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Stunned by a Citizens Insurance ‘depopulation’ letter? Here’s what you need to know.

Tens of thousands of customers of state-owned Citizens Property Insurance Corp. are getting a stunning surprise in their mailboxes.
It’s a letter from Citizens’ “Depopulation Unit” stating their policies have been assumed by a private-market company.
Cause for celebration? Not if the private company’s estimated annual premium is higher than what the policyholder is paying Citizens.
Delores Smerkers, a Davie retiree, said her Citizens policy renewed in July for $5,523 — $650 more that what she paid last year. Less than two months later, in late August, she received a letter saying her coverage was being assumed by Safepoint Insurance Co.
The letter stated that her estimated cost to renew her Safepoint policy will be $6,650 — an increase of $1,127.
That’s a substantial price hike, but because it’s less than 20% above her Citizens premium, she is ineligible to reject the offer and stay with Citizens.
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Smerkers says she doesn’t know how many more insurance price hikes she and her disabled husband can endure as they try to live out the remainder of their lives in the modest 1,750-square-foot villa they bought new in 1978.
“It’s a shame,” she said. “People on fixed incomes are hurting the most. We’re not rich. We worked like dogs all our lives. Now look at where we are at.”
More than 300,000 Citizens policyholders are getting letters stating that their policies have been selected for removal in October by one or more of five private-market companies.
Targeted policyholders are ineligible to remain with Citizens if their letter identifies a private company’s “estimated renewal premium” that’s less than 20% over Citizens’ estimated renewal premium for comparable coverage.
But if all estimated renewal premiums exceed 20% of Citizens’, the policyholder can opt to remain with Citizens by logging onto the company’s website or asking their insurance agent to make the selection for them.
Removal is automatic for those who don’t take action
October marks the first of two depopulation efforts. Another is scheduled in November.
Five companies have been approved to take 184,000 policies from Citizens in October: Florida Peninsula (up to 19,000 policies), Monarch (10,000), Safepoint (30,000), Slide (100,000) and Southern Oak (25,000).
Letters sent to selected policyholders state that the transfer will take place on Oct. 17 unless the policyholder selects another option by Oct. 5. But the Oct. 5 deadline was moved to Oct. 10 after a vendor handling the mail-outs fell behind, leaving some recipients with only a couple weeks to act.
Of 311,250 policyholders informed that they’ve been selected for takeout in October, 99,500 have so far elected to remain with Citizens, according to data provided by Citizens spokesman Michael Peltier. Just 9% — 28,750 — have selected a private company. And the majority, 183,000, have not yet registered a selection.
Anyone who fails to make a selection will automatically be transferred on Oct. 17 to the private company identified in their letter with the lowest premium, Peltier said.
Targeted policyholders don’t have to pay more now
Some policyholders who have received a depopulation letter say they were confused about the estimated renewal premiums identified in the letter.
The premiums are just estimates of the following year’s insurance costs and don’t have to be paid right away. Even if a policyholder accepts the transfer, the coverage remains in place at the current Citizens rate until the policy expires.
In Smerkers’ case, she won’t owe the new $6,650 premium until her Citizens policy is set to expire in July.
Deerfield Beach resident Jeff Torrey said it took a phone call to his agent to clarify that he didn’t owe more money immediately.
He received a letter in mid-September saying Slide was assuming his policy on Oct. 17 and that he was ineligible for Citizens because Slide’s estimated renewal premium was nearly $1,000 more but $185 under the 20% threshold.
“I thought come Oct. 17, I was going to have to pay more,” Tolley said in an interview. The agent told him “the letter is not very clear. It’s confusing.”
In addition, those estimates could change prior to the policy renewal date, and that could change policyholders’ eligibility to remain with Citizens.
Policyholders currently ineligible to remain with Citizens are advised to wait until 90 days before their policies are set to renew with the new company and then look at the difference between the actual renewal rates at that time. If the difference falls below 20%, the policyholder will be eligible to return to Citizens.
Steve Rogosin, a Plantation-based insurance agent, said 55 of his clients have received depopulation letters and of those, only half are currently eligible to remain with Citizens.
“I tell them to carefully read the offer, and then on an individual basis, we help them make their decision,” he said.
