It does not matter if the top 20 are writting new business or not, it is based on filed rates. If the top 20 are not accepting new business but have higher rates than Citizens, those folks would want to flock to Citizens to save money when they got the renewal notice. And for whatever reason they may be able to find an agent that was willing to beat himself to death for the effort.
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Are there 20 companies still writing new in Florida?
It does not matter if the top 20 are writting new business or not, it is based on filed rates. If the top 20 are not accepting new business but have higher rates than Citizens, those folks would want to flock to Citizens to save money when they got the renewal notice. And for whatever reason they may be able to find an agent that was willing to beat himself to death for the effort.