Why Florida insurance rates rose — and where the market is finally cooling.

"The roof-claim litigation cycle (2018–2022)" sounds like a small detail until you watch it move a premium by four figures. We see it weekly across Cape Coral, Fort Myers, Punta Gorda and Naples. The carriers worth quoting on this right now are Citizens, Frontline, Tower Hill, American Integrity and a handful of regional writers. Each one weights roof age, wind mitigation form, distance to coast and prior claim history differently, which is why a single-carrier captive agent can't tell you whether you're priced fairly — they only see one ranking.

What actually drives the outcome is roof age, wind mitigation form, distance to coast and prior claim history. Two homes a block apart can get $2,000 apart in premium because one of those levers shifted, and the only way to know which lever is yours is to put real numbers in front of Citizens, Frontline, Tower Hill, American Integrity and a handful of regional writers. Send us your current declarations page; we'll mark it up line by line and tell you whether the policy you have is still the right one for Cape Coral, Fort Myers, Punta Gorda and Naples.

Clients usually raise "Reinsurance costs after Irma and Ian" after a non-renewal letter or a surprise premium jump. The fix is rarely the one the internet suggests. What actually drives the outcome is roof age, wind mitigation form, distance to coast and prior claim history. Two homes a block apart can get $2,000 apart in premium because one of those levers shifted, and the only way to know which lever is yours is to put real numbers in front of Citizens, Frontline, Tower Hill, American Integrity and a handful of regional writers.

The carriers worth quoting on this right now are Citizens, Frontline, Tower Hill, American Integrity and a handful of regional writers. Each one weights roof age, wind mitigation form, distance to coast and prior claim history differently, which is why a single-carrier captive agent can't tell you whether you're priced fairly — they only see one ranking. Send us your current declarations page; we'll mark it up line by line and tell you whether the policy you have is still the right one for Cape Coral, Fort Myers, Punta Gorda and Naples.

On "Citizens depopulation and the new domestic carriers", the honest answer for Florida policyholders is "it depends on the file" — and the file is your four-point inspection and 1802 wind mit. The carriers worth quoting on this right now are Citizens, Frontline, Tower Hill, American Integrity and a handful of regional writers. Each one weights roof age, wind mitigation form, distance to coast and prior claim history differently, which is why a single-carrier captive agent can't tell you whether you're priced fairly — they only see one ranking.

What actually drives the outcome is roof age, wind mitigation form, distance to coast and prior claim history. Two homes a block apart can get $2,000 apart in premium because one of those levers shifted, and the only way to know which lever is yours is to put real numbers in front of Citizens, Frontline, Tower Hill, American Integrity and a handful of regional writers. Send us your current declarations page; we'll mark it up line by line and tell you whether the policy you have is still the right one for Cape Coral, Fort Myers, Punta Gorda and Naples.

On "2022–2023 legislative reforms (SB 76, SB 2A)", the honest answer for Florida policyholders is "it depends on the file" — and the file is your four-point inspection and 1802 wind mit. In practice we pull four-point inspection and 1802 wind mit, run it against Citizens, Frontline, Tower Hill, American Integrity and a handful of regional writers, and rank the result by total cost — not just the headline premium. The cheapest sticker isn't always the cheapest renewal once the surcharges roll in at month 13.

Florida re-shops every renewal. If the last time you compared was more than 12 months ago, the answer almost certainly changed: carriers entered or left the state, surplus lines moved, and roof age, wind mitigation form, distance to coast and prior claim history got re-weighted by the OIR filings. If you want this specific question answered against your address and four-point inspection and 1802 wind mit, call (239) 542-1117 or request a quote and we'll come back the same business day.

Most of the confusion around "Where the auto market still hurts" comes from advice written for other states. In the Florida property market, the math is different. What actually drives the outcome is roof age, wind mitigation form, distance to coast and prior claim history. Two homes a block apart can get $2,000 apart in premium because one of those levers shifted, and the only way to know which lever is yours is to put real numbers in front of Citizens, Frontline, Tower Hill, American Integrity and a handful of regional writers.

In practice we pull four-point inspection and 1802 wind mit, run it against Citizens, Frontline, Tower Hill, American Integrity and a handful of regional writers, and rank the result by total cost — not just the headline premium. The cheapest sticker isn't always the cheapest renewal once the surcharges roll in at month 13. We're independent, so we can quote across the full Florida book. The recommendation that comes back is whichever carrier wins on your file — not whichever one we'd rather sell.

"What this means for your 2026 renewal" is one of the items underwriters re-rate every cycle — what was true last renewal isn't necessarily true at your 2026 quote. What actually drives the outcome is roof age, wind mitigation form, distance to coast and prior claim history. Two homes a block apart can get $2,000 apart in premium because one of those levers shifted, and the only way to know which lever is yours is to put real numbers in front of Citizens, Frontline, Tower Hill, American Integrity and a handful of regional writers.

What actually drives the outcome is roof age, wind mitigation form, distance to coast and prior claim history. Two homes a block apart can get $2,000 apart in premium because one of those levers shifted, and the only way to know which lever is yours is to put real numbers in front of Citizens, Frontline, Tower Hill, American Integrity and a handful of regional writers. If you want this specific question answered against your address and four-point inspection and 1802 wind mit, call (239) 542-1117 or request a quote and we'll come back the same business day.