Comprehensive update on Florida's insurance market, regulatory trends, key personnel moves, and economic impacts shaping compliance and risk strategy in 2025.

4.7 million Floridians rely on the federal health insurance marketplace and enhanced premium subsidies. Extension of these subsidies is crucial to prevent coverage loss and maintain access to affordable care.

Florida insurance regulators fined eight property insurers over $2 million in 2025 for claims-handling violations including delayed payments and unlicensed adjusters amid ongoing hurricane season.

Florida fines eight home insurers $2 million for delays and unresponsiveness in handling Hurricane Ian and Idalia claims, highlighting regulatory enforcement during hurricane season.

Florida Peninsula Insurance files for historic average 8.4% homeowner premium cut amid legislative reforms improving Florida's insurance market.

American Integrity expands home insurance policies into Broward and Miami-Dade counties, reflecting positive impacts of Florida's legislative reforms on insurer participation and market stability.

Florida's top five auto insurers cut rates by 6.5% after legislative tort reforms reduce insurer litigation risks, influencing market-wide rate decreases.

Florida appeals court reverses Citizens Insurance claim denial, emphasizing limits on staged payment clauses in replacement cost policies. Implications for insurer claim handling and litigation.

Florida's 2025 legislative session ended with budget agreements but without meaningful reforms to tackle rising homeowners insurance premiums and housing affordability challenges.

HCI Group finalizes expanded catastrophe reinsurance program for 2025-2026 treaty year with over $3.5 billion coverage across three towers, supporting Florida and national insurance policies.