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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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Last Call for 3.13.25 – A prime-time read of what’s going down in Florida

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Last Call – A prime-time read of what’s going down in Florida politics.

First Shot

Central Florida homeless advocates say a new law is making it harder to understand the gravity of the homeless situation while they also grapple with public outcry over building a new shelter in Orlando.

In 2024, the Legislature passed a measure (HB 1365) banning cities and communities from allowing people to camp or sleep in public places. 

“Based on what we’ve already seen, people are definitely hiding more,” said community leader Martha Are during a League of Women Voters of Orange County meeting. “People are less visible. The numbers are not necessarily going down, but if you can’t find people when you’re doing the counts, then it can appear that the numbers have gone down.”

Are is the CEO of the Central Florida Commission on Homelessness and the Homeless Services Network of Central Florida.

Gov. Ron DeSantis, who pushed for the ban that went into effect in January, said, “It’s not criminalizing homelessness. What they’re saying is you don’t have a right to just sleep in front of somebody’s business or you don’t have a right to just take over a street and put an encampment down.”

Critics call it an unfunded mandate and say it doesn’t solve the root of the homelessness dilemma. 

Read more on Florida Politics.

Evening Reads

—“15 lessons scientists learned about us when the world stood still” via Claire Cain Miller and Irineo Cabreros of The New York Times

—“Judge orders Donald Trump officials to offer jobs back to fired probationary workers” via Salvador Rizzo of The Washington Post

—“We hear you, Mr. President’: The world lines up to buy American gas” via Max Bearak, Rebecca F. Elliott and Brad Plumer of The New York Times

—“Should Democrats let the government shut down?” via Christian Paz of Vox

—“Gutting the Department of Education is as cruel as it is stupid” via Nikki McCann Ramirez and Ryan Bort of Rolling Stone

—“Elon Musk looks desperate” via Charlie Wiezel of The Atlantic

—“Trump ramps up E.U. trade war with tariff threat on champagne, wine” via Kim Mackrael, Gavin Bade and Anthony DeBarros of The Wall Street Journal

—“Trump travel ban: ‘no exceptions’ for Cubans, Venezuelans. Other islands may join Haiti on list” via Nora Gamez Torres and Jacqueline Charles of the Miami Herald

—“Florida vaccine skeptic out as proposed CDC director amid measles outbreak” via Steven Lemongello of the Orlando Sentinel 

Tampa Bay Rays won’t move forward with stadium deal” via Janelle Irwin Taylor of Florida Politics

Quote of the Day

“They can’t even find enough to arrest me just ran their mouth like circus clowns”

Andrew Tate, taunting the Governor and Attorney General.

Put it on the Tab

Look to your left, then look to your right. If you see one of these people at your happy hour haunt, flag down the bartender and put one of these on your tab. Recipes included, just in case the Cocktail Codex fell into the well.

Pour Dave Weldon a Better Luck Tomorrow now that he’s officially out of the running for CDC director.

U.S. Rep. Byron Donalds gets a Turning Point for landing an endorsement from Charlie Kirk.

Breakthrough Insights

Tune In

Selection Sunday approaches this weekend.

The field for the NCAA Tournament will be set and college basketball fans can begin filling out their brackets after the announcement on Sunday (6 p.m. ET, CBS).

Of the 68 spots in the field, 31 will come from automatic bids awarded to conference tournament champions. The other 37 spots will be assigned by the NCAA men’s basketball selection committee, whose task is to identify the best teams in the country, seed them, and place them in their regions.

The Florida Gators could earn a #1 seed after a remarkable campaign. Florida (27-4 in the regular season) finished second in the Southeastern Conference standings behind another probably top seed, Auburn. Any wins in the SEC tournament by Florida can only help their cause. The Gators will play the winner of Thursday’s Mississippi State-Missouri game in the quarterfinals on Friday.

Other candidates for #1 seeds include Duke, Houston, Alabama and Tennessee, although it would be surprising for any conference to be awarded three #1 seeds. It happened in 2019 when Virginia, Duke, and North Carolina were all #1 seeds from the ACC.

Three of college basketball’s blue bloods have struggled and could be on the bubble. ESPN’s Bracketology lists North Carolina as the last team in. Two-time defending national champions Connecticut will likely make it in but are projected as an eight-seed. Kansas will almost certainly make the tournament but will likely have the program’s lowest seed since 2000. The Jayhawks have been a four-seed or better in the last 23 tournaments. They are projected as a six-seed.

___

Last Call is published by Peter Schorsch, assembled and edited by Phil Ammann and Drew Wilson, with contributions from the staff of Florida Politics.


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Andrew Tate taunts silent Ron DeSantis, James Uthmeier

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The most controversial figure in kickboxing history continues to jab at Florida’s Governor and the Attorney General he recently appointed.

“Why hasn’t Ron or his homosexual AG arrested me yet? Struggling to find probable cause? Ran your mouth like clowns but can’t do anything? Uh oh. COURT. OF. LAW. Innocent until PROVEN guilty. This is America not Romania. I dare you to arrest me,” tweeted Andrew Tate about Gov. Ron DeSantis and AG James Uthmeier on Thursday.

That tweet was later deleted but was only the first in a series of statements. Tate said he’s back in Miami and that if he’s arrested and charged, he could “clear (his) name in a USA court of law once and for all.”

“They can’t even find enough to arrest me just ran their mouth like circus clowns. It’s win win for me because I’m innocent. I dare you to arrest me, (DeSantis). I’m here in your state. My bags packed for jail and I am waiting patiently,” he said.

