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The real story behind Florida’s insurance market

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As the Professional Insurance Agents (PIA) of Florida, we feel compelled to address the recent article by Lawrence Mower, published on Feb. 22, 2025, in the Tampa Bay Times, titled “Florida Insurance Companies Steered Money to Investors While Claiming Losses, Study Says.

While investigative journalism is crucial, we believe this article presents a misleading, incomplete, and flawed narrative that distorts the realities of Florida’s property insurance industry.

A misrepresentation of financial practices

The article suggests that insurers in Florida funneled billions to Managing General Agents (MGAs) and affiliates while citing hurricane-related losses from 2017-2019. This oversimplification ignores the legitimate financial structures necessary to operate in one of the most catastrophe-exposed insurance markets in the world. Insurers do not “hide” money — they allocate capital to affiliates for reinsurance, operational efficiency, and regulatory compliance. State regulators monitor this standard industry practice to ensure financial stability and protect policyholders.

Regulatory oversight

The Florida Office of Insurance Regulation (OIR) has full access to insurers’ financials, including all MGA contracts, investor returns, and affiliate transactions. If financial misconduct had occurred, it would have been addressed long before this so-called “secret study” surfaced. In fact, the OIR itself has stated: “The report does not clearly show where the capital was spent or conclude that all the monies were profit. The report does say additional oversight was needed, to which OIR has and continues to advocate for more regulatory control over MGAs.”

Why the market has struggled

The real story is Florida’s insurance market has faced serious challenges, but not because of financial mismanagement by insurers. The actual culprits are threefold: A decade-long legal crisis fueled by excessive litigation and lawsuit abuse, forcing insurers to fight more claims in court than the rest of the country combined; rampant fraud and inflated claims, particularly in roof replacements and assignment-of-benefits (AOB) abuse; and an unprecedented number of hurricanes in recent years, causing billions in losses that insurers were obligated to cover.

The critical context Floridians should know

The media has painted a one-sided picture that fails to acknowledge key facts: Eleven new insurers have entered the Florida market since 2023, thanks to recent reforms finally stabilizing the industry. Premium increases have slowed dramatically, with Florida seeing the country’s lowest average homeowners’ rate increases in 2024. Citizens Property Insurance is reducing its policy count, meaning the private market is strengthening — not weakening.

The bottom line? The reforms are working. The industry is recovering from the damage caused by past litigation abuse.

Conclusion: Facts over fear

Recent media coverage, riddled with half-truths, omissions, and political posturing, does a disservice to Floridians who rely on a functioning, stable insurance market. Instead of sensationalist headlines, we need to focus on real solutions, continued reforms, and an accurate portrayal of the facts.

The Professional Insurance Agents of Florida remain committed to truth, transparency, and the long-term stability of our industry.

___

Lori Augustyniak is president of PIA of Florida and a partner at Horizon Insurance, a Trucordia agency.


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Brian Hodgers admitted selling beer to a minor in a state application. Now, he says opponents want to ‘frame’ him as a criminal

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House candidate Brian Hodgers sent out an email blast saying political opponents fabricated his arrest record. “I was NEVER ARRESTED,” Hodgers wrote.

But he admitted in an application for a Florida real estate license that he once pleaded no contest to selling a minor a beer.

Hodgers is one of three candidates running in the Republican Primary in a House District 32 Special Election to replace outgoing Rep. Debbie Mayfield.

He fired out the email blast after appearing in a Florida Today forum in which opponent Terry Cronin said, “I’m the only candidate who doesn’t have a criminal record.” Hodgers also alludes in letters to paid attacks from “one of our opponents and his liberal allies” that attempt to “frame me as having a criminal past.”

“On the issue of the criminal past, my father and I owned a gas station together about 30 years ago,” Hodgers wrote. “One of our clerks was cited for selling beer to an underage adult, and our business had to pay a fine. I was NEVER ARRESTED. My opponent is making things up and using a falsified document to suggest that I was arrested.”

But a LexisNexis search shows court records indicating that he was cited in May 1996 and required to appear in court on a second-degree misdemeanor. The document indicated he pled “nolo contendere” and adjudication was ultimately withheld. The document lists a sentence of two days in jail.

