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<SEC-DOCUMENT>0001193125-09-212614.txt : 20091217
<SEC-HEADER>0001193125-09-212614.hdr.sgml : 20091217
<ACCEPTANCE-DATETIME>20091023123716
<PRIVATE-TO-PUBLIC>
ACCESSION NUMBER:		0001193125-09-212614
CONFORMED SUBMISSION TYPE:	CORRESP
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20091023

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Homeowners Choice, Inc.
		CENTRAL INDEX KEY:			0001400810
		STANDARD INDUSTRIAL CLASSIFICATION:	FIRE, MARINE & CASUALTY INSURANCE [6331]
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			FL
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		CORRESP

	BUSINESS ADDRESS:	
		STREET 1:		2340 DREW STREET
		STREET 2:		SUITE 200
		CITY:			CLEARWATER
		STATE:			FL
		ZIP:			33765
		BUSINESS PHONE:		727-213-3600

	MAIL ADDRESS:	
		STREET 1:		2340 DREW STREET
		STREET 2:		SUITE 200
		CITY:			CLEARWATER
		STATE:			FL
		ZIP:			33765
</SEC-HEADER>
<DOCUMENT>
<TYPE>CORRESP
<SEQUENCE>1
<FILENAME>filename1.htm
<TEXT>
<HTML><HEAD>
<TITLE>Rosenberg Letter</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%">

<IMG SRC="g71957g21c18.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">October&nbsp;23, 2009 </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Jim B. Rosenberg, Senior Assistant Chief Accountant </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">United States Securities and Exchange
Commission </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Washington, D.C. 20549 </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">RE:</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Homeowners Choice, Inc. - File No.&nbsp;001-34126 </FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Form 10-K for the Year Ended December&nbsp;31, 2008 </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Form 10-Q for the Period
Ended June&nbsp;30, 2009 </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Dear Mr.&nbsp;Rosenberg: </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">We are writing in response to additional comments we received from SEC Staff Accountant Tabitha Akins following the SEC&#146;s review of our letter dated September&nbsp;30, 2009. We received such
additional comments during our October&nbsp;15, 2009 telephone conversation with Ms.&nbsp;Akins. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">With respect to our previous
responses to the SEC&#146;s prior comment #2 from your letter dated September&nbsp;9, 2009 and verbal comments we received from Ms.&nbsp;Akins on September&nbsp;23, 2009, you have requested that we further elaborate on our explanation by
specifically identifying the factors that are attributable to the decrease in our reserves relating to prior years. Thus, we have updated our previously proposed disclosures and propose that, beginning with the filing of our Form 10-Q for the period
ended September&nbsp;30, 2009, we will identify the factors that are attributable to any increase or decrease in our reserves relating to prior years. Assuming our reserves related to 2008 and 2007 continue to be favorable at September&nbsp;30,
2009, our Form 10-Q for the period ended September&nbsp;30, 2009 will include information in the general format shown below, which includes our prior proposed disclosure: </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">&#147;Our Losses and Loss Adjustment Expenses amounted to $xx.x million and $xx.x million, respectively, during the nine months ended September&nbsp;30, 2009 and 2008.&nbsp;The $xx.x million increase
during 2009 is primarily attributable to the increased claim activity resulting from the increase in policies in force.&nbsp;Our policies in force grew from approximately 20,000 as of September&nbsp;30, 2008 to approximately 53,000 as of
September&nbsp;30, 2009 as a result of the October and December 2008 assumption transactions.</FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Our losses and loss adjustment
expense reserves (&#147;Reserves&#148;), which are more fully described below under &#147;Critical Accounting Policies and Estimates,&#148; are specific to homeowners insurance, which is our only line of business.&nbsp;These Reserves include both
case reserves on reported claims and our reserves for incurred but not reported (&#147;IBNR&#148;) losses.&nbsp;At each period-end date, the balance of our Reserves is based on our best estimate of the ultimate cost of each claim for those known
cases and the IBNR loss reserves are estimated based primarily on our historical experience.&nbsp;Our Reserves increased from $xx.x million at December&nbsp;31, 2008 to $xx.x million at September&nbsp;30, 2009.&nbsp;The $xx.x million increase in our
Reserves during 2009 is comprised of a $xx.x million increase specific to the nine months ended September&nbsp;30, 2009 offset by a reduction of $xx.x million and $xx.x million in our Reserves for 2008 and 2007, respectively.&nbsp;The $xx.x million
increase in our Reserves for 2009 claims is due to the increase in our policy volume, which resulted in an increase in the amount of reported losses in 2009 and caused us to strengthen our Reserves </FONT></P>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">United States Securities and Exchange Commission </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">October 23, 2009 </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Page 2 </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">for 2009 cases.&nbsp;The decrease of $xx.x million specific to our 2008 and 2007 Reserves is due to
favorable development arising from lower than expected losses during 2009 relative to expectations used to establish our Reserve estimates at the end of 2008.&nbsp;Factors that are attributable to this favorable development may include a lower
severity of claims than the severity of claims considered in establishing our Reserves and, additionally, actual case development may be more favorable than anticipated.&#148; </FONT></P> <P
STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We look forward to your response to our proposed changes to be reflected in our future filings with the Securities and Exchange Commission
as outlined above. Further, we acknowledge that: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">the company is responsible for the adequacy and accuracy of the disclosure in the filings; </FONT></P></TD></TR></TABLE> <P
STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">staff comments or changes to disclosure in response to staff comments do not foreclose the Commission from taking any action with respect to the
filings; and </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">the company may not assert staff comments as a defense in any proceeding initiated by the Commission or any person under the federal securities laws of
the United States. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Please feel free to contact me at 727-213-3675 should you have questions or need
additional information. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0">

<TR>
<TD WIDTH="100%"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Sincerely,</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">HOMEOWNERS CHOICE, INC.</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ Richard R. Allen</FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Richard R. Allen</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Chief Financial Officer</FONT></TD></TR>
</TABLE>
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`
end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----
