Roofers challenging the law
Last year’s property insurance reform law under SB 76 targets the causes of the repeated double-digit rate hikes that homeowners and others are suffering. There are two ongoing legal challenges to the law in federal court …
Third-parties driving claims severity
The need for further legislative reforms in Florida’s property insurance market was on full display this past Friday at a public rate hearing where three companies proposed rate increases from 26% to 111%. All three companies’ …
Recap of Week 2 & Preview of Week 3 of Session

The Florida Legislature today begins the third week of its scheduled nine-week session with some good news: the latest state revenue estimates released this past Friday show $4 billion …
In last week’s newsletter we talked about “The Great Resignation” by workers in this country and just this past week Senator Jeff Brandes held hearings where several state agencies reported their struggles to fill vacant positions. Many openings involve direct …
The “Great Resignation”, as some in the sphere of economics have dubbed it, refers to the record rates at which employees are quitting their jobs, including here in Florida. Per the U.S. Bureau of Labor Statistics (BLS), their newly published …
Failed to follow hurricane plan
One of the most startling images from 2020 was the damage created by several runaway barges in Pensacola Bay during the height of Hurricane Sally. The barges damaged the under construction Pensacola Bay Bridge, along …
Flood costs by zip codes; new form
FEMA has released a new Risk Rating 2.0 interactive map, coupled with a zip code lookup that includes data for existing single-family homes and all existing National Flood Insurance Program policies, as it …
Plus the two-party AOB check
The Florida Supreme Court issued an opinion earlier this month that some believe will discourage the pursuit and awarding of punitive damages in Florida’s trial courts. While in South Florida, an appeals court has shown …
Plus new consumer ads
In an effort to reduce its exposure to potential fraud and litigation abuse, Citizens Property Insurance Corporation this month began its new program to increase the number of home inspections on new and renewal policies. The …
Newest filings for up to 111% increases
The New Year is bringing a new round of homeowners insurance rate filings and this week there will be three companies – with proposed rate increases from 26% to 111% – that will …