We believe there are property owners who come to Citizens because of price.

When everybody thinks about a sinkhole, people think of a home crashing into a hole. That's not what we're finding. We're finding it's cracks in driveways, cracks in the walls, settling on the roof and those are being paid as sinkhole claims.

Had the consumer had a claim during the mix-up, they would be covered after we found out about the error immediately.

We are proud of the improvements that we have made since 2004. We are going to keep striving to do better.

It's over and above the assessment, you're right. The goal is to treat all policyholders in the state the same.

Those are some significant losses.

We believe (the increases) are needed to allow Citizens to continue to pay for future hurricane claims. The last two years have been tremendous loss years.

These figures confirm our fears that Hurricane Wilma losses could be tremendous.

We have to focus on paying the claims and looking at the sources we have to do that.