Uncategorized December 1, 2006

WIND INSURERS FEEL BLAST

By Ann Henson

Free Press Staff – The Free Press Newspaper

The Southernmost City did not show any Southern hospitality to wind insurance officials Monday night during a state-mandated public hearing on customer service.

About 50 Florida Keys residents came prepared to vent their frustration not only about Citizens Property Insurance Corp.’s customer service, but its rates.

As Deputy Executive Director Susanne Murphy tried to read through the corporation’s vision, mission, values and strategies, the audience cut her off.

“I want you as consumers to see what we should become,” she tried to continue. But the audience persisted, saying they wanted to speak. In a voice filled with sarcasm, she shot back: “I appreciate your hospitality and kindness.”

U.S. Rep. Ileana Ros-Lehtinen, R-Miami, was the first to blast the quasi-state insurer of last resort as arrogant in its dealings with Monroe County policyholders.

Florida Insurance Commissioner Kevin McCarty agreed, saying that rather than complying with a legal mandate, Citizens hired attorneys using customers’ premiums to fight the taxpayer-supported state insurance regulator.

That theme continued when Key Colony Beach Mayor Clyde Burnett said the insurer’s staff appears to be very intelligent. “But they seem to feel protected by existing statutes [under which the corporation operates] and come off as aloof,” he said. “There’s a way to put your arm around somebody and say, ‘We’re here to help you,’ rather than being cold.”

Murphy apologized, trying to turn the meeting back to the intended subject.

“We are dictated by statute but that is not an excuse for poor customer service,” Murphy said. “If we come across as arrogant, I apologize for all of us. I could work in many other places, but I chose to work here.”

Heather Carruthers, one of the founding members of FIRM, the group that fought to get spiraling rates reduced in Monroe County, suggested that Citizens work for its policyholders by lobbying the state Legislature to undo some of the unintended consequences of an insurance overhaul bill passed this year.

“Be an advocate for us,” she said, adding that “when customers are paying an exorbitant rate, rates are a customer service issue.”

Murphy previously had shunned comments about rates, saying the meeting was to focus on customer service.

There was no ignoring the emotional testimony of some residents. One man, retired and on a fixed income, said he had to choose between health insurance and wind insurance — and would be going without wind insurance next year. And today, Steve Russ said, his home is being demolished because his insurance settlement was $58,000 short of the repair costs from Hurricane Wilma.

“In my mind, you pay for a product and customer service says you deliver a service,” he said, fighting back tears. “But you nickel and dime customers and run them through the mill … You have an obligation to deliver the service I paid for, but the house is gone tomorrow — too late for this sucker.”

Tim Volpe, an attorney hired to help FIRM, stressed how frustrated policyholders have become. “You can hear the anguish in people’s voices,” he said.

He and others asked Citizens to provide billings that itemize customers’ premiums, show the base rate, and explain whether they have credits that reduce their premiums.

“People want you to move as soon as possible and not simply rely on deadlines” to complete the requirements spelled out in the 2006 statute, Volpe said. Those item include an audit of Monroe County policies to assure policyholders are getting what they pay for.

“That’s what people are talking about,” he said. “From the perspective of people in the audience, they are upset about what they perceive to be arrogance. Get to it.”

Those who could not attend the meeting but would like to submit comments can do so by logging on to www.citizensforabettercitizen.com, or e-mail specific problems to joe.bouthillier@citizensfla.com.

ahenson@keysnews.com

Uncategorized November 21, 2006

CHANGES IN THE MARKET


More listings. Fewer sales. Overall, this is the trend of the real estate market in the upper Florida Keys compared to where we were this time last year.

The chart in this article compares the first three quarters of 2005 to the first three quarters of 2006. We have broken it down into single family homes, condos and mobile homes. Clicking on the image above will provide you with a larger version.

If you would like a more detailed report of how your property compares, please contact any of our associates at either of our two office locations.

Uncategorized November 21, 2006

CHANGES IN THE MARKET


More listings. Fewer sales. Overall, this is the trend of the real estate market in the upper Florida Keys compared to where we were this time last year.

The chart in this article compares the first three quarters of 2005 to the first three quarters of 2006. We have broken it down into single family homes, condos and mobile homes. Clicking on the image above will provide you with a larger version.

If you would like a more detailed report of how your property compares, please contact any of our associates at either of our two office locations.

femafema listfish and wildlifeflood insurancekey deer November 21, 2006

STATUS OF KEY DEER CASE

By Jim Lupino, Esq. and Russell Yagel, Esq.

In a sentence, the case is status quo. Not any different than 10 months ago and not any better. As you will recall, Federal Court Judge Michael Moore entered orders in 2005 which resulted in approximately 40,000 properties in Monroe County being restricted from National Flood Insurance coverage through FEMA. This resulted in Monroe County, as well as many companies and individuals, seeking to intervene in the case to have some say in how their properties were affected. The judge denied all such requests and appeals were taken. To date, no order has been entered by the appellate court addressing the various potential intervenors’ appeals. Additional several entities joined together to file a petition for a Writ of Mandamus seeking the 11th Circuit Federal Court to throw out the flawed FEMA list altogether, but the court denied this petition.

