Sen. Ron Klein (D-Delray Beach) may be swinging at windmills, but he takes seriously his mission to scrap the current regulatory structure of overseeing insurance and return the power to the people. Saying that the system tilts too strongly to the needs of insurance companies over consumers, he believes it's time to reinstate the office of an elected insurance commissioner.

"After three years of skyrocketing premiums, policy cancellations, fraud, neglect, and mismanagement, it's time we give the people of this state the opportunity to decide if they are happy with the current system," he said.

Klein's argument is symptomatic of a growing populist movement that has been expanding in the aftermath of the past several hurricane seasons. Faced with destroyed property and the Byzantine requirements of filing a claim and dealing with state and federal agencies, the reality is that more and more people are looking for someone to take responsibility and, yes, shoulder the blame. A blame that is only going to grow louder as policyholders face higher rates and the potential of assessments to fund deficits in the Citizens Property Insurance Corporation and the Florida Hurricane Catastrophe Fund.