$432 Million in Losses, $1.3 Billion in Profits: The Insurance Report Florida Didn’t Want You to See
By Cohen Law Group | September 2026 Last week, the Florida Senate’s general counsel sent the Orlando Sentinel and the South Florida Sun Sentinel a demand most Floridians would expect from a private company guarding its secrets, not from their own Legislature. The newspapers were ordered to stop using a state-commissioned report on property insurer […]
A Broward Judge Just Told Florida That a Camera Is Not a Witness
A Broward Judge Just Told Florida That a Camera Is Not a Witness What the McFadden ruling on red light cameras says about who carries the burden of proof — and why that question matters far beyond a traffic intersection. On March 3, 2026, Broward County Judge Steven P. DeLuca signed a 21-page order dismissing […]
Florida’s 15-Year Roof Clock: What It Means For Your Policy And Your Claim
Florida homeowners have spent the past several years being told that a new roof is the price of admission for affordable insurance. Now the ticket just got more expensive. According to an August 10, 2026 WPTV report, insurance carriers writing business in Florida have quietly moved the goalposts on roof age: asphalt shingle roofs that […]
The Florida Supreme Court Will Decide Whether Citizens Policyholders Keep The Right To A Jury
On August 7, 2026, WPTV investigative reporter Kate Hussey reported that the Florida Supreme Court has agreed to take up the question Florida policyholder attorneys have been arguing for three years: is Citizens Property Insurance Corporation’s mandatory arbitration program constitutional? For the hundreds of thousands of Florida homeowners insured by Citizens, this may be the […]
Hurricane Season Is Here: What Every Florida Homeowner Should Do Now to Protect an Insurance Claim
Florida’s disaster season is officially underway. The Atlantic hurricane season runs from June 1 through November 30, and forecasters are again warning of a busy summer along the Gulf and Atlantic coasts. When a hurricane peels the shingles off your roof or drives water through your walls, your insurance policy is supposed to be the […]
Florida Hurricane Warning. What the 2026 Forecast Changes Mean for Your Insurance Claim
Florida Hurricane Warning What the 2026 Forecast Changes Mean for Your Insurance Claim (For educational purposes only.) If you own a home in Florida, something is changing this year that could quietly affect your ability to collect on a hurricane insurance claim—and most homeowners don’t know about it yet. Starting in 2026, NOAA and the […]
Florida FIGA Surcharge Ends Early, but Homeowner Claim Risks Remain
Florida Homeowners: A Hidden Surcharge on Your Insurance Bill Is Going Away — Two Years Early, But at What Cost? If you own a home or business in Florida, there is a quiet line item buried in your insurance bill that has been costing you money since 2023. It is called the FIGA emergency assessment […]
Florida HB 803 and Your Home
Florida Is About to Change Building Permit Requirements — Here’s What It Means for Your Home and Insurance A sweeping new Florida law is about to change how homeowners — and their insurance companies — think about home repairs and improvements. Florida’s legislature has passed House Bill 803, which eliminates the requirement to pull a […]
Florida Condo Fees Could Rise Under New Bill
Your Condo Fees Could Be About to Skyrocket — And a Bill Headed to DeSantis May Be to Blame A quietly passed piece of legislation could strip Florida condo associations of their Citizens Insurance coverage — and hand a no-bid contract to a billion-dollar firm with direct ties to GOP mega-donors. ⚠ WHAT THIS MEANS […]
Florida Property Damage Lawsuits: How Attorney’s Fees Really Work
Florida Property Damage Lawsuits: How Attorney’s Fees Really Work When Florida homeowners experience property damage, whether from water leaks, hurricanes, mold, or fire, the insurance claim process can quickly become overwhelming. Many policyholders assume that if their insurer underpays or denies a valid claim, filing a lawsuit will automatically result in the insurance company paying […]