Not every Florida insurer is willing to take on Gov. Charlie Crist
and a public hearings-happy Office of Insurance Regulation.

As the deadline looms to file new rates that Crist insists must lower
premiums for the average Florida homeowner, a number of insurers are
having second thoughts about the hikes they initially sought.

Horace Mann, Teachers Insurance, and the AMEX Assurance/IDS Property
companies have all withdrawn their proposed hikes. So has Sentry
Insurance and Capitol Preferred.

Property insurers have until Sept. 30 to file final proposed rates
that reflect the state's $15 billion expansion of the Florida Hurricane
Catastrophe Fund.