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that head toward litigation has skyrocketed in recent years. According to Citizens data, each litigated case raises the average claim cost by at least $20,000, which will ultimately be passed on to Citizens policyholders. Citizens said that between January and November 2016, 8,097 new lawsuits were filed against Citizens a 30 percent increase from the same period in 2015. Meanwhile, Citizens policy count dropped by 26.3 percent between January 2015 and November 2016. While less than 15 percent of water-related claims resulted in litigation in 2011, nearly 50 percent did so in 2016, said Barry Gilway, Citizens president, CEO and executive director. The situation is really out of control. Contributing to this sharp increase is the fact that in many cases, Citizens is only made aware of a loss after repairs are made or the policyholder has hired an attorney or a public adjuster to represent them, the company said. Another factor is the use of assignment of benefits, in which policyholders who suffer a loss sign over policy rights to a third party, such as a contractor, who then has control of the claim and deals directly with Citizens. Data from Citizens and the Florida Office of Insurance Regulation found that on average, AOB claims are more expensive and more likely to lead to litigation. Under current conditions, contractors assume all the benefits afforded the policyholders but bear few of the responsibilities, such as cooperating with Citizens adjusters. These losses are driving Citizens 2017 budget request, which was approved by the Board on Wednesday. For 2017, Citizens has estimated net operating losses of $100 million in its inland residential policy lines, with losses concentrated in Miami-Dade and Broward Counties, where the bulk of litigated and AOB claims originate. The Florida Consumer Protection Coalition, formed earlier this year in response to rising AOB abuse , issued a statement in support of Citizens legislative priority. The Consumer Protection Coalition joins Citizens in supporting commonsense reforms to protect homeowners against unscrupulous vendors who use AOB to pad their profits, the coalition said.
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However, in the 1990s the profession began to transition to a doctoral level as a minimal requirement. University of Western Australia 5 In Canada, a Masters of Science M.Sc. is the minimum requirement to practice Audiology in the country. Employing various testing strategies e.g. hearing tests, otoacoustic emission measurements, videonystagmography, and electro physiologic tests, audiology aims to determine whether someone can hear within the normal range, and if not, which portions of hearing high, middle, or low frequencies are affected and to what degree. U.S. Audiology from Latin audīre, “to hear”; and from Greek -λογία, logia is a branch of science that studies hearing, balance, and related disorders. 1 Its practitioners, who treat those with hearing loss and pro actively prevent related damage are audiologists.