When I took the reins at Citizens Property Insurance Corp., I knew I was taking on a challenge. I'd been brought in not to babysit but to fix an organization facing serious internal and external challenges. I have made a career of doing this successfully time after time.

I cannot change what happened before my tenure at Citizens began. What I can do is make changes to dramatically improve this organization going forward. My goal is to make Citizens an industry and state model. I therefore have devoted myself from Day One to making changes to improve the organization's efficiency, ethics and fiscal health.

One of the most pressing areas of concern was deficiencies in Citizens complaints, disciplinary and internal auditing procedures and capabilities. These weaknesses included insufficient policies, underqualified staff, and reporting and investigative procedures that did not align with industry best standards.

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