Florida Resilience Doctrine

Don D. Brown Working Paper (Draft) ABSTRACT Every catastrophe-exposed coastal state in the United States is somewhere on a common arc: administrative dysfunction accumulates in the property insurance market, reforms are enacted, the market environment measurably improves, and the professional community moves toward confidence that the market's fundamental problems have been addressed. This paper offers a portable analytical framework for that arc, applicable to any coastal st

Don D. Brown Member, Florida Hurricane Catastrophe Fund Advisory Council Member, Florida Building Commission Former Chairman, Florida House Committee on Insurance July 2026 Abstract Florida's property insurance market has, over the past three years, exhibited measurable improvement following the 2022 and 2023 legislative reforms targeting assignment of benefits, one-way attorney fee entitlements, and litigation practice. The reforms produced documented reductions in loss-adju

Why Florida's Property Insurance Market Faces Structural Reconstitution Risk and What a Six-Pillar Reform Framework Can Do About It Don D. Brown Former Chairman, Florida House Insurance Committee (2007–2008) Member, Florida Hurricane Catastrophe Fund Advisory Council | Member, Florida Building Commission Submitted for Academic Review | April 2026 Version 9, revised August 2026; supersedes Version 8, April 2026 ABSTRACT Florida's property insurance market has achieved surface

Here's the reality: your homeowners’ insurance isn't complicated just to frustrate you. The complexity reflects real changes in how we live in Florida, the unique risks we face, and the technology we use. This guide will help you understand why your insurance looks the way it does today and – more importantly – how to navigate it successfully.

Executive Summary Florida’s property insurance market has faced unprecedented stress over the past decade, marked by rising premiums, insurer insolvencies, and growing public concern. In response, the Florida Legislature enacted significant legal reforms in 2022 and 2023 aimed at curbing runaway litigation and restoring stability to the market. These reforms are beginning to yield positive effects, particularly in slowing the rate of market deterioration and improving insurer