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South Florida lawmakers push for multistate compact to stabilize home insurance market

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Two Democratic lawmakers from Palm Beach County want Florida to team up with other states to tame spiraling home insurance costs and climate-related risks.

West Palm Beach Sen. Mack Bernard and Boca Raton Rep. Kelly Skidmore just filed twin bills (SB 366, HB 319) to create a national risk pool for property insurance against natural disasters.

Under their proposal, Florida would spearhead a framework allowing states to share catastrophe risk, increase bargaining power with global reinsurers and stabilize home insurance markets, effectively building a collective safety net to spread the rising cost of disaster losses.

The legislation would go into effect July 1, with Florida’s Office of Insurance Regulation (OIR) having to develop the compact by Dec. 31, 2027.

“Florida has seen the costs when climate disasters outpace a single state’s insurance market,” Bernard said in a statement.

“By joining together in a multi-state compact, we can create a sustainable, market-driven safety net that protects families, stabilizes the economy, and ensures help reaches communities quickly when they need it most.”

Skidmore said the legislation reflects lessons from recent storms.

“The back-to-back major hurricanes of 2024, from which many communities are still recovering, highlight the urgent need for a national solution,” she said. “Sustaining affordable and reliable homeowners’ insurance is essential to the economic security of Florida families and the stability of our housing market.”

The measures by Bernard and Skidmore, filed Tuesday, come as home insurance policyholders are paying among the highest rates in the nation. The average annual premium in Florida as of March was $3,330, according to OIR data.

For a $300,000 dwelling, the annual rate is $5,761, according to an analysis by Kiplinger. Meanwhile, MoneyGeek quotes $8,770 for a richer coverage package. A press note from Skidmore’s Office said premiums in the state “now hover around $5,400 annually.”

“Over the past five years, home insurance costs have surged by more than 70% in some areas, forcing many homeowners to go uninsured or underinsured,” the press note said. “In 2024, Florida also recorded the nation’s highest rate of policy nonrenewals as insurers withdrew from high-risk regions across the state.”

State lawmakers passed a string of reforms since 2022 aimed at stabilizing its insurance market, including limits on litigation, incentives for reinsurance participation and efforts to depopulate Citizens Property Insurance, Florida’s state-run insurer of last resort.

But those state-level fixes have done little to curb the broader trend: Insurers nationwide are facing mounting catastrophe losses that are driving up costs for everyone.

Across the United States, insured disaster losses now regularly approach $100 billion annually, up from about $4.6 billion in 2000. Hurricanes, wildfires, tornadoes and floods have increasingly combined to make property insurance both more expensive and less available.

The compact, as Bernard and Skidmore envision it, would function like a national reinsurance pool similar, in spirit, to the National Flood Insurance Program, but governed by instead of Washington.

Ideally, participating states would collectively shoulder catastrophic risks and negotiate reinsurance coverage together, reducing volatility and helping homeowners rebuild more quickly after major disasters.

“By partnering with other states,” Skidmore said, “we’re building a resilient structure that addresses climate-driven risk, insurer retreat, and soaring premiums, leading Florida, and the nation, toward a safer, more affordable future for property owners.”

The proposal faces long odds in Florida’s Republican-led Legislature, where most of the enacted insurance policy legislation in recent years has focused on deregulation and tort reform rather than systemic adjustment.

Florida’s 2026 Legislative Session begins Jan. 13. Preliminary meetings are ongoing.



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UWF analysis on ‘puppy mills’ leads to consumer protection investigation

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Attorney General James Uthmeier issued a report this week concluding that deceptive sales of pets have ripped off Floridians to the tune of $25.1 million annually.

The analysis focused largely on the sale of puppies in the state. The report found that at least 80% of young canines sold in Florida are sourced from breeders in other states in so-called “puppy mills.”

Since those animals usually undergo extensive transport to get to Florida, the puppies often arrive sick or mischaracterized in their breeds, which ultimately results in substantial vet bills for families.

The research was conducted by the University of West Florida’s Haas Center, an economic impact and workforce survey arm of the Panhandle campus. Uthmeier said the results led to his Office launching a consumer protection investigation into deceptive sales, sick animals and predatory financing schemes.

“Florida families deserve fair and honest business practices,” Uthmeier said. “This report exposes how deceptive retailers and shady lenders are preying on consumers who are bringing a pet into their family. Our office is opening a formal investigation into the lenders and retailers pushing these predatory loans for sick puppies.”

The 90-page report, “The Cost of Deception: How Sick Pets Drain Florida’s Economy,” also outlines the difficult conditions puppies face on their way to Florida.

As many as 120 puppies can be crammed into one van and transported thousands of miles, with few exams by veterinarians and hardly any oversight. That creates conditions for the spread of disease, which often leads to pricey veterinarian bills.

