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Florida insurance reforms deliver relief as litigation drops and rates ease

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Florida has long been a national leader in many areas — and today it stands out for its remarkable progress in repairing a property insurance market that had been spiraling under the weight of excessive litigation and legal system abuse.

By taking decisive action to curb unnecessary lawsuits and restore fairness to its legal system, Florida stabilized its property insurance market and delivered real benefits to consumers.

The 2022–2023 reforms enacted by Gov. Ron DeSantis and the Legislature are driving down rates, providing premium relief, and expanding coverage options while preserving consumer protections.

This is a far cry from where Florida was just a few short years ago at the height of the state’s insurance crisis. More than a dozen companies had gone insolvent or stopped writing new policies, insurance rates were skyrocketing, and the state-run insurer of last resort, Citizens, had ballooned to more than 1.4 million policies.

Today, the Florida insurance market is experiencing strong growth and stability, and Floridians are benefiting from improved affordability. Seventeen new companies have entered the market to offer coverage since the reforms were passed. More competition in the marketplace means consumers have more options to shop around for the best policy at the best price.

Those market improvements are now translating directly into lower rates. Since November 2025, the Florida Office of Insurance Regulation (FLOIR) reports 73 rate-decrease filings and 94 filings requesting no increase. Three major homeowners’ insurers in Florida have recently decreased rates between five and eight percent. According to the FLOIR, the 30-day average homeowners insurance rate request is -2.3%, compared to -0.5% a year ago.

The Governor also recently announced that most Citizens policyholders statewide will receive a premium decrease, with an average statewide reduction of 8.7%. Policyholders in South Florida, which was once a hotbed of claims-related litigation, will see the largest reductions between 11% and 14%.

Auto insurance customers are experiencing similar benefits. In 2025, Florida’s top five auto insurers, which represent 78% of the state’s auto insurance market, decreased rates by an average of 6.5%.

Florida taxpayers also benefit from a reduced risk of statewide assessments now that Citizens’ policy count has dropped from a high of 1.42 million in October 2023 to 395,144 in January 2025 – a nearly 73% reduction and now its lowest level in 14 years.

Litigation trends are also dramatically improving as a direct result of the reforms. In 2019, Florida accounted for more than 76% of all homeowners’ insurance claims litigation nationwide, despite representing just 7% of all homeowners’ insurance claims filed. In the post-reform environment, personal insurance litigation filings fell for a second straight year, dropping 23% from 2023 to 2024 and another 25% in 2025.

Florida’s progress has not gone unnoticed. Other states, such as Georgia and Louisiana, have taken a page from Florida’s playbook and passed their own legal system abuse reforms in the last year.

To maintain Florida’s positive momentum, it is critical for lawmakers to remain committed to legal system abuse reforms, resist any rollback attempts, and allow the reforms to continue working.

If the legal system abuse reforms stand strong year after year, Florida will continue attracting insurers, strengthening competition, and delivering stability and improved affordability for policyholders across the state.

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David Sampson is president and CEO of the American Property Casualty Insurance Association. APCIA is the leading national trade association for home, auto, and business insurers.



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Florida initial unemployment claims show sharp spike for week ending Jan. 10

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As the busy holiday season gets further in the rearview mirror, new jobless claims in Florida are spiking significantly.

The U.S. Department of Labor (DOL) reports there were 6,827 unemployment filings in the Sunshine State for the week ending Jan. 10. That’s up substantially from the previous week’s figure of 4,205, a jump of 2,622 claims.

The latest report is the biggest increase in Florida in months. It’s also the first time there have been more than 6,000 claims since well before the holiday hiring rush, as stores prepared for the shopping season.

Florida’s increase in claims reflected the national picture. There were 330,684 new filings across the country last week. That’s a 10.7% jump from the previous week’s number.

But the national figure didn’t increase as much as DOL analysts expected. Economists projected an increase of 45,652 claims, or a 15.3% climb.

While the national numbers rose week to week, new claims are down from the same time last year. During the comparable week in 2025, there were 353,357 claims. The most recent report is a drop of 22,673 claims from a year ago.

Unemployment filings typically increase following the holidays as businesses no longer have an increased need for workers. But the news is still unwelcome for Florida, which saw steady declines in new jobless filings in the months leading up to the holidays.

FloridaCommerce, the state’s economic development bureau, reports the November general unemployment rate was 4.2%. That’s a jump of 0.3 percentage points over the September figure of 3.9%. The bureau didn’t have figures for October due to the federal government shutdown, which prevented employment data collection.

The December report is expected to be issued by the end of this month.



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Dr. Martin Luther King’s warnings seem more prescient than ever

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Dr. Martin Luther King Jr.’s words from his “Beyond Vietnam” speech still ring true.

“When machines and computers, profit motives, and property rights are considered more important than people,” he warned, “the giant triplets of racism, extreme materialism, and militarism are incapable of being conquered.”

