Citizens for Homeowners Insurance Reform

Help Fight Rate Hikes of the Voluntary Market Companies
Sample letter to the Commissioner of Insurance

Fair Plan Rate Hike Request Dismissed & Disapproved by MA Commissioner of Insurance.
The Attorney General and State Rating Bureau challenged the adequacy of the evidence presented by the MPIUA( Fair Plan) to support it's proposed rates. The Commissioner agreed that the Fair Plan did not meet it's burden of proof on the accuracy of the Hurricane Models to MA and the reinsurance proposed.
Click here for the full decision.

MA Regulators should probe Liberty Mutual
I am asking members to e-mail the Governor at: constituentservices@state.ma.us regarding the Liberty Mutual Tax Break and Commissioner of Insurance Murphy poor job to protect consumers. Also call your legislator and ask for their investigative help on this matter.
Thanks,
Paula
Click here to read Paula's email to legislators.

Ron Lasko, a consumer advocate who supports our efforts, responds to the Cape Cod Times series by Jack Golembeski, President of the Fair Plan which was in response to Paula's My View series.
Click here to read Ron's response.

Cape Cod Times three-part series examining homeowners insurance in Massachusetts written by Paula Aschettino, chairwoman of Citizens for Homeowners Insurance Reform, and members and consumer advocates Ron Lasko and Jane Logan.
Click here to read the three-part series.

Click here for the legislators testimony to the Docket Clerk on the Fair Plan Rate Hike

HOW YOU CAN HELP - Please print out all sample letters and sign them with your name and address. If you live out of the coastal area, put your coastal property address on as well. Mail these to addresses found on our contact page.

You may add any insurance history to these letters if you wish.

We continue to demand Homeowners Insurance Reform in Coastal MA. No Major Storms again for 2008. Yet, coastal rates remain the highest in the State.

Our approach to achieve Reform will be to:

The Duties and responsibility of the Commissioner to protect citizens exist under MA General Laws. We want implementation of these regulations by the Commissioner so that: Premiums shall not be excessive and premiums reduced when proven excessive.

We want a meaningful appeal process for citizens on replacement values.

The Commissioner requires all data from insurers when reviewing a rate increase and we want expenses, re-insurance contracts, profits to be part of this data and make these public.

The Commissioner shall require Insurers to give written proof the models used for predicting hurricane loss, have used MA data and features.

Clarify that wind deductibles shall be triggered by Hurricanes only and capped the deductibles at 1%.

Hold public hearings for all rate hike requests.

ASK FOR CONTINUED HELP FROM THE ATTORNEY GENERAL to oversee the protection of coastal citizens from excessive rate increases and shift of risk to citizens by Insurers.

The Cape and Islands had almost the lowest number of wind claims in the state in 2007 which has been typical of the records shown in the past 15 years. Yet, according to the premiums charged by the Fair Plan and the Private Insurers, we pay the highest rates in the state.

Citizens for Homeowners Insurance Reform, a grassroots organization which was created in October 2006 has over 6000 members and is working for reform to the homeowner insurance crisis in Coastal MA.

Sincerely yours,

Paula Aschettino
Chair/Founder
Citizens for Homeowners Insurance Reform
21 Smith Street
Eastham, MA 02642
508-240-5231

Thank you, Paula Aschettino and The Committee

"Citizens for Homeowners Insurance Reform"

Top of Page

House Bill H00311 Bill H00311 was submitted to the State House January 19, 2011 It will be sponsored by Paula Aschettino, Sarah Peake our State Representative and other Representatives will be asked to sign on. Click here to see the language of our bill inserted into the existing statute. Testimony From the Hearing Part 1 Part 2 Part 3 2010 Data on Losses & Premiums 2006-2010 Loss Experience by Cause FairPlan 2010 Loss Experience Loss Ratios 2010 - Homeowers Only 2010 Private Insurers Loss Experience Fair Plan Indicated & Proposed Rate Change 2010 BECOME A FRIEND! I support this initiative for positive change to the present, unfair insurance practices.
First Name *
Last Name *
Address *
City *
State *
Zip *
Phone
Email *
* Required Click here to print and fax this form. ACTION YOU CAN TAKE! Please click here for sample letters you can send to your legislator. The time has come to ask you to make a small donation to cover costs of this fight for "Insurance Reform". Please send a donation to the address below, we are now a Not for Profit Corporation. Please print and fill-out the Insurance Complaint Form if you feel that your homeowners insurance is too costly. (Please send a copy to both the Governor & the Division of Insurance) CITIZENS FOR HOMEOWNERS INSURANCE REFORM 21 Smith Street Eastham, MA 02642 Phone: 508-240-5231 Fax: 774-207-0114 Email: insreform@aol.com To reach Paula Aschettino e-mail her @ insreform@aol.com