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Florida’s insurance crossroads — a warning we can’t ignore

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Florida is potentially on the verge of an insurance disaster, and lawmakers could be about to push us over the edge.

Aren’t we all tired of the endless, circular battle between plaintiff attorneys, insurers and consumers? The same arguments, the same blame game — year after year, decade after decade — while homeowners are left wondering why their rates keep rising and their choices keep shrinking.

Now that battle has reached a breaking point. If lawmakers succeed in unraveling the critical insurance reforms passed in 2022, Florida could return to the crisis that sent rates skyrocketing, bankrupted insurers, and left homeowners with fewer and fewer options.

This isn’t speculation — we have very recent history as our guide.

It’s exactly what happened between 2017 and 2022 when rampant litigation and fraudulent claims destabilized the market and sent over a dozen insurance companies into insolvency. The 2022 reforms stopped the bleeding, restored reinsurer confidence, and put Florida back on a path toward sustainability.

Now, those hard-fought gains are under attack. More than 700 pages of proposed legislation are moving through Tallahassee, many backed by the trial bar, attempting to undo those reforms and reignite the cycle of legal abuse that nearly destroyed the industry. If these bills pass, Florida will return to an insurance nightmare — except this time, there will be no way back.

Florida’s insurance market is at risk

Before the 2022 reforms, Florida accounted for nearly 80% of the nation’s homeowner insurance lawsuits while representing only 9% of total claims. This was no accident — it was a deliberate legal assault that siphoned billions from the system, forcing insurers into bankruptcy and leaving homeowners with premium hikes and policy non-renewals.

The Florida Legislature acted in 2022 to stop this crisis by eliminating lawsuit loopholes that allowed excessive legal fees, curbing fraudulent claims that drove up costs for everyone, and stabilizing the market so insurers could remain in Florida.

The results? Insurer failures slowed, reinsurance prices stabilized, and for the first time in years, premiums are beginning to come down.

Now, certain lawmakers — under pressure from the trial bar — are trying to reverse these reforms.

These bills are not about protecting consumers. They are designed to bring back a litigation model that allowed attorneys to collect billions in fees — at the expense of every Florida homeowner.

Fast forward to 2027: The insurance market collapse

If lawmakers dismantle the 2022 reforms, the results won’t be theoretical — they will be catastrophic.

In 2027, a Category 4 hurricane barrels into Florida’s west coast. Storm surge devastates entire neighborhoods, leaving thousands of homes in ruins. Families return to their property, desperate to begin rebuilding.

But when they call their insurers, they find nothing but dead ends. The private market is gone, and Florida now has only one option left: a bloated, bureaucratic, state-run insurer.

Anyone can see how this will unfold — we have a perfect example in the federally controlled flood program, the National Flood Insurance Program (NFIP), which is disastrously underfunded each year and calamitously teeters in paying claims.

Claims that once took weeks now drag on for months — or even years. Premiums have doubled or tripled with no competition to keep rates in check, and homeowners who never filed a claim are still paying thousands in additional assessments to cover the government insurer’s losses.

With no private insurers left, plaintiff attorneys who thrived on excessive lawsuits now have only one target to sue: the state-run insurer.

And when that entity goes insolvent? The government raises taxes and assessments on every Florida homeowner.

Meanwhile, Florida’s housing market is in free fall. High insurance premiums have pushed families out of homeownership, driven property values down, and made real estate investment nearly impossible.

And it all happened because, in 2025, lawmakers made the wrong choice.

We cannot allow this to happen

This is not a doomsday prediction — it’s exactly what will happen if lawmakers choose to undo the 2022 reforms.

A functioning insurance market requires balance. Insurers must be allowed to make a fair profit – if they cannot, they will leave the state. Likewise, homeowners must have access to affordable, reliable coverage – the only way to achieve that is through a free enterprise competitive market.

And finally, plaintiff attorneys must hold bad actors accountable — without exploiting loopholes that destabilize the system.

If proposed bills pass, Florida’s future is already written. Homeowners will pay double or triple their current rates — if they can find coverage at all. A single, inefficient, government-run insurer will handle every claim — poorly.

