Florida's home insurance market was a mess before Ian. It's about to get worse | CNN Business

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Florida homeowners were already facing an expensive and difficult market for home insurance before Hurricane Ian. The devastating storm is about to make things worse — even for those fortunate enough to escape any damage.

For the better part of two decades, the nation’s major insurers have wanted as little to do with Florida as possible, as least when it comes to insuring homes. That has left the market in the hands of small, in-state insurers with limited resources. Six of those companies were declared insolvent this year, even before Ian.

It has seen its number of policies more than double in the last two years, to 1.1 million, or 13% of the state market. The company’s market share is even greater in some large counties – 39% of policies in Miami-Dade and 36% in Monroe County, which includes the Florida Keys. Pinellas County, home of St. Petersburg, which was hit hard by Ian, has 27% of its policies with Citizens. “That’s not what ‘insurer of last resort’ is supposed to be,” said Carletti.

 

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Duh.

I'm sure the loser mayor will help screw people out of their properties for his business buddies..

Since insurance companies NEVER go bankrupt, who pays for this? Does the insurance company spread the costs over all their customers?

Pretty sure DeSantis will encourage developers to swoop in to buy up properties and build condos and such to enhanced building codes.

I wonder if the insurance companies pay out on climate change damage. A CNN reporter asked multiple times if hurricane Ian is caused by climate change lol.

New York never improved after Sandy either.

May 2018 – Pakistan runs out of dollar reserves due to debt repayment, then restrictions are imposed and extra activities like sports and events are limited. The Pakistan Army will openly admit that the situation is very bad. -

Still rather live there than CA.

Free market will solve the problem. Yep. That’s right.

Rebuild stronger or don’t rebuild.

Happened after Katrina too. Almost impossible to get insurance on the Gulf Coast. Insurance for the most part is government sanctioned theft.

People are saying 'don't move to Florida because of hurricanes and price insurance. Guess we should move to California with the fires and earthquakes, high taxes and high costs of living. You tell me.

Personally makes me angry, my insurance is high enough living inland.

I feel for thepeople of Florida. But, when you live on the lowlands... well. Developers are also part of theproblem as well as city councils. Do not build on floodplains. If u do, well your problem. Dont buy on floodplains.

Dear GOP Floridians, guess who is going to save you when your private insurance company defaults? Hint: it rhymes with the mocialst bovernment.

They'll NEVER get flood insurance NOW!!!...

Dealing with climate change is expensive but NOT dealing with climate change is far more expensive.

Soon the state fund will be well over 50%. Insurance companies do not like to lose money and with global warming Florida is just a bad bet. Better get the state fund above $4 billion. Need 50 to 60 for the next one and better require flood insurance. Or just stop rebuilding.

Well that’s what happens with natural disasters.

Joe being “president” doesn’t help matters

Yeah but we have the greatest Governor in America in Desantis.

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