在全省水土保持工作座谈会上的讲话t(课件)

FIRF.I.R.M.MFair

Insurance

Rates

In

Monroe1st

Upper

Keys

Informational&Action

MeetingCoral

Shores

High

SchoolWednesdayMarch

22,

2006广州网站建设FIRWelcome

to

TavernierMThis

meeting

is

intended

to

unify

our

efforts

for

fairinsurance

coverage

for

property

owners

in

MonroeCounty.

It

is

our

goal

to

have

every

city

in

MonroeCounty

unite

as

Tavernier

has

this

evening.We

are

focusing

on

solutions.Let’s

comment

in

that

spirit.Please

make

comments

brief

and

succinct.This

meeting

will

last

~1

hr.PLEASE

SILENCE

CELL

PHONES

&

PAGERSNO

SMOKING

ON

GROUNDS.FIRTonight’s

AgendaMIntroductionsReview

FIRM

mission

statementStrategic

PlanReview

actions/progress

to

dateQuestions

and

AnswersAdjournFIRBig

Pine

IntroductionsMThank

you

for

the

invitationThank

you

to

Mary

Thomas·

Cindy

DeRocher

&

Teri

JohnstonFIRMedia

IntroductionsMHank

Tester

and

Channel

6

CrewMonica

Stanny

from

WGMX

94.3FIRFIRM:

Mission

StatementMWe

are

concerned

citizensand

homeowners

uniting

tostop

unfair

and

unaffordablproperty

insurancepremiums.FIRWhy

are

we

concerned?Windstorm

Insurance

Rates

&

PremiumsCounty Rate

per

$1,000/Coverage

Premium

on

$500,000Escambia

Sarasota$5.18-$9.76$6.39$2,590-$4,880$3,195Charlotte$7.17$3,585Palm

Beach$10.18-$12.41$5,090-$6,205Collier$11.46$5,730Miami-Dade$11.37-$19.15$5,685-$9,575Monroe$20.91$10,455Rates

went

into

effect

at

midnight

2

/

28

/

06Chart

from

the

Citizens

Property

Insurance

Corporation

Wind

Only

ManualMFIRWhy

are

we

Confused?M·

Monroe

County

is

High

Risk-

#17

countyactual

windstorm

claims.

More

risk

thanPunta

Gorda

paying

$7.17/$1,000?·

Monroe

and

Miami-Dade

Counties

build

tothe

most

stringent

building

codes

in

thestate

of

Florida.

Our

structures

are

buwithstand

winds

of

over

155

mph.

Areasof

Florida

do

not

even

require

hurricaneshutters.FIRFIRM

Strategic

PlanM·

Freeze

Citizens

Property

rates

at

the

2level

until

rate

setting

policies

can

bethoroughly

investigated.·

Reduce

current

rates

for

more

reasonaband

affordable

premiums

(anddeductibles).·

Streamline

and

improve

efficiency

ofclaims

filing,

processing,

and

settlemeFIRFIRM

Action·

Held

7

public

forums

reaching

over

2,000citizens

since

2/20·

Website

@www.fairinsuranceratesinmonroe.co-3,560

1st

time

hits

as

of

this

morning.FIRM

membership

now

700-Please

join

usMedia

response·

Newspapers:

The

Citizen,

Solares

Hill,

Key

NoteCelebrate,

Free

Press,

AP·

Radio:

92.7,

WKEY,

104.1

and

the

Morning

Mix

witMonica.·

TV:

