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OCR: Tom Gallagher State Treasurer, Insurance Commissioner, and State Fire Marshal The Capitol Tallahassee, Florida 32399-0300 (904) 922-3100 Florida is the most hurricane prone, densely populated state in America. In the aftermath of Andrew, we are chal- lenged to provide that citizens can continue to insure their homes and businesses against fire, theft, and wind damage at affordable costs. We are working to make sure that pro- perty owners can continue to obtain affordable, available insurance.