Florida, Inc., is a NON-PARTISAN, grassroots organization of
concerned people fighting against the skyrocketing insurance premiums in
Florida. We are fighting to have the government created "insurer of last
resort" Citizens Property Insurance, and all insurance companies in Florida investigated and
the return of affordable property insurance to Florida. That is our goal and
mission. Property insurance in the state of Florida has become so expensive in the last
three years that many homeowners are losing their homes because they can't
afford their ever increasing insurance premiums. This is not only due to the insurance
claims in years 2004 and 2005, but also because of mismanagement, fraud,
conflict of interest, government gone wrong, incompetence and a multitude of
other issues as we see it.
(HAC was originally known as "Homeowners Against Citizens" when
Citizens was the only insurance provider with exorbitant rates).
This is an archived version of the HAC FL web site. Many pages and files were unable to be recovered. Please understand if a link is broken for this reason.
HAC's Points and Goals to make meaningful reductions and
changes in Florida's homeowners insurance.
HAC's Goals that passed
in Special Session in early 2007.
Another Good Year For The Florida Property Insurance Industry!
Initial reports show the
industry had profits in Florida of at least $3.4 billion in 2007.
National Insurance Fund Could
Backers of a National Catastrophic Insurance Fund believe the time has
come for the self-insurance concept for states to supplement the private
WOW! What a
successful and productive workshop we had at New Port Richey's
Spartan Manor! Thank you to all who attended and for the work
you did on the problematic sinkhole legislation in Pasco and
Hernando Counties. And a special thank you to the geologists,
sinkhole engineer and the other industry experts for giving us
even more insight into the sinkhole problem.
It is imperative for your voices to be heard and
that you are
changes, not just told about the changes. HAC and
look forward to working together in the future and possibly
doing more workshops.
final summary of the Sinkhole Workshop.
Sinkholes: Living on the Edge
on your side Investigation...view
Ways to Save on Homeowners Insurance
HAC went to 14 different insurance
agents for quotes for 2 different homes, a single story block home and an
elevated 2-story home. With the elevated 2-story home the different quotes
were dramatic, ranging from $130,600 to $234,000...see
how you can save.
4 room home built in 1915 which is located in West Pasco has a County
assessment value of $6387. Citizens says its replacement cost is
$217,600. Could it be because tin roofs are more expensive then shingle,
or is it the Italian marble tile in the foyer?
Shop and Compare Rates
State regulators unveiled a new website June
26th that should allow homeowners to shop and
compare rates on home policies in all 67 Florida
Be aware that
the numbers are simplified averages and don't reflect different
territories within a county or many other factors that can affect the
Click on the map to see the
number of single-family homes that are going without windstorm
HAC PUBLIC MEETING
April 5, 2008
5939 Main Street, New Port Richey, FL 34652
Map of 5939 Main St, New Port Richey, FL 34652
Ph. (727) 853-1279
Time: 3:00 pm - 5:00 pm
Property/Casualty Insurance in 2007:
Overpriced Insurance, Underpaid Claims, Declining Losses and Unjustified
Robert Hunter Director of Insurance Consumer Federation of America
In 2006, with no major
hurricane activity coupled with premium increases, the industry set yet
another profit record, estimated to be $68.1 billion...read
the 28 page report (pdf).
for National Catastrophic Fund
Time Magazine reported June 4, 2007: 153 million people live within 50
miles of the coastline, this is more than half of the US population.
Home Insurance Hell
Why your rates are out of
Read the article that appears in the July AARP Bulletin
Non-Regulated Insurance Companies
Here is a list Non-Regulated Insurance Companies that are allowed to sell
Homeowners Insurance in Florida.
Caution: some of these companies do not give a
refund if you cancel.
View the list...
Regular Session Ends In Tallahassee
to everyone for their support and efforts with the "E-mail Campaign" to
the Legislators during these last crucial days of the Regular Session.
Below are the results with links to Cyber
Citizen for Justice website.
HB 1267/SB 2498 --
Relating to Citizens Property Insurance Corporation -- Ordered
HB 1223/SB 2366 --
Relating to Citizens Property Insurance Corporation/Task Force Died
HB 1307 -- PUPs,
Cherry-Picking, Delete "Use&File" etc. -- Not Considered
1884 -- Giving More Power to Consumer Advocate --
Died in Messages -- HOUSE
HB 7077 --
Hurricane Preparedness & Insurance
-- Ordered Enrolled
HAC would like to thank
all the Coalition members for all their hard work and for keeping us well informed
during the Regular Session.
THE FIRST DAY OF THE SPECIAL SESSION, TUESDAY, JANUARY 16th.
HAC along with other coalition members
joined together on the steps of the Old Capital Building.
Read a synopsis about the
rally from HAC President, Ginny Stevans.
