06/30/2026
The More I Dig Into Florida's Insurance System, The More Concerned I Become. I have spent countless hours reviewing presentations, statutes, industry standards, court decisions, and claims handling practices. One conclusion keeps becoming clearer:
Florida doesn't have an insurance crisis because we lack laws. We have an insurance crisis because many of the laws already on the books are not being enforced.
One presentation I recently reviewed argues that SB 7052, which passed unanimously, was intended to restore insurer accountability after earlier reforms shifted the balance of power toward insurance companies. It further argues that the Office of Insurance Regulation has failed to fully implement those accountability provisions.
If that is true, Floridians deserve answers.
Another presentation raises concerns about Citizens Property Insurance's managed repair practices, claims handling, and the relationship between Citizens and state regulators. It argues that existing consumer protections are not being consistently enforced and questions whether Citizens should continue receiving special treatment while homeowners continue paying higher premiums.
I have also reviewed detailed information regarding water mitigation and restoration practices. The materials argue that insurers often rely upon industry practices that may conflict with Florida law and that homeowners are frequently denied the inspections necessary to verify whether drying actually restored their property.
Whether you agree with every conclusion in these presentations or not, one thing should unite all Floridians: The truth should never be feared.
As your next Chief Financial Officer, I will:
• Require true forensic audits before insurance companies receive rate increases.
• End managed repair programs that strip homeowners of their right to control repairs to their own property.
• Hold the Office of Insurance Regulation accountable for enforcing Florida law as written.
• Conduct independent reviews of Citizens Property Insurance's claims handling practices and managed repair program.
• Advocate for the establishment of prevailing attorney fees for consumers so policyholders once again have meaningful access to justice.
• Make government financial information public so Floridians can audit their own government instead of simply trusting politicians.
• Demand transparency, accountability, and evidence instead of political talking points.
For too long, Tallahassee has asked homeowners to simply trust the system while premiums continue rising and claims become harder to collect. That ends with me.
If our laws are working, let's prove it.
If they are not being enforced, let's fix it.
Florida families deserve facts, accountability, and a Chief Financial Officer willing to ask the hard questions instead of protecting the establishment.
Accountability. Integrity. Florida First.