Most who remain eligible to stay with Citizens are choosing to do so, he said. Other options are available beyond the private companies identified in the letters, but “they’re not cheaper than Citizens,” he said.
Brian Murphy, co-owner of a Brightway Insurance agency in Palm Beach Gardens, said one of his clients who’s currently paying $4,400 for his Citizens policy received a letter estimating the new company would charge him $8,200 when it comes time to renew his policy.
“So he gets to stay in Citizens,” Murphy said.
New law will make more ineligible to stay in Citizens
The current round isn’t like recent depopulation efforts.
What’s new is the 20% threshold. It’s being used to reduce the number of policies held by the state’s “insurer of last resort.”
Citizens’ board of governors and legislators that oversee the program have become anxious in recent years about the company’s renewed growth. As private-market companies stopped writing policies or were driven to bankruptcy, Citizens’ policy count increased from 420,000 in 2019 to 1.4 million currently.
Such a large number of policies sets off alarm bells, because if a major hurricane wipes out Citizens’ ability to pay claims, the company will have to levy surcharges and assessments to make up the shortfall.
Citizens’ policyholders would first face surcharges of up to 45% of their premiums.
If that’s not enough, a special assessment would be imposed to collect 2% of the cost of every homeowner, auto, specialty and surplus lines policy in the state.
And there’s more. If those two levies don’t generate enough, Citizens has the right to impose on all policies — Citizens and private-market — an emergency assessment of up to 10% for each of Citizens’ three accounts.
Until this year, Citizens customers targeted for removal could opt out for any reason.
And that worked for awhile, as a 10-year stretch without a major hurricane making landfall in Florida enabled some private-market companies to offer rates lower than Citizens.
But over the past five years, the private insurance market has hemorrhaged tens of millions of dollars, forcing companies to raise their rates far above Citizens.
Citizens, in turn, was prohibited from keeping pace by raising its rates more than an average 10% each year.
Last year, the state Legislature enacted the 20% threshold and put Citizens on a path to increase rates by increasing the rate cap by a percentage point a year until it reaches 15% in 2026.
More companies signal an improved insurance market
Murphy said his firm has a team of people answering questions from clients about their depopulation letters.
They’ve haven’t heard many complaints, he said, possibly because clients understand that Citizens is “stretched” and has to depopulate.
But he sees the number of companies willing to assume Citizens policies as a good sign that the market is poised to recover.
A big reason companies are reentering the market, experts say, is that reforms enacted by the state Legislature last year remove enticements for repair contractors and plaintiffs attorneys to file lawsuits against insurers.
Removing those enticements reduces potential for losses and should help convince insurers that they’ll again be able to make a profit in the Florida market, they say.
“Other carriers are coming in with some appetite,” Murphy said. “And I believe we’re going to see more in 18 months.”
Meanwhile, depopulation targets who were able to remain in Citizens shouldn’t get too comfortable. They might soon get targeted again.
Agents are gearing up for a fresh round of depopulation offers to start going out in late September.
Six companies, including the four participating in this month’s round, have been approved to remove up to 196,399 Citizens policies on Nov. 21.
According to letters informing policyholders about the Oct. 17 takeouts, “If your policy is not successfully assumed, you may continue receiving future offers from private-market insurance companies interested in removing your policy from Citizens.”
Ron Hurtibise covers business and consumer issues for the South Florida Sun Sentinel. He can be reached by phone at 954-356-4071, on Twitter @ronhurtibise or by email at [email protected].
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12 Nintendo Switch tips and tricks you probably didn’t know (but definitely should)

Regardless of how long you’ve owned your system, there are certain Nintendo Switch tips and tricks that you might not have known about (if you haven’t already, the Black Friday deals on the Switch might be the opportunity you’ve been waiting for). In this post, we’ll try to correct that by summarizing some of the features that have enhanced our personal use of the gadget.
There exist numerous tips and tricks to enhance your usage of Nintendo’s entertaining and portable system, such as customizing your Switch or remapping buttons to save space or even locate misplaced Joy-Cons. Though in this article we’re only going to talk about items you can customize with the Switch consoles themselves, so there’s no need to buy anything else, you might also want to have a look at some of the greatest Nintendo Switch accessories.
12 helpful hints for the Nintendo Switch
Remap your buttons if you’d like. Want to obtain extra saves? Our best Nintendo Switch advice and techniques are included here.
