Drowning in Denial takes readers inside Florida’s property insurance crisis, showing why the biggest threat is not just hurricanes—but the human behaviors that magnify their impact. Homeowners skip vital coverage to save pennies a day, regulators hesitate to act, and insurers herd together in ways that destabilize the market. Don D. Brown applies behavioral economics to explain how biases like loss aversion, optimism bias, and status quo inertia trap both consumers and policymakers. Real stories—like Maria Rodriguez, whose $3-a-day “savings” led to $47,000 in uncovered losses—bring the data to life. The book traces Florida’s history of reactive reform and shows why 65% of attempts fail. At the same time, it offers a principle-based framework that addresses root causes instead of symptoms. Readers gain insight into why markets repeatedly lurch from calm to collapse, and how reforms can succeed if they account for real human behavior. Both a warning and a roadmap, Drowning in Denial is essential reading for anyone who wants to survive—and fix—what’s coming.