Channel

6,

Fox,Comcast

Channel

19MFIRFIRM

Action

to

DateFIRM

letter

writing

campaign

directed

to:MGovernor

Jeb

BushState

Senator

Larcenia

BullardState

Representative

Ken

SorensenFlorida

CFO

Tom

GallagherChair

of

the

Senate

Insurance

Committee-

Rudy

GarcChair

of

the

House

Insurance

Committee-

Dennis

Ros

US

Senators

Mel

Martinez,

Ileana

Ros-Lehtinen

andNelsonState

Insurance

Consumer

Advocate-Steve

BurgessState

Insurance

Commission-Kevin

McCartyFIRFIRM

Progress

to

DateMMonroe

county

government

has

steppedforward

in

support

of

FIRM

and

itsefforts.County

Commissioner

David

Rice

inconjunction

with

FIRM

authored

thefollowing

resolution

which

wasunanimously

approved

by

the

BOCC

on3/15

:FIRRice

ResolutionMBring

Citizens

Property

Insurance

ratback

to

2005

level

while

the

rate

settipolicies

and

procedures

of

Citizens

arevaluated.Hire

an

independent

Actuary

to

reviewCitizens

rate

request

for

Monroe

CountFIRRice

ResolutionMHire

a

consultant

to

monitor

all

legispertaining

to

windstorm

insurance

issuUrge

the

legislation

to

utilize

$1.5

bsales

tax

surplus

generated

by

hurricarepair

related

purchases

to

offset

Citdeficit

instead

of

raising

our

rates.Propose

legislative

provisions

to

proaffordable

rental

housing

(non-homesteaded)

properties.FIRFIRM

ProgressM·

3/15

Public

Forum

in

Key

WestSteve

Burgess-State

Insurance

ConsumerAdvocate“Questionable

provisions

of

Citizensstatewide

filing

requesting

an

additionrate

increase.”FIRWhat’s

QuestionableMCost

of

Doing

Business

ChargeCharge

to

Accelerate

a

Citizens

Reserv Account.·

Impact

to

us-

Removing

these

2

chargwould

reduce

our

current

rates

4%

belowhat

we

paid

in

2005·

Burgess

has

filed

his

findings

with

tstate.-Kevin

McCartyFIRHelp

in

WashingtonM·

Law

Firm

of

Hogan

&

Hartson

L.L.P.

inWashington,

D.C.

has

agreed

to

provideFIRM

with

our

own

lobbyist

(pro

bono)

trepresent

the

interests

of

all

MonroeCounty

citizens

in

our

battle

overinequitable

windstorm

insurance

ratesFIRHelp

in

WashingtonM·

Our

Congresswomen

Ileana

Ros-Lehtinenon

March

20th

authored

letters

toGovernor

Bush,

Florida

House

ofRepresentative

Speaker

Allan

Bense,Chairman

of

the

House

of

RepresentativFinancial

Services

committee

MichaelOxley

and

President

of

the

Florida

SenaTom

Lee.FIRLocal

FIRM

SupportMKey

West

City

Commissions

led

by

MayorMorgan

McPherson

drafting

a

resolutionsimilar

to

the

counties

to

support

theefforts

of

FIRM.Robert

Cintron,

Jr.

from

the

Key

Westfirm

of

Morgan

&

Hendrick

is

providingpro

bono

counsel

on

our

windstormpremium

battle

with

Tallahassee.FIRHow

Can

You

Be

Involved?M·

Get

Educated-

Get

your

Citizens

ProperInsurance

Windstorm

policy

out

and

studit.·

Get

Angry-

Chart

the

rate

of

premiumincreases

since

2003

and

review

the

hikein

your

deductible

levels.IRTallahassee

ProgressMF

·

On

Thursday,

March

30th

StateRepresentative

Ken

Sorensen

invitedFIRM

to

take

part

in

his

“windstorminsurance

in

the

Florida

Keys”

workshin

the

House

of

Representatives

OfficeBuilding

in

Tallahassee.

Invitees

areFIRWorkshop

AttendeesMAll

Monroe

County

OfficialsInsurance

Consumer

Advocate

SteveBurgessChairman

of

the

House

InsuranceCommittee-Dennis

Ross·

Staff

Director

of

the

Insurance

CommitTom

Cooper·

Citizens

insurance

actuary

andrepresentatives

from

CitizensFIRWorkshop

AttendeesMLinda

Rae

deGinder,

President

of

theJohnson’s

Insurance

AgencyRepresentative

Ken

SorensenFIRM

members

Cindy

DeRocher,

HeatherCarruthers

and

Thomas

Mack.Monroe

County

Actuary-Allan

SchwartzAll

members

of

the

pressFIRGet

Angry??M·

Florida

legislature

convened

on

TuesdMarch

7th

to

vote

on

a

windstorminsurance

rate

hike

requested

by

CitizProperty

Insurance

Company

of

anadditional44%FIRGet

Involved·

Get

Active:

Continue

to

write,

call,

tabout

the

issues!Contact

your

local

media

resources

to

lthem

know

this

is

a

major

communityissue.

This

must

stay

at

the

fore-froneveryone’s

mind.

IT

IS

NOT

JUST

AHOME-OWNER