October 6, 2015
TO:
Citizens Property Insurance
Corporation
2312 Killearn Center Blvd
Tallahassee, Florida 32309-3524
United Services Automobile
Association
9800 Fredericksburg Road
San Antonio, Texas 78288
Universal Property & Casualty
Insurance Company
1110 West Commercial Blvd
Fort Lauderdale, Florida 33309
United Property & Casualty
Insurance Company
360 Central Avenue, Suite 900
St. Petersburg, Florida 33701
State Farm Florida Insurance
Company
7401 Cypress Gardens Blvd
Winter Haven, Florida 33888
St. Johns Insurance Company, Inc.
6675 Westwood Blvd, Suite 360
Orlando, Florida 32821
Homeowners Choice Property &
Casualty Insurance Company, Inc.
5300 West Cypress Street, Suite 100
Tampa, Florida 33607
Florida Peninsula Insurance
Company
903 NW 65th Street, Suite 200
Boca Raton, Florida 33487
RE:
Federated National Insurance
Company
14050 NW 14th Street, Suite 180
Sunrise, Florida 33323
People’s Trust Insurance Company
18 People’s Trust Way
Deerfield Beach, Florida 334416720
Security First Insurance Company
d/b/a Security First Florida
140 South Atlantic Avenue
Suite 200
Ormond Beach, Florida 32176
Tower Hill Prime Insurance
Company
7201 NW 11th Place
Gainesville, Florida 32605
Federal Insurance Company
15 Mountain View Road
Warren, New Jersey 07059
USAA Casualty Insurance
Company
9800 Fredericksburg Road
San Antonio, Texas 78288
American Integrity Insurance
Company of Florida
5426 Bay Center Drive, Suite 650
Tampa, Florida 33609
Request for Information, Florida Claims Data
As Florida’s Insurance Consumer Advocate, I am committed to finding solutions to insurance issues
impacting Florida’s families and seek to thoughtfully pursue those issues on behalf of the consumers of
Florida. Accordingly, I am requesting your assistance in an effort to conduct a targeted analysis of Florida
claims data related to the topic of assignment of benefits and gain a clear understanding of the impact this
issue presents to the Florida consumer. Although assignment of benefits is used in a variety of insurance
related transactions, the purpose of this request is to aid my office in examining non-weather related water
damage claims involving an assignment of benefits to a third party contractor for services. Based on a
restricted timeline, I am requesting that you provide this information to my office via email at
ICA@myfloridacfo.com no later than 5:00 PM ET, Friday, November 6, 2015.
This request for information is a call to each highest-writing property and casualty insurance company in
Florida to present an assessment of the company’s aggregate claims experience for the years 2010 to 2015,
FLORIDA DEPARTMENT OF FINANCIAL SERVICES
Sha`Ron James  Insurance Consumer Advocate
Office of the Insurance Consumer Advocate
200 East Gaines Street  Tallahassee, Florida 32399  Tel. 850-413-2868  Fax 850-487-0453
Email  ShaRon.James@myfloridacfo.com
AFFIRMATIVE ACTION  EQUAL OPPORTUNITY EMPLOYER
October 6, 2015
Page 2 of 2
organized in the attached data template for review. For convenience, the template and instructions will be
made available for download on the Insurance Consumer Advocate’s website at
http://www.myfloridacfo.com/division/ICA/. The survey questions in the template relate specifically to
homeowner claims filed in Florida on properties located in Florida. For clarification purposes, this request
does not require that each company present individual claims data; rather, the response should represent the
company’s aggregate claims data over the time period indicated.
In addition to providing a response via the data template, I am requesting that each individual insurer
provide to my office a representative copy of the HO3 policy issued to consumers for coverage from the
years 2010 to 2015.
I have included the attached Certification Statement to be signed by a company officer stating that the
information contained in the data template is accurate and truthful.
Please provide an executed copy of the Certification Statement with your submission. If additional
information not specifically requested in this letter is deemed important by you to the overall submission,
please include same in your executed response materials.
As industry stakeholders directly impacted by this issue, I strongly encourage your support and cooperation
in this effort. Simultaneous with the issuance of this request, I pledge to continue to meet with members of
the industry, consumer groups and other associations impacted by the assignment of benefits issue in an
effort to work collaboratively to develop a policy position that will benefit Florida consumers.
If you have any questions regarding the format or scope of the request, please do not hesitate to contact my
office via email at ICA@myfloridacfo.com.
Sincerely,
C. Sha’Ron James
Insurance Consumer Advocate
cc:
The Honorable Jeff Atwater, Chief Financial Officer
Belinda Miller, Chief of Staff, Office of Insurance Regulation
David Altmaier, Deputy Insurance Commissioner, Office of Insurance Regulation
Sandra Starnes, Director of P&C Product Review, Office of Insurance Regulation