Recently, there has been a lot of interest in dark mode, in part due to the perception that it could aid with eye strain and, in part, because it looks cool. There is, in fact, a dark mode for the Nintendo Switch. Just select Basic Black from the Themes menu under System Settings. This will alter the background of the menu pages and home screen to black; the games will remain unchanged.
2. Modify the avatar on your Nintendo Switch profile
Upon initializing your Nintendo Switch, you will be prompted to select an avatar and establish a profile. You can, however, always alter your avatar afterwards. Simply tap your symbol in the top-left corner to access your profile page, and then select User Settings > Edit symbol.
3. Remap the buttons on a Nintendo Switch
a picture of one of the top Nintendo Switch tutorials
Remapping the buttons on your controller is something you might not be aware of if you’ve owned your Nintendo Switch for a while, as it was only made possible via an update released in April 2022. Navigate to Controllers and Sensors > System Settings > Change Button Mapping.
On the Nintendo Switch, buttons for both Joy-Cons and the Switch Pro Controller can be remapped. You may adjust the purpose of each button and the joystick’s orientation by simply choosing a controller. It is possible to adjust the Joy-Con inputs for both horizontal and vertical gaming.
Although the Nintendo Switch is incredibly portable, its usefulness when traveling without a power source may be limited by its short battery life. Although a battery charge typically lasts three to four hours, there are a few strategies you can take to extend its life.
One of the most obvious solutions is to lower the brightness of the panel. This is by default set to automatic. To adjust the brightness to a fixed lower level, navigate to the settings page. Disabling controller vibration under ‘Controllers and Sensors’ is an additional choice. Additionally, you can lower the volume and enter flight mode.
To monitor battery life more closely, you can enable the battery percentage display option (System Settings > System). Of course, a portable power bank can be a wise purchase if you plan to use your console for an extended period of time without access to electricity.
Have you lost your Joy-Cons? No worries, the Switch comes equipped with a feature that allows you to find controllers (so long as they are in the same area; it won’t work if they are at someone else’s house). To view the controllers connected to your console, navigate to Controllers > Find Controllers.
If the missing controller has fallen behind the sofa or under the bed, you can locate it by highlighting it and pressing the L or R button on the one you have. If not, it should vibrate. To make both Joy-Cons vibrate in case you lose them, tap the touch screen.
We adore the Nintendo Switch, but if you primarily use digital downloads, you may quickly run out of space once you’ve accumulated a library of games due to the device’s lackluster hard drive capacity. Archiving games that you aren’t playing right now is one way to solve the problem. While maintaining game saves, this frees up space.
Simply select Manage Software > Archive Software after highlighting the game and pressing +. System Settings > Data Management is another way to archive. Choose Quick Archive to receive recommendations based on file size and playtime recently. Select the software you wish to archive by clicking Manage Software.
Naturally, there’s a good risk that your hard drive will eventually run out of capacity, especially if you have the original Switch or Switch Lite, which only have 32GB of space (the 64GB OLED model doubles that). The truth is, you will most likely need to buy a MicroSD card at some point. Third-party choices are supported by the consoles, and Black Friday is frequently a good time to locate deals.
You can move game data between the microSD card and the console if you’re using one (System Settings > Data Management > Move Data Between System / microSD Card). Click Move Data after choosing your destination and the games you wish to transfer. One advantage of purchasing physical games—which are frequently less expensive if you discover a deal at a store like Amazon—is that they don’t take up as much room.
Finding out that a game only supports one save file and that you have to erase the old one in order to create a new one or restart the game can be annoying at times.Making several user profiles is an easy way to get around this. Since every profile has its own save data, you can make a save for every profile you have. Go to System Settings > Users > Add Users to establish a new profile. When you launch a game after that, you’ll be able to select from your many profiles
On the Switch, you can’t record very long gameplay videos, but you can at least snap screenshots and record brief gameplay clips of the previous 30 seconds. You may now transmit screenshots from the Switch to your phone instead of the very restrictive Facebook or Twitter option that was previously the sole way to share images.
Press ‘A’ to bring up the Sharing and Editing options when you open the screenshot on your Switch, and then choose Send to Smartphone. To establish a wireless connection between the devices, you must first use your phone to scan one QR code. After that, you must scan a second code to view an image on a web page. You are free to use the image however you see fit after saving it to your phone.
