FIRM (Fair Insurance Rates in Monroe) is a grassroots organization formed in February, 2006 comprised of homeowners and residents who are united to fight against excessive, discriminatory and unaffordable residential, condominium and commercial property insurance rates.

In the first six months after forming, the members of FIRM were able to help repeal a proposed 25% residential windstorm premium increase for Monroe County and went on to further reduce residential rates from Citizens Property Insurance Corporation for Monroe County by over 30%.  Increases in these rates have remained at a maximum of 10% per year, another victory FIRM fought for and won during the 2008 Florida legislative session.

FIRM was the first organized group of community activists to bring these windstorm inequities to the attention of the Florida Office of Insurance Regulation; to Florida’s Legislature, Cabinet and Governor; and to the Florida delegation to the U.S. House of Representatives. We have also been instrumental in educating homeowners regarding the insurance mitigation and crediting process.

Our grassroots organization has grown from the original 32 members; we currently have over 3,000 active members and continue to welcome new members.  If you are concerned about your residential, condominium or commercial property insurance rates, please join us in our continuing fight to bring fair and equitable rates to the citizens of Florida.  FIRM membership is suggested at $10 per family or business per year.  We need your support.  As our membership numbers grow, so does our influence on future legislative actions that continue to impact our property insurance coverage, deductible levels and rates.  Help us to help you.  Join FIRM today.

FIRM will continue our mission toreach residential, condominium and commercial property insurance rates in Monroe County that are neither excessive, discriminatory, nor unaffordable until we see appropriate physical and financial protection for property in the keys to sustain and support our communities.  We will also continue to support the development of a Federal National Catastrophe Program and/or a Coastal Catastrophe Plan.