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	Record Group Number:	000106
	Series/Collection Number:	.S 1753
	Creator:	Florida. Study Commission on Property Insurance and Reinsurance.
	Title, Dates:	Research and report files, 1993-1994.
	Amount:	2.20 cubic ft. 7 audio tapes
	Medium Included:	audiotapes
	Organization/Arrangement:	Arranged by topic or record type; meeting files are chronological by date of meeting.
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	Biographical/Historical:	The Study Commission on Property Insurance and Reinsurance was established during a May 1993 special session of the State Legislature (Chapter 93-401, Laws of Florida) called by Governor Lawton Chiles in response to the insurance crisis resulting from the severe damage to South Florida areas hit by Hurricane Andrew in August 1992. Governor Chiles appointed the 13-member Commission on June 17, 1993, with staffing provided by the Governor's Office and the Florida Department of Insurance. The Commission was charged with determining the steps necessary "to ensure that property insurance coverage is available and that insurers do not become fair-weather friends to Florida policy holders." Following Hurricane Andrew, many insurers planned to cancel homeowner's insurance coverage in the affected areas and to drastically increase premiums for other Florida homeowners. The legislation establishing the Commission placed a temporary moratorium on policy cancellations and non-renewals to allow time to study the issues and develop solutions. In particular, the Commission was directed to study "the commercial viability and competitiveness" of personal property insurance in Florida and "the adequacy of statutory regulation of the reinsurance industry" as well as "whether alternative means are needed for activating or providing coverage to commercial risks in the Florida Property and Casualty Joint Underwriting Association or some other residual market mechanism." The Commission was to define the problem, study policy options, and provide recommendations to the Governor and Legislature by September 15, 1993. The Commission's final report included recommendations for establishing a state catastrophic coverage fund and a federal natural disaster program, as well as recommendations relating to guaranteed policy renewals, insurance rates, claims dispute mediation, and changes in the organization and operation of the Florida Property and Casualty Joint Underwriting Association (FPCJUA). A minority report objected to the recommendations for increased regulation of the insurance industry as counterproductive. A second special legislative session was called in October 1993 to consider the Commission's recommendations and alternative solutions.
	Summary:	This series documents the efforts of the Study Commission on Property Insurance and Reinsurance to research and develop recommendations regarding property insurance regulation in Florida. The series includes organizational records; public meeting minutes, agenda, background materials, presentations, and notes; correspondence between the Governor and citizens, and between the Department of Insurance and citizens, regarding the insurance crisis; articles, newsletters, and newspapers clippings; recommendations and legislative bill proposals regarding establishment of a catastrophe fund; annotated drafts of the Commission's final report; and copies of the final Commission report and the minority report. The series also includes audio cassette tape recordings of the Commission's first public meeting on July 15, 1993.
	Finding Aids:	Folder listing available.
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	Subject Access Fields:	Florida. Dept. of Insurance. Hurricane Andrew, 1992 Hurricanes Florida Insurance companies Florida Insurance law Florida Insurance Florida Audio cassettes. aat Audio tapes. aat Clippings. aat Machine-readable artifacts. aat Reports. aat Sound recordings. aat
	Added Entries	Florida. Dept. of Insurance.