Proof that costs are coming down, reforms working
Florida homeowners insurance rates continued their decline in 2024, ending the year with a net industry average decrease for the first time in two years. The Office of Insurance Regulation (OIR) fourth …
Plus, another Noland’s Roofing AOB loss
A Florida appeals court reaffirms that the bad-faith litigation reform law cannot be applied retroactively, a Citizens water leak claim provides clarification on constant or repeated seepage rules, plus the Fifth District Court of …
Improved maps – and accuracy
The National Hurricane Center (NHC) has announced a few new changes to their forecast models for the upcoming 2025 hurricane season that begins June 1. They include a smaller and more accurate “cone of uncertainty,” …
Plus, a proposed alternative to workers’ comp
Citizens Property Insurance continues its streak of handing-off policies to the private market, regulators reveal changes to Florida’s storm mitigation discount credits, plus an alternative to workers’ compensation insurance may be offered Florida …
Recap of Week 2 & Preview of Week 3 of Session

By week’s end, we’ll be a third of the way through the Florida Legislature’s nine-week session. Given that the pre-session committees heard very few bills, lawmakers are rushing to …
A rush to judgement?
Many readers said they saw me on television during this past Friday’s (March 14) 8am meeting of the Florida House Insurance and Banking Subcommittee. I intentionally sat in that chair not to be on camera but …
Exploring the role of MGAs
Given the Tampa Bay Times article and the many questions it’s raised surrounding Florida insurance companies and the role that Managing General Agents (MGAs) play in their operation, I sat down with a veteran Florida …
Separating fact from sensationalism
If you haven’t read the February 22 article from the Tampa Bay Times, it’s worth reviewing. Titled Florida insurance companies steered money to investors while claiming losses, study says, the article presents a narrative …
This is a special edition of our LMA Newsletter, devoted to the topic of the ongoing misrepresentation of Florida’s property insurance companies. It started in late February with the Tampa Bay Times story that Florida companies “diverted” billions of dollars …
On Florida’s East Coast, Martin County has found a unique way to support displaced members of the community after intense damage from Hurricane Milton’s tornadoes. The non-profits “Project Lift” and “Save our Salerno” have enlisted the …