Property insurance in Florida
Browse reporting and materials on claim outcomes, insurer transparency, affordability, coverage and the ways policyholders resolve disputes.
Prepared September 25, 2026 · Sources open in a new tab
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Earlier investigations that help frame today’s questions.
Proposed measures and materials on the changing scope of coverage.
2027 legislative proposals
An eight-page guide with proposed Florida consumer protections on representation, payment direction, adjuster training and meaningful coverage. These are proposals, not enacted law.
Read the proposal guide (PDF)Policyholder experiences
Hear from policyholders and share your own insurance claim experience.
Visit Voices of PolicyholdersConsumer education
Visit BeClaimSmart.comFAPIA advocacy material
An illustration of the concerns FAPIA has raised about narrowing property coverage and representation.
This graphic presents an advocacy timeline. Its dates and policy assertions should be independently checked before use as legislative findings.
Reports on charges alleging that a former Donegal Insurance claims adjuster used fabricated records and a purported law firm to divert nearly $1 million from his employer. This report concerns alleged fraud against an insurer by a former employee, rather than a finding of fraud by the insurer. The charges are allegations; the defendant is presumed innocent unless proven guilty.