Assessments and taxes will skyrocket, forcing every homeowner to subsidize the state’s financial failures and ultimately, the real estate market will crumble, making Florida an unaffordable place to live.

Reinsurers are watching — and homeowners will pay the price

The 2022 reforms stabilized Florida’s market, giving insurers and their global reinsurers the confidence to continue providing coverage in this high-risk state.

Because of these reforms, rates are finally beginning to come down. For the first time in seven years, reinsurers are poised to lower their costs during the June 1 renewals, and new insurers are entering the Florida market, increasing competition and lowering insurance premiums.

When legislators finally acted in late 2022, it was understood that pulling out of this nosedive would take three to five years. This time frame was critical to reverse years of damage caused by rampant frivolous lawsuits that crippled Florida’s property insurance industry.

We are only halfway there.

But all of this progress is at risk. If Florida sends the message that it is returning to an unstable, litigation-driven system, reinsurers will respond immediately — by increasing their rates. Those costs will be passed directly to insurers, who will be forced to pass them on to homeowners.

Instead of premiums continuing to drop, they will surge again — erasing all the progress made over the last three years.

A call to action: Stop these bills before it’s too late

Make no mistake — this is an absolute watershed moment, and lawmakers must not allow Florida to go back to the chaos of 2017–22.

What can you do? Call your state Representatives and demand they protect the 2022 reforms. Reject the misinformation from trial lawyers and hold politicians accountable.

Demand that journalists report the facts — not manufactured outrage.

And finally, educate your neighbors and business leaders on why a functioning private insurance market is critical to Florida’s economy.

The path ahead is clear — we either preserve a competitive insurance market that keeps rates fair, claims moving and insurers in Florida … or we let reckless legislation destroy everything we’ve built.

If we act now, we can stop this disaster before it starts.

But if we wait?

By the time Floridians wake up to the consequences, it will be too late.

___

Dennis P. Gagnon, Jr., founded Affordable Home Insurance (AHI) in 2006, one of the leading independent insurance firms in northwest Florida. Gagnon also serves as its president. The firm has office locations in Miramar Beach and Panama City.


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Senate works to avert partial government shutdown ahead of midnight deadline

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The Senate finds itself on Friday in a familiar position, working to avoid a partial government shutdown with just hours to spare as Democrats confront two painful options: allowing passage of a bill they believe gives President Donald Trump vast discretion on spending decisions or voting no and letting a funding lapse ensue.

Senate Democratic Leader Chuck Schumer gave members of his caucus days to vent their frustration about the options before them, but late Thursday made clear he will not allow a government shutdown. His move gives Democrats room to side with Republicans and allow the continuing resolution, often described as a CR, to come up for a vote as soon as Friday.

A procedural vote Friday will provide a first test of whether the package has the 60 votes needed to advance, ahead of final voting likely later in the day. At least eight Democrats will need to join with Republicans to move the funding package forward.

“While the CR still is very bad, the potential for a shutdown has consequences for America that are much, much worse,” Schumer said.

Congress has been unable to pass the annual appropriations bills designed to fund the government, so they’ve resorted to passing short-term extensions instead. The legislation before the Senate marks the third such continuing resolution for the current fiscal year, now nearly half over.

The legislation would fund the federal government through the end of September. It would trim non-defense spending by about $13 billion from the previous year and increase defense spending by about $6 billion, which are marginal changes when talking about a topline spending level of nearly $1.7 trillion.

The Republican-led House passed the spending bill on Tuesday and then adjourned. The move left senators with a decision to either take it or leave it. And while Democrats have been pushing for a vote on a fourth short-term extension, GOP leadership made clear that option was a non-starter.

Senate Majority Leader John Thune, a South Dakota Republicam, and others used their floor time Thursday to make the case that any blame for a shutdown would fall squarely on Democrats.

“Democrats need to decide if they’re going to support funding legislation that came over from the House, or if they’re going to shut down the government,” Thune said when opening the chamber.

