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Actually, I don't plan on working for Citizens, been there done that, if at all possible, I plan to stay away from FL. what hits FL will usually hit another state depending on the direction the storm comes, so I would wait until it hits another state and work there. I will work FL for flood though.... no state issues there.

Really....wow, I can't believe no one has an opinion about this. Is there no one wanting to work Florida Hurricanes?

WITH ALL THE HOOPLA ABOUT CITIZENS GOING BROKE IF ANOTHER HURRICANE HITS FLORIDA WHY WOULD YOU CONSIDER WORKING FOR THEM??

The State of Florida is hostile to adjusters. Wait till you try it.

LOL, by most standards Chuck and Jim are correct. From an industry perspective, they are absolutely right.

However, if you look at the proverbial glass in a different view, then here are the reasons why it can be a terrific place to work. The state of FL is very hostile to insurance carriers because it is loaded with claim-prone events that ensure a consistent drove of green adjusters who keep customers familiar with their policy. If the customers aren't familiar with the nuances, then this state just happens to be loaded with public adjusters who will ensure that no claim will ever be closed until its closed.

The good thing about this situation for independents is that you work claims (both your own fresh claims as well as the re-opens initially done by a newbie) until 'damage-only' issues get addressed in mediation (FL is on the cutting edge of this process, btw) or when the insurance carrier folds.

Just when you think it's over, FIGA starts re-opening those old claims because the original carrier went insolvent. In this light (as an IA), you have to ask yourself if this extended billing arrangement is such a bad thing after all.

As for the consumer in FL, it's just like a terrible hangover after an incredible party. Sure you got you're money and had some to spare after paying for your PA, but the bad part is that you now get stuck with this god-awful premium with some relatively unknown start-up carrier.

I just finished working ice-dam claims in the NE for upper end homes insured in the range of 500K to 750K. Their premiums were never more than $1,000 bucks a year. In FL, the typical premium for a 2,200 SF home is easily $3 Grand or more.