• Chief Financial Officer Sharon Binnun speaks to the Citizens Property Insurance board of governors about insurance cost at a public workshop at the JW Marriott in Miami on Monday, July 16, 2012 CARL JUSTE / MIAMI HERALD STAFF

  • Citizens Insurance staff members address the board of governors at a rate hearing workshop at the JW Marriott in Miami on Monday, Ju ly 16, 2012. CARL JUSTE / MIAMI HERALD STAFF

  • About 50 people attended a public workshop on insurance rates held by Citizens Insurance at JW Marriott in Miami on Monday July 16, 2012. The front row seats were reserved for public officials. CARL JUSTE / MIAMI HERALD STAFF