LMA NEWSLETTER September 22, 2025

Answering the Property Insurance Claims

Two weeks from today, Florida lawmakers return for two back-to-back weeks of committee meetings, part of the 2026 legislative session that begins on January 13.  We know there will be another attempt to roll back the 2022 & 2023 insurance consumer protection and litigation reforms that have proven so critical to Florida’s recovering property insurance …

Florida Attorney General Sues Roofer for Deceiving Customers

Plus, more new property insurance companies join the Florida market

A roofing company and its owner are in trouble with Florida’s Attorney General for allegedly violating a series of recent legislatively-created insurance consumer protection reforms; a lawyer in the know outlines how to avoid rip-offs, litigation and construction delays in hurricane rebuilding; Florida welcomes another …

Citizens’ Litigation Rate Down 34%

New challenges to its alternative dispute resolution program

When the Citizens Property Insurance Board of Governors meets this Wednesday (September 24, 2025), it will receive some welcome news: litigation has dropped by more than one-third so far this year over last, and along with it, litigation costs, which find their way into rates.  Citizens staff …

Surfside Condo Collapse Probe Update

Likely that pool deck took the building down with it

Years after the tragic 2021 Surfside condo collapse that killed 98 people, a new report from the National Institute of Standards and Technology (NIST) is reinforcing preliminary findings (and videos) that the catastrophic failure likely started in the adjacent pool deck – not in …

Rates Rising, Enhanced Tax Credits Expiring on Obamacare Plans

Plus, the huge increase in mental health leaves

Healthcare costs are set to double for millions across Florida in 2026, looming elimination of enhanced premium federal tax credits puts Florida families in jeopardy of losing their health coverage, and mental health leaves are up 300% since the COVID-19 pandemic.  It’s all in this week’s Healthcare

Why Are We in a Hurricane Lull?

A new report on storm risk & construction costs

Signs show our lazy 2025 hurricane season won’t last, one in four homes in the U.S. are at risk from extreme weather, and tariffs are raising home construction prices across Florida.  It’s all in this week’s Environmental and Engineering Digest.

A Sleepy 2025 Season: No …

Fort Lauderdale Needs $1.6 Billion to Fix Flood Problems

Reinsurers weigh-in on federal flood insurance changes

Fort Lauderdale will need $1.6 billion to stave off future floods, FEMA’s new flood maps include parts of Clearwater for the first time, and reinsurers meet with the FEMA Review Council in pursuit of reforming the National Flood Insurance Program (NFIP).  It’s all in this week’s Flood Digest

Going the Wrong Way

An alarming trend has revealed itself on Florida highways in recent months, especially in the Tampa Bay area: a large uptick in wrong-way crashes.  Reports of drivers heading the wrong way have become more frequent on most major roadways including I-4 and I-75, and the resulting head-on collisions are much more deadly.  Fatal wrong-way crashes …