--- title: From The Early Days to Takeouts, The Ins & Outs of Citizens Insurance of Florida With John Kummer, VP at Team Focus (AoB S1E12) - InsNerds.com description: In this episode of the Assignment of Benefits Podcast (E12), Nick Lamparelli sits down with John Kummer, Vice President at Team Focus, to discuss the intricacies of Citizens Insurance of Florida and the takeout process for property insurance in the state. John shares his extensive background in the insurance industry, from his early career as image: https://insnerds.com/hubfs/Imported_Blog_Media/Lamparelli-100x100-Jan-03-2025-01-31-54-0831-AM.jpg --- 2 min read # From The Early Days to Takeouts, The Ins & Outs of Citizens Insurance of Florida With John Kummer, VP at Team Focus (AoB S1E12) [![Picture of Nicholas Lamparelli](https://insnerds.com/hubfs/Nick%20Lamparelli(Headshot%20GS).jpg) Nicholas Lamparelli ](https://insnerds.com/insights/author/nicholas-lamparelli) : Jul 30, 2024 12:00:00 AM [Assignment of Benefits](https://insnerds.com/insights/tag/assignment-of-benefits) [Florida Insurance](https://insnerds.com/insights/tag/florida-insurance) ![From The Early Days to Takeouts, The Ins & Outs of Citizens Insurance of Florida With John Kummer, VP at Team Focus (AoB S1E12)](https://insnerds.com/hubfs/Imported_Blog_Media/Lamparelli-100x100-Jan-03-2025-01-31-54-0831-AM.jpg) In this episode of the Assignment of Benefits Podcast (E12), Nick Lamparelli sits down with John Kummer, Vice President at [Team Focus](https://www.linkedin.com/company/team-focus-insurance-group/), to discuss the intricacies of Citizens Insurance of Florida and the takeout process for property insurance in the state. John shares his extensive background in the insurance industry, from his early career as a CPA to his significant roles in Florida’s insurance regulation. Key topics include: – The complexities involved in insurance financial reporting and the importance of understanding statutory versus GAAP accounting. – The role of Citizens Insurance as a market of last resort and the risks it poses to Florida taxpayers. – The structured and regulated process for private carriers to take policies from Citizens, including the importance of due diligence and stakeholder communication. – Technology and expert support are necessary when undertaking a takeout, emphasizing the need for efficient claims management and customer communication. – Strategic considerations for companies during and after hurricane season, particularly in preparation for a possible surge of takeout applications. John underscores the significance of working with experienced professionals and leveraging technology to manage risks effectively, dispelling the myth that the takeout process is an easy windfall for insurance companies. Tune in to gain valuable insights into the insurance landscape in Florida and the operational challenges of navigating the Citizens Insurance takeout process. ![](https://insnerds.com/hs-fs/hubfs/Imported_Blog_Media/Lamparelli-100x100-Jan-03-2025-01-31-54-0831-AM.jpg?width=100&height=100&name=Lamparelli-100x100-Jan-03-2025-01-31-54-0831-AM.jpg) ![](https://insnerds.com/hs-fs/hubfs/Imported_Blog_Media/Lamparelli-100x100-Jan-03-2025-01-31-54-0831-AM.jpg?width=100&height=100&name=Lamparelli-100x100-Jan-03-2025-01-31-54-0831-AM.jpg) ### About Nicholas Lamparelli Nick Lamparelli is a 20+ year veteran of the insurance wars. He has a unique vantage point on the insurance industry. From selling home & auto insurance, helping companies with commercial insurance, to being an underwriter with an excess & surplus lines wholesaler to catastrophe modeling Nick has wide experience in the industry. Over past 10 years, Nick has been focused on the insurance analytics of natural catastrophes and big data. Nick serves as our Chief Evangelist. - [![](https://insnerds.com/hubfs/Imported_Blog_Media/linkedin-Jan-03-2025-01-32-10-5657-AM.png) ![](https://insnerds.com/hubfs/Imported_Blog_Media/linkedin-Jan-03-2025-01-32-10-5657-AM.png) ](https://www.linkedin.com/in/nicklamparelli) - ![](https://insnerds.com/hubfs/Imported_Blog_Media/wordpress-Jan-03-2025-01-31-51-3080-AM.png) ![](https://insnerds.com/hubfs/Imported_Blog_Media/wordpress-Jan-03-2025-01-31-51-3080-AM.png) ![](https://insnerds.com/hs-fs/hubfs/Imported_Blog_Media/Lamparelli-150x150-Jan-03-2025-01-31-52-4558-AM.jpg?width=150&height=150&name=Lamparelli-150x150-Jan-03-2025-01-31-52-4558-AM.jpg) ##### [ Nicholas Lamparelli](https://insnerds.com/author/nick-lamparelli/) + posts Nick Lamparelli is a 20+ year veteran of the insurance wars. He has a unique vantage point on the insurance industry. From selling home & auto insurance, helping companies with commercial insurance, to being an underwriter with an excess & surplus lines wholesaler to catastrophe modeling Nick has wide experience in the industry. Over past 10 years, Nick has been focused on the insurance analytics of natural catastrophes and big data. 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This this… - [PiR - E152: Starting a Florida Insurance Company From Scratch (Episode 2)](https://insnerds.com/pir-e152-starting-a-florida-insurance-company-from-scratch-episode-2/) In this special episode of Profiles in Risk, my co-host Wesley Todd and I spoke… [**Share](https://www.linkedin.com/cws/share?url=https%3A%2F%2Finsnerds.com%2Ffrom-the-early-days-to-takeouts-the-ins-outs-of-citizens-insurance-of-florida-with-john-kummer-vp-at-team-focus-aob-s1ex%2F%3Futm_source%3Dlinkedin%26utm_medium%3Dsocial%26utm_campaign%3DSocialWarfare) [**Tweet](https://twitter.com/intent/tweet?text=From+The+Early+Days+to+Takeouts%2C+The+Ins+%26+Outs+of+Citizens+Insurance+of+Florida+With+John+Kummer%2C+VP+at+Team+Focus+%28AoB+S1E12%29&url=https%3A%2F%2Finsnerds.com%2Ffrom-the-early-days-to-takeouts-the-ins-outs-of-citizens-insurance-of-florida-with-john-kummer-vp-at-team-focus-aob-s1ex%2F%3Futm_source%3Dtwitter%26utm_medium%3Dsocial%26utm_campaign%3DSocialWarfare&via=InsNerds) 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