Volume 2 Number 44
October 31, 2005

Consumer Services HelpLine Number 800-342-2762




The Standard Personal Lines Advisory Committee held its second meeting Friday, October 28th, at the Capitol in Tallahassee.  The committee met in Room 110 of the Senate Office Building from 10 a.m. to 5 p.m.   

During this meeting, Tom Terfinko, assistant director of the Division of Consumer Services in the Florida Department of Financial Services, addressed the committee and provided examples of coverage issues that consumers found to be confusing during the 2004 hurricane season.  

Guy Marvin, president of the Florida Insurance Council,  addressed the committee regarding the industries' concerns with the prospect of a mandatory standardized homeowners contract and offered other suggestions on how the committee may reach its mission.  

Richard Koon, senior management analyst of the Office of Insurance Regulation, Property and Casualty Product Review, provided an in-depth overview of each section of the homeowners contract along with the applicable endorsements.   

The committee has an interesting and involved task ahead of it. 

State lawmakers called for the committee in response to Chief Financial Officer Tom Gallagher’s concern that many victims of the 2004 hurricanes were not adequately protected because they either did not understand the complex language in their insurance policies or had not updated their policy limits to keep pace with increasing property values.  The committee is tasked with developing proposals to simplify howmeowners policies and forwarding the recommendations to legislative leaders in January.

Members of Standard Personal Lines Advisory Committee 


•Rick Mahler, Deputy Chief of Staff, Department of Financial Services


•Joel P. Curran – Towerhill Insurance Group, chief underwriting officer and senior manager.
•Jim Graganella – Capital Preferred & Southern Fidelity Insurance Companies. President / CEO.
•Hector Fortun, Fortun Insurance.  
•Bruce A. Baker, USI Insurance Services of Florida, Inc.   
•Rick Suarez, Miami, Florida, proprietor of Ready Windows. •Arnold Whisenant, Jacksonville, Florida, retired.  
•Dr. Elizabeth Beard Goldsmith, Florida State University, Professor.  National Association of Insurance Commissioner’s Consumer Representative.
•Richard C. Koon, Office of Insurance Regulation, Senior Management Analyst, Director Policy Forms.
•Steve Burgess, Florida Insurance Consumer Advocate.