Progressive groups urged Democratic lawmakers to insist on the 30-day extension and oppose the spending bill, saying “business as usual must not continue” while Trump and ally Elon Musk dismantle critical agencies and programs.

But Schumer said Trump would seize more power during a shutdown, because it would give the administration the ability to deem whole agencies, programs and personnel non-essential, furloughing staff with no promise they would ever be rehired.

“A shutdown would give Donald Trump the keys to the city, the state and the country,” Schumer said.

Democrats have been critical of the funding levels in the bill. They note that both defense and non-defense spending is lower than what was agreed to nearly two years ago when Congress passed legislation lifting the debt ceiling in return for spending restraints.

But they are even more worried about the discretion the bill gives the Trump administration on spending decisions. Many Democrats are referring to the measure as a “blank check” for Trump.

Spending bills typically come with specific funding directives for key programs, but hundreds of those directives fall away under the continuing resolution passed by the House. So the administration will have more leeway to decide where the money goes.

For example, a Democratic memo said the bill would allow the administration to steer money away from combating fentanyl and instead use it on mass deportation initiatives. At the Army Corps of Engineers, funding levels for more than 1,000 projects to enhance commerce, flood control and healthy ecosystems would be determined by the administration rather than Congress.

Democrats also object to the treatment of the District of Columbia, as the bill effectively repeals its current year budget and forces it to go back to the prior year’s levels, even though the district raises most of its own money. Mayor Muriel Bowser said the district would have to cut spending by $1.1 billion over just a few months.

Democrats also object to clawing back $20 billion in special IRS funding, on top of the $20 billion rescission approved the year before. The changes essentially cut in half the funding boost that Congress intended to give the agency through legislation passed by Democrats during Joe Biden’s presidency.

The spending bill before the Senate is separate from the GOP effort to extend tax cuts for individuals passed in Trump’s first term and to pay for those with spending cuts elsewhere in the budget.

That second package will be developed in the months ahead, but it was clearly part of the political calculus Democrats were considering as they argued against the six-month extension. Both efforts are designed to help the well-off at the expense of other Americans, they said.

“You’re looking at a one-two punch, a very bad CR, then a reconciliation bill coming down, which will be the final kick in the teeth for the American people,” said Sen. Bernie Sanders, a Vermont independent.

Sen. Tom Cotton, an Arkansas Republican., said the Democratic arguments were hypocritical because they were essentially calling for shutting down the government to protect the government.

“Democrats are fighting to withhold the paychecks of air traffic controllers, our troops, federal custodial staff,” Cotton said. “They can’t be serious.”

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Republished with permission of The Associated Press.



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The equation to Florida’s successful economic future includes addressing chronic absenteeism and supporting rural schools

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Florida’s future workforce depends on a strong foundation in K-12 math. As industries evolve and technology reshapes the job market, math proficiency is no longer optional — it’s imperative. Yet, 2024 annual data from the Florida Department of Education reveals that more than 128,600 students in grades 10 -12 in Florida are testing as “not proficient” in math. If this trend continues, Florida risks falling behind in its goal of becoming a top 10 global economy by 2030, as outlined in the Florida Chamber Foundation’s Florida 2030 Blueprint.

Florida’s 8th grade math proficiency has risen to 65% in recent years, but it still falls short of the 100% goal outlined in the Florida 2030 Blueprint, as shown on TheFloridaScorecard.org.

The Florida Chamber Foundation’s new research report, Math Matters: Bridging Gaps for Florida’s Future Workforce highlights this challenge and provides a roadmap for business leaders and policymakers to act. The research shows that a modest 10-percentage-point increase in 8th graders math proficiency would mean 27,000 more Florida students entering high school each year with strong foundational math skills — students who are better positioned to take advanced math courses in high school, and eventually successfully transition into college, workforce training, and high-demand career fields.

The Math Gap: A Roadblock to Economic Growth

Math proficiency isn’t just about passing tests — business leaders know it’s about building the problem-solving and analytical skills that power innovation and economic growth. Students who struggle with math may encounter further difficulties in postsecondary and/or workforce education, limiting their career options and creating long-term talent shortages in Florida’s key industries. The Florida Chamber Foundation’s guide on Top 30 High-Demand Careers (2032) shows that STEM careers and careers that rely on math skills are in-demand now and will be in the near future.

