This isn't just a Florida problem.
this post was submitted on 23 Oct 2023
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There is items that are either unique to Florida or are prevalent in Florida that make it the kind of state where this problem will happen first.
Unique to Florida is a lot of pseudo scammy ways that repairs occur after natural disasters which increase premium costs due to lawsuits causes by reconstruction occurring before appraisal.
Not unique but prevalent are the hurricanes and common flooding.
It's happening here in southern Louisiana. My insurance premium has been steadily increasing for the last 3-5 years.
Also, we're going through a drought which is causing a saltwater intrusion into our wetlands and wildfires in the marshes.
https://www.drought.gov/states/louisiana https://gohsep.la.gov/emergency/Saltwater https://www.wdsu.com/article/heavy-smoke-filling-the-air-in-new-orleans/45608195
It’s Disney’s fault.
edit: honestly, do I really need to put a “/s” at the end of that?
Mate, there are a lot of people who unironically think that.
In regard to insurance premiums due to chronic weather disasters?
Oh, right.
Florida.
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What kind of insurance are we talking about here?
Home insurance, same thing's happening in Louisiana and California
Definitely happening in Louisiana. My insurance broker called me in a panic yesterday to let me know how high my renewal will be this year, and it is very, very high.
I'm going to eat the increase because there's no other company offering lower rates. I live in an area hit by hurricanes, and I know insurance companies are for-profit businesses, so I've been expecting this.
At this point, I'm just grateful the company didn't pull out completely.
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Floridian here. My mom currently has Citizenship Insurance. Her rates will increase by about 11.5% by the end of the year.