Those words, delivered in 1967, still summarize today’s political moment. Instead of putting the lives of working Americans first, our leaders in Congress and the White House have prioritized advancing corporate profits and wealth concentration, slashing government programs meant to advance upward mobility, and deploying military forces across the country, increasing distrust and tension.

This historic regression corresponds with a recessionary environment for Black America in particular. That’s what my organization, the Joint Center, found in our report, “State of the Dream 2026: From Regression to Signs of a Black Recession.”

The economic landscape for Black Americans in 2026 is troubling, with unemployment rates signaling a potential recession. By December 2025, Black unemployment had reached 7.5% — a stark contrast to the national rate of 4.4%. This disparity highlights the persistent economic inequalities faced by Black communities, which have only been exacerbated by policy shifts that have weakened the labor market. The volatility in Black youth unemployment, which fluctuated dramatically in the latter months of 2025, underscores the precariousness of the situation.

The Donald Trump administration’s executive orders have systematically dismantled structures aimed at promoting racial equality. By targeting programs such as Lyndon Johnson’s 1965 Equal Employment Opportunity executive order and defunding agencies like the Minority Business Development Agency, the administration has shifted federal support away from disadvantaged businesses.

As a result, Black-owned firms risk losing contracts and resources tied to federal programs, potentially resulting in job losses and reduced economic growth. These changes threaten billions in federal revenue for Black-owned firms and undermine efforts to move beyond racial inequality in the workforce.

The GOP’s so-called “Big Beautiful Bill,” passed in 2025, further entrenches inequality by providing tax cuts that disproportionately benefit high-income households and corporations — while simultaneously slashing investments in programs like Medicaid and SNAP, limiting access to essential services for low-income households.

The technology sector, a critical component of the American economy, is also affected by this disregard for civil rights. Executive orders like “Removing Barriers to American Leadership in Artificial Intelligence” have stripped away protections that could advance inclusion in this rapidly growing field. As a result, the future of the American economy risks reinforcing past inequalities.

Dr. King’s call for strong, aggressive federal leadership in addressing racial inequality remains highly relevant. However, instead of eradicating structures of inequality, our current leadership is implementing policies that destroy government jobs and dismantle agencies responsible for preventing predatory economic practices. These choices undermine longstanding efforts to combat racial and economic disparities — and exemplify the regressive economic policies that coincide with rising Black unemployment.

As Dr. King stated, “we refuse to believe that the bank of justice is bankrupt.” But urgent action is required. Unless we act deliberately, economic and racial inequalities will become entrenched, resulting in generational loss. The core question is whether we will move beyond our nation’s history of racism, materialism, and militarism, and — as Dr. King urged — embrace “the fierce urgency now” to advance equity.

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This article is republished from OtherWords, a free editorial service published by the Institute for Policy Studies. Reposted by the Florida Phoenix. Florida Phoenix is part of States Newsroom, a nonprofit news network supported by grants and a coalition of donors as a 501c(3) public charity. Florida Phoenix maintains editorial independence. Contact Editor Michael Moline for questions: [email protected].



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Johanna López gains quick fundraising advantage in Orange County Commission race

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Since jumping into the race for Orange County Commission, Democratic Rep. Johanna López has quickly built up a fundraising advantage ahead of the August election, according to her campaign.

López entered the race with $35,000 in cash after announcing her candidacy shortly after the new year. Sitting lawmakers are barred from raising money while the Legislature is meeting, but her campaign says she raised $35,000 in the eight days between her campaign announcement and the start of the 2026 Session.

López raised that money through her campaign account and via two political committees, Friends of Johanna López and Pa’lante Together. More details on those funds will be available by April 10, the campaign finance reporting deadline for the first quarter of 2026.

“She becomes the highest-fundraising candidate for the Orange County Commission in 2026, by far,” her campaign said recently in a press release. “With overwhelming grassroots support and a commanding early financial advantage, the López campaign enters the race with strong momentum.”

“This outpouring of support is incredibly humbling,” López added in a statement. “I’m deeply grateful to everyone who believes in our vision for Orange County. From day one, this campaign has been powered by people who want leadership that puts working families and our communities first, and I’m honored to earn their trust.”

On Jan. 6, López announced she was not running for re-election for House District 43 and instead would run in the nonpartisan contest for Orange County Commission’s District 4. The only other candidate running in District 4 is telecommunications professional Brian Jones.

District 4 covers an eastern part of Orange County, including the Union Park, Rio Pinar and Alafaya neighborhoods.

López also endorsed Orange County Democratic Chair Samuel Vilchez Santiago, who is running for her House seat.

López is one of several politicians who have won statewide office before and are now turning their sights on the county level.

Former Sen. Victor Torres is up for Orange County District 8 in August, while former Sen. Linda Stewart is running for Orange County’s District 3 in 2028.

Central Florida is undergoing a political transformation to replace several key leaders, including Orlando Mayor Buddy Dyer and Orange County Mayor Jerry Demings.



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