One pressing challenge is chronic absenteeism. When students miss school regularly, they fall behind in math and often never catch up. Addressing absenteeism through targeted interventions, like those recently deployed in Volusia County’s chronic absenteeism initiative, can help students stay on track and prevent learning gaps from widening.

“Ensuring every student has consistent access to education is paramount to their success and the future of Florida’s workforce. Volusia County’s targeted efforts to address chronic absenteeism are making a real difference, providing students with the support they need to stay engaged in the classroom and on track for success.”

—Rep. Chase Tramont, Volusia County

Further, rural schools are disproportionately represented among the bottom performing quartile in math proficiency. Rural school districts comprise 46% of all Florida school districts but represent 71% of the bottom quartile in math proficiency.

Investing in Early Intervention and Data-Driven Solutions

Business leaders and policymakers have a unique opportunity to drive change. The passage of House Bill 1361 (2024), which enhances the New Worlds Learning Initiative to provide resources improve early math achievement, is an important step to helping students early in their educational career. This initiative will help ensure that by the time  students reach middle and high school, they are prepared to advance through courses like Algebra 1 and Geometry. However, more could be done to make certain students stay on track as they progress through middle and high school.

Expanding access to early intervention programs, increasing support for teachers, and fostering business-education partnerships can make a significant difference. Additionally, better access to education data is fundamental. Research-driven strategies, enabled by expanded data-sharing mechanisms, can pinpoint the most effective solutions and scale them statewide.

A Call to Action: How Business Leaders Can Help

The business community has a vested interest in ensuring today’s students are ready for tomorrow’s workforce. Employers can join the movement by supporting initiatives such as math-focused internships, mentoring programs, and scholarships for students pursuing math-intensive fields. Investing in math education is not just a philanthropic effort—it’s an economic imperative.

Florida is at a turning point. The state has the potential to lead the nation in workforce development and economic innovation, but that future hinges on closing the math proficiency gap today. If we fail to act, we risk leaving thousands of students unprepared and businesses without the skilled workforce they need to thrive.

___

Florida Chamber Foundation Vice President Dr. Keith Richard can be contacted at [email protected]. Click here to read the full research report that informed this op-ed.


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Rick Scott, Maria Elvira Salazar want schools to teach evils of communism

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Republicans in Congress want to return education to the states and jettison the U.S. Department of Education. But they still want to ensure students get ideological education.

U.S. Sen. Rick Scott announced that he’s on board with the Crucial Communism Teaching Act, along with U.S. Sens. John Kennedy of Louisiana and Eric Schmitt of Missouri.

Scott isn’t the only Florida Republican backing this legislation. U.S. Rep. Maria Elvira Salazar is carrying the House version.

The bill would give students nationwide a version of the anti-communist curriculum that Florida students enjoy. The measure would make sure students know that more than 100 million people have died at the hands of communist regimes, while 1.5 billion still live under them.

The Victims of Communism Memorial Foundation would be charged with developing the curriculum, which will contrast “freedom and patriotism” with “communism and totalitarianism.” The lessons, per the bill, would be “compatible with a variety of courses, including social studies, government, history, and economics classes.”

“For families across America, particularly many in Florida, America shines as a beacon of freedom and democracy, standing in stark contrast to the communist regimes that once stripped them of their basic freedoms and liberties. For decades, the left has worked to promote failed socialist and communist ideologies that go against the very values we and President Donald Trump are fighting so hard to protect,” Scott said.

Salazar’s bill passed the House last year, so odds are good it has a shot of doing so again, and so “will ensure future generations will remember the pain and suffering caused by the brutal communist ideology,” as she said last December.

Florida’s “History of Communism” law was passed with overwhelming bipartisan support last year.

Students in traditional public and charter K-12 schools are on track to receive instruction on the history of communism beginning in the 2026-27 academic year in what is billed as an age-appropriate and developmentally appropriate way.


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