The Capital Drain: Why Uncertainty - Not Hurricanes - Breaks Insurance Markets examines policy uncertainty, insurance capital, and predictable rules for a more stable Florida insurance market.

Reveals why Florida's insurance crisis stems from policy uncertainty, not hurricanes—explaining how political decisions drive capital away faster than any storm *Translates complex economic principles through vivid metaphors (poker in the dark, ducks quacking in different languages) that make market dynamics understandable to all readers *Provides actionable solutions based on global case studies and decades of legislative experience, showing exactly how to restore market stability *Demonstrates why predictable rules and pre-storm preparation beat post-storm politics, offering a clear path to sustainable, available insurance coverage