The Financial Services Commission believes adopting an emergency rule is the fairest method to protect the public because of the inability of the residents in Florida to obtain affordable residential property insurance, and because implementation without exception of the pending reforms to Florida’s insurance code are essential to resolution of the existing crisis. This procedure is fair as insurers are keenly aware of the nature of the insurance crisis and participated in the development of the legislation which this emergency rule is intended to support. The limited emergency measures provide the least intrusive means to protect a compelling public interest and, because resolution of the existing crisis benefits not only insureds but insurers as well, the limited emergency action undertaken herein will not unfairly affect the ability of insurers to conduct business in Florida. In consideration of the emergency conditions currently existing, and given the Office’s responsibility to protect the public interest and implement the Insurance Code, an emergency rule is necessary.