Citizens is required by its Charter Statute (law) to depopulate (shed its policies) as soon as possible since it was never intended or created to become the massive Insurance arm of the State.  Many people receive notices stating that their policy will be assumed by a private Insurance Company unless the Insured “Opts Out”.  Citizens letter to their current Insureds includes a bold statement or “warning”  that if the Insured opts out and chooses to remain a Citizens Insured, that the policyholder could be responsible for an assessment equal to a large percentage of their premium if Citizens is unable to pay for all the losses caused by a disaster. Does this sound like a contradiction to anyone else????

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John McMenamin, P.A.
John McMenamin is a licensed Tampa attorney and has been a member of the Florida State Bar Association since 2002. Prior to that time, he worked with his past firm in many capacities when not in school, since 1991. John grew up In the small town of Geneva, NY, in the heart of what is now the Finger Lakes wine Country until later moving between Florida And NJ. He graduated from Fairleigh Dickinson University in Teaneck/Hackensack, NJ in 1998 then returned to Florida to start law school at Nova Southeastern in Davie, Florida. After graduation in 2002, he was employed By Marshall & LeValley in New Port Richey, representing clients throughout Florida, which later became LeValley & Napolitano and finally LeValley, Napolitano & McMenamin, P.L. In 2010. As of 2013, he joined Marshall, Thomas & Burnett for a brief time until Summer 2014. In October 2014, John saw the opportunity to provide a broader scope of legal representation in a more personalized small firm. He has lived in Tarpon Springs with his wife and two children since 2005.