Contact your Legislators and ask for their support for meaningful rate
Type in your zip code
below to find your State Representative.
|Enter your zip code to
find your legislators.
You can also find your legislators below:
The Florida Senate
The Florida House Addresses
Also send emails to:
Governor Charlie Crist:
Lt. Governor Jeff Kottkamp:
Jeff.Kottkamp@myflorida.com, thanking them for taking a stand for
Florida's citizens and ask them to use their influence to keep all the
consumer-friendly provisions alive!
Florida Insurance Consumer
General Bob Milligan
Tel. (850) 413-5980
Write a letter
to the editor
Links to forms or to
actual email addresses from some of Florida's major newspapers.
Visit the St.
Petersburg Times SPECIAL REPORT Website:
Visit the FloridaToday SPECIAL REPORT Website:
INSURANCE STORM 2007
Is a Member of the West Pasco Chamber of Commerce
January 9, 2007
Consumer Coalition Calls
groups joined together today to ask the Legislature to solve Florida’s
insurance crisis. The groups reacted to insurance company proposals and
made their own recommendations. Several of the group’s leaders testified
at a hearing of the Senate Insurance Committee today.
The groups are meeting with Legislators, regulators, and industry
representatives this week in Tallahassee and one of the groups plans a
massive rally at the opening of next week’s special session on insurance.
Ginny Stevans, President of HAC, Having Affordable Coverage, said, “People
have come together from all over the state because we are being forced out
of our homes by high insurance rates. It has to stop.” Together the
groups represents more than 100,000 Floridians...read
January 9th we have join forces with even more groups and now are more
than 500,000 strong).
HAC NEEDS YOUR STORY!
is compiling personal stories
of how the ever increasing insurance rates in Florida have effected
for our "Book of Tears". We want
everyone to know the tragedies that are
taking place here in the State of Florida.
Do you feel the increases have caused you undue
Are you retired and have had to go back to work?
Are you afraid you may go into or are in foreclosure?
you gone without food or medicine?
you taken out loans or gotten cash from your
credit cards just to pay your insurance?
Are you concerned you may lose your small business?
Have your rates gone up 300% to 500% or even higher in
the past three years?
PLEASE TELL US YOUR PERSONAL
Mail: H.A.C., P.O. Box 395, Port Richey, FL 34673
HAC has meet with Governor Charlie Crist and other Legislators and
has given them your
Please continue to send in your stories, they are
helping to make a difference.
Florida exodus? Statistics
show residents starting to leave for less costly locales
The nation's largest moving company
reported 16,212 inbound shipments to Florida last year and 17,019 outbound
shipments. United moved more people to Florida in each year from 1999 to
2004, but the number of inbound moves fell in 2005, spokeswoman Jennifer
Press Release from:
Consumer Federation of America
Increase Profits to Record Levels by Overpricing Policies and Shifting
Costs to Consumers and Taxpayers, 01/08/07
COMMERCIAL INSURANCE RATES CONTINUE TO FALL WHILE INSURER
PROFITS SKYROCKET TO RECORD LEVELS...view
Americans for Insurance Reform
HURRICANE INSURANCE COSTS ARE HITTING
How could an $18,000
insurance premium jump to $441,000 a year...read
IT'S HARD TO SELL A HOUSE IN THESE
In the past seven years, we have
seen our homeowners insurance go from $500 a year to our most recent bill
of $5,400 per year. Our home is in New Port Richey in an area that has
never had sinkhole problems...read
In a 20/20 Brian Ross
investigation, insiders say State Farm cheated Katrina victims.
the video clip.
The "EXODUS" has begun!!
While homeowners and
condo owners are selling their homes (if that is possible for them to do),
or losing them to foreclosure, businesses are suffering and considering
leaving Florida also, this is not good for the economy of Florida...read
BOYCOTT CALLED FOR ON AUTO
State Farm isn't "Like a good neighbor" and isn't "there"
for many homeowners any longer; Nationwide isn't "on your side", and we
are not "in good hands" with Allstate...read more.
A question was
faxed to HAC:
Dear HAC, Please
call/fax me!! I am a builder that can't get a straight answer to a simple
question: "Why if I'm building at $60-$65 sq/ft. does
Gov. run Citizens
FORCE you to insure at $120 sq/ft??"...
Places to post your opinions
comments on the St. Petersburg Times forum:
"Insurance Crisis and Solutions"
comments on the the Tampa Bay Online Blog:
"The Insurance Crisis"
You can also join
the HAC Yahoo Blog and post there:
The HAC Yahoo
"The world is a
dangerous place to live...not because of the people who are evil, but
because of the people who don't do anything about it." Albert
This site was
last updated January 3, 2008
information or to join/donate to
H.A.C. Florida, Inc.,
contact us at:
H.A.C., P.O. Box 395, Port Richey, FL 34673
Tel: 727-967-8220 ~