FIRM (Fair Insurance Rates in Monroe

Real Estate Agent with Coldwell Banker Schmitt Real Estate Company

What is FIRM?

FIRM (Fair Insurance Rates in Monroe) is a grassroots organization formed in February, 2006 comprised entirely of volunteer homeowners and residents who are united to fight against excessive, discriminatory and unaffordable residential, condominium and commercial property insurance rates.

In the first six months after forming, the members of FIRM were able to help repeal a proposed 25% residential windstorm premium increase for Monroe County and went on to further reduce residential rates from Citizens Property Insurance Corporation for Monroe County by over 30%.  These reduced rates will remain in effect for Monroe County through December of 2008.

FIRM was the first organized group of community activists to bring these windstorm inequities to the attention of the Florida Office of Insurance Regulation; to Florida’s Legislature, Cabinet and Governor; and to the Florida delegation to the U.S. House of Representatives. We have also been instrumental in educating homeowners regarding the insurance mitigation and crediting process.

Our grassroots organization has grown from the original 32 members to over 5,100 active members in less than 15 months and continues to welcome new members.  If you are concerned about your residential, condominium or commercial property insurance rates, please join us in our continuing fight to bring fair and equitable rates to the citizens of Florida.  FIRM membership is free.  We need your support.  As our membership numbers continue to grow, so does our influence on future legislative actions that continue to impact our property insurance coverage, deductible levels and rates.  Help us to help you.  Join FIRM today.

FIRM will continue to fight against excessive, discriminatory property insurance rates by staying active at the legislative level, monitoring initiatives and events that have the potential to impact our rates.  We will also continue to support the development of a Federal National Catastrophe Program and/or a Coastal Catastrophe Plan.


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Kip Hoover

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