The House Always Wins (Continued)

He wants a jury. He wants to look someone in the eye. He wants a room that doesn’t smell like surrender.

Bibliography

1. Allaire Conte, Citizens Insurance Wins 90% of Disputes. Is the System Rigged? , Realtor.com (2025). Florida’s insurer of last resort, Citizens, has become a legal battleground amid skyrocketing disasters and insurer retreat.

2. ProPublica , Florida Lawmakers Give Citizens Power to Reroute Disputes (2023). Covers legislative debates over shifting legal processes to DOAH and includes Rep. Cassel’s dissent.

3. ProPublica &amp Sun Sentinel Investigation, Citizens’ DOAH Win Rate (2025). Findings show Citizens wins over 90% of cases in DOAH vs. 55% in circuit court.

4. Ibid., Settlement Outcomes in DOAH (2025). Details statistics about average settlement amounts and premature case endings.

5. Sun Sentinel , Interview with Jeffery McShane (2025). Reveals the human impact and personal story behind the numbers.

6. Sun Sentinel , Judge Blocks Citizens’ Use of DOAH (2025). Describes Judge Polo’s ruling and the structural bias found in DOAH proceedings.

7. Citizens Board Minutes , CEO Tim Cerio Remarks (2025). Cerio’s defense of DOAH process and framing of critics as politically motivated.

8. Florida House Floor Record , Hillary Cassel Testimony (2023). Original testimony warning about conflict of interest and constitutional risks.