Using friend codes, you can connect and play games with other Switch users. By accessing your user profile, you may see your code—a 16-digit code that will show up next to your icon. The majority of online multiplayer games, including Fortnite, require a Nintendo Switch Online subscription, although some do not. To play online against your trusted pals, you’ll need to add them.
Since the Nintendo Switch is not region-locked, you can purchase games from retailers across the globe in addition to those in your home nation. The drawback is that it can be a little tricky to obtain a digital code from another nation. The code requires you to set up a profile in the nation where it was obtained, however this is a simple and free process.a
Navigate to System > User settings. Select an icon and a nickname for the profile by tapping Add New User. Following that, you’ll need to register as a new user online. Simply follow the instructions, making sure to select the correct nation for your profile and provide a second email address for verification. When you’re finished, you can use your profile to log into the eShop (you’ll notice the currency is different) and use the sidebar menu to redeem your voucher.
You can use any of your profiles to play the game after downloading it. But, if you remove the newly made profile, you won’t be able to access it.
Your Nintendo Switch home screen allows you to customize the wallpaper and rearrange the icons as you see fit. By selecting Custom, you have the option to design your own background color and pre-made themes. You’ll need a microSD card to transfer an image to your Switch in order to add a custom wallpaper. Proceed to System Settings > Themes > Change Theme after that. After selecting Custom, choose the desired image to use.
Once you have more than 12 titles, you may additionally group Switch software. Scroll all the way to the right from the Home Menu and choose “All Software.” In order to examine your software by groups, press the L button. “Select Create new group,” check the titles you wish to include, organize them as you see fit, and give the group a name. It is possible to establish up to 100 groups, each with 200 titles.
12. Understand how to perform a Nintendo Switch hard reset.
The Nintendo Switch could occasionally freeze on you, just like any other electrical gadget. Hard resets are typically able to remedy this. The console should reset if you hold down the system’s power button for up to 15 seconds. In more severe situations, you can conduct a full factory reset by deleting the memory by heading to System Settings > System > Formatting Options > Initialize Console.
If you’re still in the market for a Nintendo Switch system, check out our guide to the top Nintendo Switch bargains or the prices shown below for your area. We also have a post about the top games for the Nintendo Switch.
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Maria Menounos Saw Signs of Pancreatic Cancer a Year Before Her Diagnosis — Here’s What Doctors Missed

In December 2022, about a year and a half ago, Maria Menounos received the horrifying news that she had pancreatic cancer. Since then, the TV and podcast host has had surgery to remove the tumor along with her spleen, a fibroid, and 17 lymph nodes. She has also turned into an ardent supporter, striving to increase public awareness of the illness. It’s a crucial job since, according to the Pancreatic Cancer Action Network (PanCAN), pancreatic cancer can be difficult to diagnose because the organ is situated too deep in the abdomen for medical professionals to feel or see tumors, and because symptoms aren’t always evident. Menounos’s route to a diagnosis, which included several missed indications and months of doctor appointments, serves as an example.
During a recent episode of Hoda Kotb’s podcast, Making Space, Menounos talked about how she had been experiencing severe bloating for several months prior to receiving her diagnosis. She said, “I looked like I swallowed a basketball for at least a year and a half or so.” In March 2022, Menounos stated, she had a test for celiac disease and had an endoscopy and colonoscopy in an attempt to “get to the root of what’s happening,” but the physicians “didn’t find the source.”
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She continued, “I was attempting to exclude items from [my] diet to see if there was a difference, so I kept snapping pictures of [my bloating]. “I told myself that there was a problem and that I would keep looking for it until I found it.”
Eight months before receiving a pancreatic cancer diagnosis, in April 2022, Menounos suggested that her pancreas might be the issue on an episode of her own podcast, Heal Squad. Menounos recounted the incident, saying, “[I said,] ‘I think something’s wrong with my pancreas,'” and that “a whole discussion about the pancreas” ensued. She described her remarkably precise prediction as “so random.”
