The new chief of Florida’s policyholder-backed property insurer Citizens Property Insurance offered no magic bullet to depopulate the insurer, but promised the insurer will charge higher rates for less coverage in order to encourage customers to buy elsewhere. Newly-appointed Citizens President Barry Gilway offered the first glimpse into his thinking in remarks before Gov. Rick Scott and other Cabinet members. Gilway, noting that he has only been on the job for one week, said he believes that while Citizens faces complex problems, it has the ability to come up with solutions.