Rate environment
Statewide average homeowners premiums moderated through late 2025 as reinsurance capacity loosened and several new carriers entered the Florida market. That relief is uneven: coastal counties still carry 2x–3x premiums of inland counties, and sinkhole-prone areas in the Nature Coast remain hard to place.
Carrier capacity
Citizens Property Insurance depopulation accelerated through 2025. Several new domestic carriers, capitalized on the back of 2022/2023 reforms, took on policies at renewal, but many of those carriers are thinly capitalized and their claim-handling reputations are still forming.
Claim-handling behavior
On the claim side, we continue to see:
- Aggressive use of the appraisal clause to move disputes out of litigation
- Tighter adherence to the Fla. Stat. 627.70152 pre-suit notice requirement
- Increased carrier reliance on third-party desk reviewers, who often miss scope
- Slow proof-of-loss cycles when carriers want to pressure-test a claim
What it means for you
If your claim is open right now, three things matter:
- Document everything in writing. Verbal promises evaporate when the adjuster is reassigned.
- Understand your appraisal clause. Most Florida policies still include one, but the mechanics vary.
- Know your deadlines. Fla. Stat. 627.70132 sets a 1-year notice window for new claims; supplemental and reopened claims have 18 months.