizens Insurance point of view!
Insurance Contracts are Contracts of Adhesion. Discrapancies need to be resolved in favour of the party that is accepting the contract, in this case, the consumer
Underwriting Guidelines have been changed in favour of CITIZENS in 100% of the times
For instance:
Some People have hip roofs ( hip roofs get a better rate) in most of their house, let’s say 95 % of the roof area is hip, and they have a small area, (lets 120 Ft out of a a 3,000 Sq Ft Home) that is a flat roof, Citizens according to their guidelines will rate this home as FLAT ROOF charging the poor consumer more money
The fair thing to do would be to rate the 95% as Hip and the remaining 5 % as flat and add the combined premiums
Also
Many consumers have Shutters that are strong, panel shutters or even accordion shutters but the homeowner does not have any documentation on the shutters, maybe the shutters were there when he purchased the home, or he personally installed them decades ago. So the documentation or provenance of these shutters is very hard to find.
So CITIZENS denies the Shutter Credit 100%, the consumer gets $0 Credit for having shutters
So in the event of a Hurricane, CITIZENS will get the benefit of the shutters as these Shutters Will Mitigate the Loss and will lessen the impact of the storm, but is denying a credit on the insurance premium to the consumer, so the consumer is getting screwed
As insurance being contracts of adhesion these differences need to be resolved in favor of the consumer as he is the one that is accepting the contract with the terms dictated by Citizens
The mitigation report would verify the shutter and earn the credit. If the hip roof format is 90% of the total roof area, the credit is given. Consumer isn’t getting screwed.
You’re incorrect on so many different levels.
A roof with 5% of the roof line as something other than hip is granted the hip roof credit. 10% is the number per OIR form 1802.
Shutters that meet the 9 lb large missile test are clearly marked as such. Those that aren’t tested can’t be confirmed. How much is a fair credit for such devices? $5? $100? $1,000? They have these set standards for a reason.
The discounts are not a part of the contract. Fraudulent inspections should be weeded out. Re-inspections are the only way to do that.
You make no sense. If a car insurance company takes your money but you fail to disclose a ticket and they find it they’re going to increase your rate. How is this any different?
” Shutters that meet the 9 lb large missile test are clearly marked as such ”
the issue of the shutters needs to be resolved by a competent judge
I know many individuals in South FL that went to the local Home Depot and bought shutters and install them themselves, there were no labels, no NOA’s, after all you don’t need permits if you are working on your own home
the shutters will protect the home in the event of a hurricane but CITIZENS is not giving this consumers any breaks and the premiums
“The discounts are not a part of the contract” They are a part of the contract, they are the rating information on the policy
Roof Deck Attachment A, B, C
Opening Protection A, B, c or None Citizens is trying to say that everyone is None So everyone must get screwed
The use of this rating information is being used in ways that always screw the consumer in 99% of the time
After a competent Judge rules against Citizens ( Because he is probably getting screwed by Citizens on his own insurance) Then comes the class action suit
Yeah, you aren’t going to get a discount by just nailing up some shutters from home depot. They have to be the correct shutters, correctly installed. If you want the discount, those are the rules. Don’t do it incorrectly and you won’t have to worry about it. Obviously if the shutters from home depot aren’t labeled, then they aren’t the correct shutters. It’s pretty simple to me.
As far as screwing the consumer, I believe consumers have taken more from Citizens than they have given, so tell me again who exactly is being screwed here? If you don’t like Citizens, change to another insurance company. If there isn’t another insurance company that will offer coverage, MOVE OUT OF FLORIDA!
All South Florida makes a living off insurance, auto, home owners, scam artist