The U.S. Fish and Wildlife Service (FWS) has recently filed an amended biological opinion with Reasonable Prudent Alternatives. As noted below, the new list of parcels was to be filed by October 6, 2006. In summary, the new RPA’s put “teeth” into the process of reviewing building permits for properties contained on the new habitat list by requiring local communities to establish and enforce the processes set forth in the RPA’s or run the risk of losing eligibility for participation in the National Flood Insurance Program. If communities participating in the National Flood Insurance Program fail to comply with the procedures, FEMA will place them on probation and may ultimately deny them further participation in the program.

The RPA’s provide, in part, FEMA will require participating communities to establish written procedures for referring floodplain development/building permit applicants to the Service for review and basically be responsible for ensuring the permit applicant complies with any requirements the services impose on the applicant. Further, FEMA will meet with participating communities every six months and evaluate the administrative records of the participating communities to ensure compliance with the required procedures. Again, failure to comply with the RPA’s will constitute a substantive program deficiency which could result in the community being placed on probation, being suspended from the program or indefinitely being denied future participation in the program.

These guidelines are currently under review by the Plaintiffs in the 15-year old lawsuit to determine if they are acceptable to them for future use. If they are and the judge agrees, there may be a resolution of many issues affecting the properties. If the guidelines are unacceptable, status quo will remain and the only current way to get an individual property off of the list is by inspection. If denied through the inspection process, an individual property owner may have only two choices: to wait to see if further guidelines or ultimate court decisions are favorable or, take an individual lawsuit against the appropriate parties, which may or may not be accepted by the Court.

As noted above, FWS had only until October 6, 2006, to file an amended suitable habitat list of properties. FWS and FEMA have until November 10, 2006, to file their respective administrative records; i.e., positions pertaining to the new biological opinion and amended suitable habitat list. The Environmentalists (Plaintiffs) and the Government (Defendants) will file a proposed briefing schedule or a joint motion for a consent final judgment on or before November 20, 2006.


femafema listfish and wildlifeflood insurancekey deer November 21, 2006

STATUS OF KEY DEER CASE

By Jim Lupino, Esq. and Russell Yagel, Esq.

In a sentence, the case is status quo. Not any different than 10 months ago and not any better. As you will recall, Federal Court Judge Michael Moore entered orders in 2005 which resulted in approximately 40,000 properties in Monroe County being restricted from National Flood Insurance coverage through FEMA. This resulted in Monroe County, as well as many companies and individuals, seeking to intervene in the case to have some say in how their properties were affected. The judge denied all such requests and appeals were taken. To date, no order has been entered by the appellate court addressing the various potential intervenors’ appeals. Additional several entities joined together to file a petition for a Writ of Mandamus seeking the 11th Circuit Federal Court to throw out the flawed FEMA list altogether, but the court denied this petition.

The U.S. Fish and Wildlife Service (FWS) has recently filed an amended biological opinion with Reasonable Prudent Alternatives. As noted below, the new list of parcels was to be filed by October 6, 2006. In summary, the new RPA’s put “teeth” into the process of reviewing building permits for properties contained on the new habitat list by requiring local communities to establish and enforce the processes set forth in the RPA’s or run the risk of losing eligibility for participation in the National Flood Insurance Program. If communities participating in the National Flood Insurance Program fail to comply with the procedures, FEMA will place them on probation and may ultimately deny them further participation in the program.

The RPA’s provide, in part, FEMA will require participating communities to establish written procedures for referring floodplain development/building permit applicants to the Service for review and basically be responsible for ensuring the permit applicant complies with any requirements the services impose on the applicant. Further, FEMA will meet with participating communities every six months and evaluate the administrative records of the participating communities to ensure compliance with the required procedures. Again, failure to comply with the RPA’s will constitute a substantive program deficiency which could result in the community being placed on probation, being suspended from the program or indefinitely being denied future participation in the program.

These guidelines are currently under review by the Plaintiffs in the 15-year old lawsuit to determine if they are acceptable to them for future use. If they are and the judge agrees, there may be a resolution of many issues affecting the properties. If the guidelines are unacceptable, status quo will remain and the only current way to get an individual property off of the list is by inspection. If denied through the inspection process, an individual property owner may have only two choices: to wait to see if further guidelines or ultimate court decisions are favorable or, take an individual lawsuit against the appropriate parties, which may or may not be accepted by the Court.

As noted above, FWS had only until October 6, 2006, to file an amended suitable habitat list of properties. FWS and FEMA have until November 10, 2006, to file their respective administrative records; i.e., positions pertaining to the new biological opinion and amended suitable habitat list. The Environmentalists (Plaintiffs) and the Government (Defendants) will file a proposed briefing schedule or a joint motion for a consent final judgment on or before November 20, 2006.