I am very familiar with Citizens and while I am pleased to see reform of it, I don't see how the changes made end up with correctly priced risk. The continued e

I am very familiar with Citizens and while I am pleased to see reform of it, I don't see how the changes made end up with correctly priced risk. The continued existence of Citizens is proof that the risk is not priced correctly or private insurers would be willing to sell policies. But the mispriced risk is only part of the problem. Even if the risk were correctly priced, I do not believe that many properties being sold today will be standing in 30 years without significant extra investment. It is not just the private properties. Roads and other infrastructure are built in Florida with no apparent long term plan.