A license application with the Department of Business and Professional Regulations reveals further details. A portion of that form asks if applicants have ever been convicted of a crime, been found guilty or pleaded no contest. Hodgers marked “Yes.”

He also lays out a more detailed narrative explaining the crime, and acknowledging that the clerk cited was himself.

“I also realize that my application may be held up due to a misdemeanor offense in which I received adjudification with held for selling an alcoholic beverage to an underage minor while working for a gas station convenience store in 1996,” Hodgers wrote in the application.

In the candidate forum, Hodgers said there was no record of him being arrested with Broward County, which does not publish records on its website dating back to 1996. He said Cronin had “embellished” a minor offense. He again said that he and his father owned multiple gas stations, and he again blamed someone else for the offense.

“We had a clerk who was caught up in, I guess what you would call a sting operation where they brought in an underage person and they sold a beer to this underage person. And I, as the business owner, received a citation,” Hodgers said. He denied ever spending “days in jail.”

But that differs significantly from the account he hand-wrote in the state application for his license. There, he made clear he was the one who made the sale.

“As a cashier at a gas station, I mistakenly sold a can of beer to a underage minor,” he wrote. “I paid court costs and adjudification was witheld.”

The application also includes further written explanation about the incident, including that a Judge had informed him the sting was conducted by the Bureau of Alcohol, Tobacco and Firearms, and that the incident was a “lesson to be learned” but “should not show up on my record.” “I have never been in any kind of trouble and have a clean record except for this one instance,” Hodgers wrote.

The LexisNexis document shows the court costs amounted to only $45. Hodgers was 23 at the time of the offense.

FL DBPR – License – Hodgers[29] by Jacob Ogles on Scribd


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CDC nominee Dave Weldon is likely to be pressed on his vaccine views at Senate hearing

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Dr. David Weldon had been out of the national spotlight for more than 15 years when he was nominated to head the Centers for Disease Control and Prevention. But many anti-vaccine advocates knew him well.

“He is one of us!! Since before our movement had momentum,” the co-director of Mississippi Parents for Vaccine Rights wrote on Facebook. And on X, formerly known as Twitter, the Autism Action Network credited the former congressman with introducing legislation two decades ago “to stop the vaccine pedocide.”

Weldon, who was nominated by President Donald Trump, needs to be confirmed by the U.S. Senate before he can lead the nation’s top public health agency. His confirmation hearing is to be held Thursday.

The 71-year-old retired Florida congressman is considered to be closely aligned with his presumptive boss, Robert F. Kennedy Jr., the U.S. health secretary who for years has been one of the nation’s leading anti-vaccine activists.

Department of Health and Human Services officials declined to make Weldon or Kennedy available for an Associated Press interview.

When he made the nomination announcement, Trump said Weldon “will proudly restore the CDC to its true purpose, and will work to end the Chronic Disease Epidemic, and Make America Healthy Again!”

The CDC was created nearly 80 years ago to prevent the spread of malaria in the U.S. Its mission was later expanded, and it gradually became a global leader on infectious and chronic diseases and a go-to source of health information.

Today, the Atlanta-based agency has a more than $9 billion core budget. It had about 13,000 employees when Trump took office, but more than 500 were fired as part of a dramatic — and continuing — push by the president and his billionaire adviser Elon Musk to cut staffing across federal agencies.

Weldon has no experience in federal public heath, but that isn’t unusual. The last few presidential administrations — both Democratic and Republican — have appointed outsiders with no CDC experience.

Unlike Weldon, however, those outsiders had been public health researchers or had run state health departments. He is an Army veteran and internal medicine doctor whose main claim to fame was representing a central Florida district in Congress from 1995 to 2009.

After he left Congress, Weldon practiced medicine in Florida, taught at the Florida Institute of Technology, served as board chairman for the Israel Allies Foundation and made unsuccessful runs at federal and state elected office. In a March 1 letter to HHS, Weldon said that if confirmed he will resign from the foundation and from two Florida health-care organizations. He also promised to sell his holdings in funds investing in energy, pharmaceutical and health-care companies.

