Florida Homeowners Insurance Crisis

Community Groups and the Florida Insurance Crisis

FIRM (Fair Insurance Rates in Monroe)

Fair Insurance Rates in Monroe or FIRM seems to be a well funded organization in the Florida Keys. They say they are "Concerned citizens and homeowners uniting to stop unfair and unaffordable property insurance premiums."

FLORIDA PIRG (PUBLIC INTEREST RESEARCH GROUP)

Their web site says that "Florida PIRG is an advocate for the public interest. When consumers are cheated or the voices of ordinary citizens are drowned out by special interest lobbyists, Florida PIRG speaks up and takes action."

ACORN (Association of Community Organizations for Reform Now, Inc.)

ACORN is a large national organization, our insurance crisis is a blip on their radar, but they have offered support.

COFCA (Coalition of Florida Condominium Associations)

They have no web site that I could find. However, Jim Hart is Vice President.

CCFJ (CYBER CITIZENS FOR JUSTICE, INC.)

The CCFJ web site declares: "we're a Cyberspace organization intent upon making "We The People" instrumental in beneficially influencing government and improving the political, economic and social aspects affecting the lives of Florida citizens."

Floridians In Action

Their web site states : "Floridians in Action is a community interest group conceived to maintain oversight of issues that have a dramatic impact in the lives of Floridians.  Our first campaign is called "Insured Floridians In Action", which will deal with property insurance issues and the lowering of these rates.  Our mission is to voice the opinions, ideas and discontent of Floridians, at the lack of our state elected and appointed officials in Tallahassee to face big insurance during the past few years."

POA (Property Owners Association)

The Property Owners Association says that it represents all property owners of The Villages in Lady Lake, Florida; Lake County; Sumter County; and Marion County.

You can see the letter that these groups recommended be sent to the legislature here.

Citizens Against Citizens

There is also a petition set up under the name of Citizens Against Citizens.

Other Insurance Interested Groups

The Florida Association of Insurance Agents has its Property Insurance Reform Coalition.

The Florida Hurricane Crisis Coalition (FHCC) is part of Associated Industries of Florida, The Voice of Florida Business.

Who is supposed to represent the insurance policyholders of Florida:

The Florida Office of Insurance Regulation or OIR. You can file a complaint with them. You can also check out adjustments to premiums based on recent insurer filings. The OIR is connected to but not overseen by the Department of Financial Services.

Florida Insurance Consumer Service line at 1-800-342-2762

The Florida Insurance Lobby

Who represents the insurance industry of Florida:

Florida Insurance Council. Sam Miller is one spokesman for this industry group.

Property Casualty Insurers Association of Florida. William Stander is a lobbyist for the PCIAF.

There is also a national group called the Insurance Information Institute.