Citizens Property Insurance chairman Bruce Douglas,  answers a question during a policy holder's forum in Fort Lauderdale, Fla. , Tuesday, May 15, 2007. Douglas fielded questions from several policy holders, insurance agents and members of the Legislature during what he called a first-of-its kind forum to hear feedback and present the latest changes to Citizens, which has about 1.3 million policy holders, most of whom who are unable to get windstorm insurance from private carriers or had their policies dropped because of hurricane risk. AP Photo logo AP Photo 30 months ago

Citizens Property Insurance chairman Bruce Douglas, answers a question during a policy holder's forum in Fort Lauderdale, Fla. , Tuesday, May 15, 2007. Douglas fielded questions from several policy holders, insurance agents and members of the Legislature during what he called a first-of-its kind forum to hear feedback and present the latest changes to Citizens, which has about 1.3 million policy holders, most of whom who are unable to get windstorm insurance from private carriers or had their policies dropped because of hurricane risk.