Two years ago Gov. Charlie Crist put a prayer inside a crack of the famed Western or Wailing Wall in Jerusalem asking that God spare Florida from hurricanes. A year ago, State Sen. Nan Rich (D-Sunrise), followed suit on her trip to Israel.

While standing next to Crist recently, Rich joked to the governor about whether or not someone should fly back to Jerusalem before the kick-off of the 2009 hurricane season and once again ask for divine protection.

Joking or not, Florida may need it. Despite some changes put in place this year by state lawmakers, Florida's homeowners' insurance market is as fragile as ever. Heading into this hurricane season, the overriding problems are familiar ones: Citizens, the Cat Fund, and capacity.

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