top of page
Don D. Brown
Writer
Author. Consultant.
More actions
Profile
Join date: Jan 10, 2026
About
Don’s journey from a humble upbringing in rural Florida to a prominent role as a state legislator.
In equal parts of humor, heart, and sometimes brutal honesty, Brown authors a motivating commentary chronicling the life lessons and values instilled during his upbringing.
Posts (6)
Jul 25, 2026 ∙ 3 min
The Unfinished Half: Core Principles for Coastal Catastrophe Markets
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 state at any point...
2
0
Jul 25, 2026 ∙ 11 min
Two Confidences, Two Categories: Florida's Property Insurance Market After Reform
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-adjustment expenses,...
6
0
Jul 25, 2026 ∙ 3 min
Concentration, Correlation, and the Limits of Capacity
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 stability since...
4
0
bottom of page