The report also found that some pet sales involve big retailers that include store-brand credit cards with interest rates as high as 35.9%, along with hidden fees and “deferred interest” in promotions.

“A $5,000 pet purchase can ultimately cost families as much as $16,000 under these terms,” a news release said.

The counties with the most complaints about puppy problems include Orange, Pinellas, Duval, Miami-Dade, Broward and Palm Beach.

The UWF analysis also provided some recommendations, including increasing consumer protections and oversight for breeders and transporters. Researchers also suggest the state modernize pet lemon laws and restrict questionable financing practices.



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Majority of South Florida residents support Fontainebleau redevelopment plan

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Fontainebleau Miami Beach’s proposed “family-friendly improvements” are enjoying broad support among South Florida residents, according to a new poll commissioned by the developers and conducted by MDW Communications.

The poll, obtained by Florida Politics and taken among 305 likely Miami Beach municipal voters Jan. 14-19, found nearly 60% of respondents supporting the proposal, including more than 30% who strongly support it. Fewer than 30% of respondents say they disapprove.

And most residents are aware of the plans, further signaling not just support, but informed support. Of those polled, more than 2/3 say they have heard information on the proposal, with just a third saying they’ve heard nothing about it.

Fontainebleau Development, led by Chair and CEO Jeffrey Soffer, is planning a sweeping rework of the hotel’s outdoor pool deck aimed at attracting more families, including a proposed water-park concept featuring 11 waterslides — one reportedly about 120 feet tall — along with other pool-deck upgrades.

Poll results are important, as the project requires approval from the city’s Historic Preservation Board because it sits on a historically significant site. The Preservation Board reviews alteration plans on designated historic properties.

The Fontainebleau, designed by architect Morris Lapidus and opened in 1954, is one of Miami Beach’s signature MiMo-era landmarks and is listed on the National Register of Historic Places.

The project is carefully planned to “responsibly repurpose” outdoor areas of the hotel without expanding its footprint or altering its unique architectural character.

“Under the leadership of the Mayor and the City Commission, Miami Beach continues to evolve as a destination for visitors of all ages, and this vision reflects an increased emphasis on family-oriented experiences that align with the City’s broader tourism goals,” reads a note from developers shared along with poll results.

“The proposed enhancements are private amenities for hotel guests only, and the pool deck access will remain restricted, as it is today. Given the focus on hotel guest experience, the project is not expected to generate additional traffic as guests will be remaining on property.”

The project would repurpose the resort’s existing amenity footprint while integrating features designed to complement the existing historic pool deck and honoring the entire property’s iconic architecture.

The poll comes just days after the Greater Miami and the Beaches Hotel Association urged project approval from the Preservation Board, noting that the project would help maintain Miami Beach as a competitive global hospitality destination. The group’s CEO, Curtis Crider, said projects such as this one are “essential” to the city’s economic future.

“On behalf of the hotel community, we believe this initiative strengthens the city’s competitiveness, supports sustainable economic growth, and reflects the evolution necessary to ensure Miami Beach’s continued success,” he wrote last week in a letter to the Preservation Board.



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Kat Cammack offers early endorsement to Evan Power in CD 2 race

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U.S. Rep. Kat Cammack already knows who she wants to win a newly open race neighboring her own North Florida district.

The Gainesville Republican is endorsing Republican Party of Florida Chair Evan Power to succeed retiring U.S. Rep. Neal Dunn.

“I don’t back candidates who seek permission slips. I back fighters. That’s why I’m proud to endorse Evan Power for Congress,” Cammack said.

“Washington is broken because too many politicians cling to the status quo. Evan isn’t one of them. He’s a proven conservative leader who fights bureaucracy, stands up to the radical left, and wins. I’ve seen him push back against government overreach, defend Florida values, and hold firm under pressure.”

Power, a Tallahassee Republican, filed last week to run in Florida’s 2nd Congressional District a day after Dunn announced he will not seek another term. Cammack first won election in 2020 to Congress to represent Florida’s 3rd Congressional District.

On social media, Power said he was “honored to have the endorsement and support of Kat Cammack.”

It’s an early endorsement for the party leader as other candidates rush to file.

Already, former U.S. Senate candidate Keith Gross filed in the Republican Primary. Other Republicans, including Austin Rogers, the General Counsel for U.S. Sen. Rick Scott, and Chuck Perdue, the Bay County Talk Collector, are exploring runs.

Cammack said Power’s history working on political issues and campaigns led her to publicly support his candidacy.

“Evan doesn’t just talk about freedom, the Constitution, and fiscal responsibility, he delivers. He knows our job is to serve the people, not grow government, appease special interests, or play nice with the swamp,” she said.

“If you want a rubber stamp, look elsewhere. If you want a conservative who will join me to secure the border, protect parents, defend life, back law enforcement, and put America First then Evan Power is the fighter we need in Congress. I’m all in for Evan Power. I hope you are too.”



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