Weldon was a leader of a Congressional push for research into autism’s causes, which began around 2000. It was fueled by a controversial — and ultimately discredited — study by British researcher Dr. Andrew Wakefield that claimed to find a link between the measles-mumps-rubella vaccine and autism.

The action in Congress was driven largely by U.S. Rep. Dan Burton, an Indiana Republican whose grandson had autism. Weldon was a prominent voice in Burton’s hearings and co-sponsored a bill that would give responsibility for the nation’s vaccine safety to an independent agency within HHS — an idea that not everyone in public health opposes.

But Weldon also rejected studies that found no causal link between childhood vaccines and autism, and accused the CDC of short-circuiting research that might show otherwise.

Meanwhile, Weldon was a friend to practitioners of fringe medicine. When Weldon invited Wakefield to testify before Congress, he also brought in Dr. James “Jeff” Bradstreet, who used alternative medicine to try to treat autistic children. Bradstreet died in 2015, after the U.S. Food and Drug Administration raided his office, of a gunshot wound that police labeled a suicide.

Weldon later appeared in “Vaxxed: From Cover-Up to Catastrophe,” a 2016 documentary directed by Wakefield and produced by Del Bigtree, an activist who later became the manager of Kennedy’s 2024 presidential campaign. In the movie, Weldon repeated suspicions and accusations about CDC that he’d made as a congressman.

Kennedy has argued that experts who advise the CDC on vaccine policy have conflicts from working with, or receiving money from, pharmaceutical companies. Those advisers routinely disclose conflicts in public meetings, but the CDC last week launched a web tool “to increase the transparency of conflicts of interest.”

At Thursday’s hearing, Democrats are likely to press Weldon on his vaccine views and his plans for the agency under a health secretary who has shown disdain for it.

Dr. Anne Schuchat worked at the CDC for 33 years before retiring in 2021, and twice served as acting director. She said she doesn’t know Weldon, but that agency directors gradually develop an appreciation and respect for its work.

If Weldon follows a similar pattern, she said, he could be a great asset: His Capitol Hill experience could help CDC secure funding and political support.

“With an optimistic view, there’s lot you can build on, with what he has on paper,” she said. “With a pessimistic view, if he wants the job to tear the place down, that would be disappointing — and dangerous.”

___

Republished with permission of The Associated Press.


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House panel unanimously votes for death penalty for attempted political assassination

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A bill that could impose capital punishment for attempted assassinations on heads of state is finally moving, with the Criminal Justice Committee unanimously voting to advance it.

Rep. Jeff Holcomb’s legislation (HB 653) contemplates adding to Florida law that the death sentence applies when a “capital felony was committed against the head of a state, including, but not limited to, the President or the Vice President of the United States or the Governor of this or another state, or in an attempt to commit such crime a capital felony was committed against another individual.”

Holcomb, a Republican from Spring Hill, said his bill extended to heads of state the protections currently afforded to cops.

“Members, just think back to about a year ago, July 13, 2024, when President Trump had an attempted assassination. If that perpetrator had not been taken out by law enforcement, he would have gone on trial. If he had done that in Florida after this bill, he’d be eligible for the death penalty,” Holcomb said, alluding to the rally shooting in Butler, Pennsylvania.

Trump, however, was not in office at the time, so he technically wouldn’t have been a head of state.

Democrats peppered Holcomb with questions, including about federal penalties for assassination attempts and why in that context a state would replicate them.

Holcomb said current laws “don’t necessarily treat assassination or attempted assassinations for a head of state with the heightened severity that it deserves.”

He also said the bill would provide “deterrence.”

“If you’re going to look to assassinate a head of state, you choose someplace else and not Florida,” he said.

Vice Chair Webster Barnaby extolled the “very, very important bill,” saying it would “ensure that when people come to Florida, they’ll know how to conduct themselves.”

This bill has one stop to go before the House floor.

Meanwhile, the Senate version (SB 776) of this proposal is being carried by another Spring Hill Republican, Sen. Blaise Ingoglia. It has yet to be heard in committee.


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