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Despite enduring an ongoing salvo of criticism and potentially damaging reform laws spurred by Florida Gov. Charlie Crist, most insurance industry officials have been careful about mounting any verbal counterattack, acknowledging the political demands made on the catastrophe-prone state’s lawmakers.

Legislative changes have included banning future Florida-only insurer subsidiaries and changing rules for coverage by Citizens Property Insurance Company, which–according to the state’s chief financial officer, Adelaide “Alex” Sink–has created an actuarially unsound situation for the state’s insurer of last resort.

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