Most Citizens Insurance Policy holders in Florida have been sent a letter stating that a Private carrier will be assuming the policy unless the homeowner “opts out” to remain with Citizens.  The notification letters previously included what amounts to a threat in my opinion.  Either accept this new insurance carrier or if a storm hits Florida you will be sorry as you could be hit with an assessment up to 45% of your current premium to bail out Citizens.  With homeowner Insurance rates at some of the highest in the nation, this is no idle threat!  most homeowners are already stretching their budgets to afford the never-ending rate increases.  An assessment could “break the bank” for many homeowners who simply could not afford the assessment.


It appears that Citizens is taking a kinder, gentler approach and has “reworded” its letter notifying policyholders of the policy assumptions without the threatening language.  We shall see!

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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.