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,F.I.R.M.Fair Insurance Rates In Monroe 1st Upper Keys Informational &Action MeetingCoral Shores High SchoolWednesdayMarch 22, 2006,广州网站建设 ,,Welcome to Tavernier,This meeting is intended to unify our efforts for fair insurance coverage for property owners in Monroe County. It is our goal to have every city in Monroe County unite as Tavernier has this evening. We are focusing on solutions.Lets comment in that spirit.Please make comments brief and succinct.This meeting will last 1 hr.PLEASE SILENCE CELL PHONES & PAGERSNO SMOKING ON GROUNDS.,,Tonights Agenda,Introductions Review FIRM mission statementStrategic PlanReview actions/progress to dateQuestions and AnswersAdjourn,,Big Pine Introductions,Thank you for the invitationThank you to Mary ThomasCindy DeRocher & Teri Johnston,,Media Introductions,Hank Tester and Channel 6 CrewMonica Stanny from WGMX 94.3,,FIRM: Mission Statement,We are concerned citizens and homeowners uniting to stop unfair and unaffordable property insurance premiums.,,Why are we concerned?,Windstorm Insurance Rates & PremiumsCounty Rate per $1,000/Coverage Premium on $500,000Escambia $5.18-$9.76$2,590-$4,880Sarasota$6.39$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 Manual,,Why are we Confused?,Monroe County is High Risk- #17 county actual windstorm claims. More risk than Punta Gorda paying $7.17/$1,000?Monroe and Miami-Dade Counties build to the most stringent building codes in the state of Florida. Our structures are built to withstand winds of over 155 mph. Areas of Florida do not even require hurricane shutters.,,FIRM Strategic Plan,Freeze Citizens Property rates at the 2005 level until rate setting policies can be thoroughly investigated.Reduce current rates for more reasonable and affordable premiums (and deductibles).Streamline and improve efficiency of claims filing, processing, and settlement,,FIRM Action,Held 7 public forums reaching over 2,000 citizens since 2/20Website -3,560 1st time hits as of this morning.FIRM membership now 700-Please join usMedia responseNewspapers: The Citizen, Solares Hill, Key Noter, Celebrate, Free Press, APRadio: 92.7, WKEY, 104.1 and the Morning Mix with Monica.TV: Channel 6, Fox,Comcast Channel 19,,FIRM Action to Date,FIRM letter writing campaign directed to:Governor Jeb BushState Senator Larcenia BullardState Representative Ken SorensenFlorida CFO Tom GallagherChair of the Senate Insurance Committee- Rudy GarciaChair of the House Insurance Committee- Dennis RossUS Senators Mel Martinez, Ileana Ros-Lehtinen and Bill NelsonState Insurance Consumer Advocate-Steve BurgessState Insurance Commission-Kevin McCarty,,FIRM Progress to Date,Monroe county government has stepped forward in support of FIRM and its efforts. County Commissioner David Rice in conjunction with FIRM authored the following resolution which was unanimously approved by the BOCC on 3/15 :,,Rice Resolution,Bring Citizens Property Insurance rates back to 2005 level while the rate setting policies and procedures of Citizens are evaluated.Hire an independent Actuary to review Citizens rate request for Monroe County.,,Rice Resolution,Hire a consultant to monitor all legislation pertaining to windstorm insurance issuesUrge the legislation to utilize $1.5 billion in sales tax surplus generated by hurricane repair related purchases to offset Citizens deficit instead of raising our rates.Propose legislative provisions to protect affordable rental housing (non-homesteaded) properties.,,FIRM Progress,3/15 Public Forum in Key WestSteve Burgess-State Insurance Consumer Advocate“Questionable provisions of Citizens statewide filing requesting an additional 44% rate increase.”,,Whats Questionable,Cost of Doing Business ChargeCharge to Accelerate a Citizens Reserve Account.Impact to us- Removing these 2 charges would reduce our current rates 4% below what we paid in 2005Burgess has filed his findings with the state.-Kevin McCarty,,Help in Washington,Law Firm of Hogan & Hartson L.L.P. in Washington, D.C. has agreed to provide FIRM with our own lobbyist (pro bono) to represent the interests of all Monroe County citizens in our battle over inequitable windstorm insurance rates.,,Help in Washington,Our Congresswomen Ileana Ros-Lehtinen on March 20th authored letters to Governor Bush, Florida House of Representative Speaker Allan Bense, Chairman of the House of Representative Financial Services committee Michael Oxley and President of the Florida Senate Tom Lee.,,Local FIRM Support,Key West City Commissions led by Mayor Morgan McPherson drafting a resolution similar to the counties to support the efforts of FIRM.Robert Cintron, Jr. from the Key West law firm of Morgan & Hendrick is providing us pro bono counsel on our windstorm premium battle with Tallahassee.,,How Can You Be Involved?,Get Educated- Get your Citizens Property Insurance Windstorm policy out and study it.Get Angry- Chart the rate of premium increases since 2003 and review the hikes in your deductible levels.,,Tallahassee Progress,On Thursday, March 30th State Representative Ken Sorensen invited FIRM to take part in his “windstorm insurance in the Florida Keys” workshop in the House of Representatives Office Building in Tallahassee. Invitees are”,,Workshop Attendees,All Monroe County OfficialsInsurance Consumer Advocate Steve BurgessChairman of the House Insurance Committee-Dennis RossStaff Director of the Insurance Committee-Tom CooperCitizens insurance actuary and representatives from Citizens,,Workshop Attendees,Linda Rae deGinder, President of the Johnsons Insurance AgencyRepresentative Ken SorensenFIRM members Cindy DeRocher, Heather Carruthers and Thomas Mack.Monroe County Actuary-Allan SchwartzAll members of the press,,Get Angry?,Florida legislature convened on Tuesday, March 7th to vote on a windstorm insurance rate hike requested by Citizens Property Insurance Company of an additional44%,,Get Involved,Get Active: Continue to write, call, talk about the issues!Contact your local media resources to let them know this is a major community issue. This must stay at the fore-front of everyones mind. IT IS NOT JUST A HOME-OWNERS ISSUE.,fairinsuran