Tate then mocked DeSantis’ stature and preference for height-enhancing footwear: “When Ron DeSantis puts on his booster shoes to threaten you… But you stand there. UNFAZED!” Tate posted alongside an image of him staring at the camera.

DeSantis and Uthmeier have not responded to recent provocations from Andrew Tate or his brother Tristan.

DeSantis said last week they were not “welcome” in Florida, leading to Uthmeier launching a criminal probe on the two. While the Tates have been accused of human trafficking in Romania, they have not been convicted.

And it’s uncertain what Florida can convict them of at the moment, leading to the Tate brothers’ defiance.

“We’re never going to bring any case without evidence to back it up. You have that commitment from me. It seems like they’ve done some pretty gross things in other countries. I don’t have jurisdiction there, but if there’s evidence that they committed a crime in Florida, we will pursue that further,” Uthmeier vowed on Monday.

Uthmeier, who was appointed to replace Ashley Moody earlier this year, has spoken at length about his moral issues with degrading comments the Tates have made about women.

“They’ve gone public, you know, joking around saying, ‘Oh, what is the age of consent in America: 15, 16, 17, oh, we can’t remember.’ That’s absurd. That is horrific. And anybody that’s going to defend, you know, that practice is on the wrong side of me, that’s for sure. If you are soliciting and trafficking minors in our state, you belong in the dark, cold back of a jail cell,” he said.

However, Andrew Tate believes he and his movement are the future, and that of Uthmeier and DeSantis are the past.

“In 10 years, they’re the Governors. They’re no longer Ron DeSantis. No longer Byron Donalds, no longer their little girlfriend, AG. All those f****** losers are gone. My fans are the government, my fans are the f****** President. That’s their problem, because they’re all growing up now. They’re all 16, 17, 18 years old. That’s why they’re scared,” Tate said earlier this week.


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Tiffany Esposito’s electronic notices bill gets forwarded to next committee

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The House Civil Justice and Claims Subcommittee advanced a bill that seeks to permit electronic communications for landlords.

Deltona Republican Rep. Tiffany Esposito filed the measure (HB 615) that would allow property owners to notify their tenants through electronic means.

While the legislation seeks to move rental market communications into the modern era, it was met with questions from committee members concerning whether tenants would be declined a rental if they don’t choose to opt in, or when a notice period would begin if an eviction notice was delivered via email.

Esposito said she would be open to having discussions with committee members around clarifying some of the language and ensure that less tech-savvy tenants would still be able to get communications from their landlords.

“We’re trying to give both tenants and landlords options for communications preferences, because we currently have a similar issue with printed notices,” Esposito said. “If a printed notice is left, or an emailed notice is sent, the timelines still apply, and we have the same problem. So, it’s up to the tenant whether they want to opt in to electronic delivery or not.”

North Miami Democratic Rep. Dotie Joseph had procedural concerns around the bill and if there could be provisions made that would allow electronic notices to have an acknowledgement that the notice has been received.

Jackson Oberlink, representing Florida Rising, opposed the bill and told the committee that it would put certain tenants at a disadvantage if it was passed without certain amendments first being made.

“While I appreciate that the intent of this bill is to modernize landlord-tenant communication, this bill as written creates an imbalance that disproportionately harms tenants,” Oberlink said.

“We hope to work with the sponsor to improve it and urge you to consider amendments that ensure fairness and electronic notices. The bill allows landlords to send eviction and security deposit claims via email but does not grant tenants the same right.”

Oberlink noted that states such as Nebraska and Oregon allow both parties to use email for official notices and said it is a policy that Florida should adopt as well. Other states also include opt-out options to safeguard vulnerable renters. Oberlink noted that an amendment should be included that requires the use of email services that confirm the notice has been received.

“Tenants may feel pressured to consent to email delivery as a condition of them securing housing. Oregon requires email agreements be signed after a lease begins, allowing informed consent,” Oberlink said. “Florida should adopt a similar safeguard. These are practical amendments that uphold the bill’s goal of modernizing communication while preventing wrongful evictions and financial harm to tenants.”

Jonathan Webber, Policy Director with the Southern Poverty Law Center, opposed the bill and said emails should not be used for something as important as an eviction notice.

“I urge you to vote ‘no’ on this bill. Our primary concern lies with the email communication provision,” Webber said.

“Email should never be the sole method for delivering a notice as serious or life-altering as an eviction. … We’re also concerned that the email opt-in, the addendum itself, could easily get lost in the overall rental agreement moment. Lease agreements are notoriously long and complicated. New tenants are often overwhelmed with paperwork and logistics on move in day. Choosing the right email for eviction notices is not likely to be on top of mind at that moment.”

Webber noted that tenants could become victims of scammers.

“This provision could make vulnerable renters an easy target for bad actors, or conversely, email is so tainted with scammers, that a tenant may see a real email from their landlord and not trust that it’s authentic. While I support going paperless whenever possible, some communications are simply important to rely on email alone, even if one signs the addendum.”

Port Charlotte Republican Rep. Danny Nix supported the bill and offered a different point of view as a former property management company owner.

“As a Realtor, as well as someone who owned a property management company and sold it, I want to thank you for bringing this bill,” Nix said.

“I cannot agree more that renters need rights. But what I will tell you is, owners need rights as well. They’re the ones that are taking their … capital and putting it into properties to allow individuals to have a place to live. Currently in this market, you’ll see they’re exactly right, there is no opt-in or opt-out. It’s, ‘I want you to do this, or I’ll rent it to someone else.’ And that’s a private property right.”

Ultimately, the committee passed the bill by a vote of 12-4, and it will now go before the Housing, Agriculture & Tourism Subcommittee.


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