Whether State Farm Fire and Casualty Company and State Farm General Insurance Company ("State Farm") made a material misrepresentation or material error in connection with the rate filing that is the subject of this proceeding. For the purpose of this proceeding, a misrepresentation or error would be material if it resulted in the Department approving "ex-wind" (meaning without windstorm coverage) homeowners insurance rates that are excessive for policyholders whose wind coverage is being non-renewed in Dade, Broward and Pinellas Counties.No evidence in the record that Petitioner made any misleading or fraudulent representation in its rate filing that was material to issue of excessive rates.

Whether Respondent's explosives license should be revoked, or the licensee otherwise disciplined, for alleged violations of Chapter 4A, Florida Administrative Code, as set forth in Administrative Complaint, dated June 9.1981, as amended. This proceeding arises under an Administrative Complaint filed by the State Fire Marshal, Department of Insurance, against Respondent, F. R. Jahna Industries, Inc., alleging that on or about February 26, 1981, Respondent violated Rules 4A-2.19(6) and (8), Florida Administrative Code, by detonating explosives in such a manner that rocks, dust and blast debris encroached on Highway 491 and residences in Beverly Hills, Florida. Violation of the aforesaid rules is predicated upon the allegation that the blast was done in a congested area, in close proximity to structures and highways, without using a mat to prevent fragments from being thrown, and by failing to block off adjacent roads. The State Fire Marshal seeks to revoke Respondent's explosives license issued under Chapter 552, Florida Statutes, or to impose any appropriate lesser penalties. Respondent filed a petition requesting a Section 120.57 (1), F.S., hearing and the petition was referred to this Division for the appointment of a Hearing Officer. At the hearing, Petitioner presented the testimony of seventeen witnesses, including deposition testimony of two witnesses. Respondent called seven witnesses and submitted ten exhibits in evidence. Proposed recommended orders filed by the parties have been fully considered, and those portions thereof which have not been adopted herein are considered either to be unnecessary, irrelevant or unsupported in fact or law.Respondent used simple negligence in blasting operation at mine causing minor damage to nearby cars/houses. Recommend administrative fine.

Increase in private passenger automobile rates justified.

Respondent accused of forging client's signature on authorization-for-transaction forms of premiums directly transfered to insurer. Recommend dismissal for insufficient evidence.

There was no competent and substantial evidence to support accusations that Respondent used deceptive practices and misleading assertions to sell insurance.

Respondent engaged in a pattern of fraud, misrepresentation and collection of inflated premiums. Recommended Order: revoke Respondent's license.

Petitioner not entitled to certification as a firefighter because did not meet physical requirements.

Evidence of misconduct is sufficient to revoke license of general lines agent.

The issues presented herein are whether or not the Respondents' licenses and eligibility for licensure as insurance agents should be revoked or lesser penalties should be imposed based on allegations set forth more particularly hereinafter in detail and as set forth in the Administrative Complaints filed herein.Respondent, insurance agent, violated separate provisions of insurance code and engaged in deliberately deceitful business transactions. Hearing Officer recommends two years suspension.

Recommend disallowing Petitioner's rates for excessive PIP costs and not flattening miscellaneous, excessive uninsured mototist coverage.