Menounos began to have new-onset diabetes in June 2022, which is another sign of pancreatic cancer. Menounos recalled, “I said, ‘I don’t have this,’ first.” “I have no reason to develop Type 1 diabetes at 43 years old or older.” In retrospect, it appears that doctors overlooked this further warning indication. Research suggests that newly developing diabetes in adults over 50 “may be an early symptom of pancreatic cancer,” according to PanCAN. having diarrhea and what she had previously described as “excruciating” stomach discomfort. Menounos’s agony persisted even after CT scans, blood tests, and stool examinations revealed nothing abnormal. Ultimately, a growth on her pancreas was discovered during an MRI in December 2022. A biopsy later identified the abnormality as a stage 2 pancreatic neuroendocrine tumor.
Menounos was fortunate to have been diagnosed with cancer at an early stage and to have had the means to receive treatment. However, during the course of the year, Menounos’ doctors missed several symptoms even with those resources. The E! News alum is committed to sharing her experience because it validates the strength of persistence and self-advocacy in the doctor’s office.
Menounos stated earlier this month in a PanCAN ad that the best thing you can do for your health is “early detection, paying attention to your body and the signals it’s giving you.” “I want people to realize that they need to pay attention and take charge of their health.” According to PanCAN, signs of pancreatic cancer specifically can include back or abdominal pain, sudden-onset diabetes, jaundice, nausea, loss of appetite, changes in stool, and enlargement of the pancreas (also known as pancreatitis).
It’s important to be aware of the signs of cancer and other health problems and to make sure that medical professionals give your worries due consideration. Menounos emphasized, “You can’t just listen to somebody else tell you what’s happening in your body.” “If the suffering continues, you must not give up.”
Read about these famous people who have discussed their autoimmune diseases before you leave:
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8 teens face murder charges in deadly beating near Las Vegas high school

After the attack, Jonathan Lewis, 17, passed away, according to the Clark County coroner’s office. It was stated that complications from numerous blunt force injuries were the cause of his death. Homicide was recorded as the cause of his death.
After the attack, Jonathan Lewis, 17, passed away, according to the Clark County coroner’s office. It was stated that complications from numerous blunt force injuries were the cause of his death. Homicide was recorded as the cause of his death. In KLAS
The ages of all eight are thirteen to seventeen. The teenagers’ names were withheld for a while due to their age. In Nevada, a case involving a 16- or 17-year-old accused of murder is immediately sent to the adult court system. We call this procedure “certification.” Although it is not always the case, judges have the authority to certify minors over 14 as adults for any type of felony offense, including murder.
The incident took place on Wednesday, November 1st, close to Rancho High School on the 1900 block of Searles Avenue.
LVMPD Lt. Jason Johannson stated at a press conference on Tuesday that all 10 individuals involved were Rancho High School students. Johannson declared that there was insufficient evidence to classify the occurrence as a hate crime and called the footage “void of humanity.”
Eight of the ten had been recognized by police as of Tuesday, according to Johannson. All eight were taken into custody by police and the FBI early on Tuesday.
According to Johannson, Lewis was not defending himself and was lying on the ground when he passed out. The altercation was allegedly about a vape pen and some stolen wireless headphones.
The father of the younger Lewis, Jonathan Lewis, revealed to 8 News Now that his 17-year-old son passed away on Tuesday, Nov. 7, due to the wounds. Lewis, an out-of-state resident, expressed his hope that the passing of his son would spark a discussion about youth violence in the Las Vegas area.
In a statement to 8 News Now after the arrest, he stated, “We all must be held accountable for our choices.” “In our community, we should be able to live in harmony and experience love! For me, justice is just now beginning to be understood. For me as a father, a big part of justice is identifying the real reasons why, at this age, our kids choose violence—the underlying causes, the fear of ongoing resource conflict and reliance on a dysfunctional system—and creating our own self-regulated riches and health instead!
Two persons who were still unidentified were requested to be identified by police. As of Tuesday afternoon, neither of the two’s photos had been made public.
It is suggested that anyone with information get in touch with the LVMPD Homicide Section via email at [email protected] or by phone at 702-828-3521. Call Crime Stoppers at 702-385-5555 or use their website to remain anonymous.
“Instead of enslaving yourselves to anger, rage, and cowardly violence, I’m calling on the youth to use their collective mob voice to demand change, create a deep sense of community, and do something with your power,” stated the older Lewis.
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