Florida Homeowners Brace for Another Year Without Insurance Relief
As Florida’s legislative session reaches its midpoint, one message has grown impossible to ignore: homeowners should not expect any new insurance relief this year. Despite widespread frustration over soaring premiums, lawmakers appear firmly set on avoiding any new insurance reform for 2026.
A Growing Concern for Homeowners
For Floridians across the state, this lack of legislative action is more than a political footnote—it’s a financial turning point. Broward County resident Lisa Riggi shared the painful reality many families are living with.
“We’re looking at moving… it’s not affordable for us to stay here anymore,” Riggi told WPTV.
Stories like hers continue fueling debates over whether earlier reforms were enough to stabilize Florida’s increasingly fragile insurance market.
Republican Leaders Say the Market Is Improving
Senate President Ben Albritton maintains that lawmakers have already pushed through significant insurance reforms in recent years, especially targeting litigation and lawsuit abuse. Republican leaders argue these changes are finally beginning to settle into the system—and that the market simply needs time to correct itself.
Industry insiders share a cautiously optimistic outlook. Windward Risk Managers’ Stacey Giulianti even suggests that rate decreases could be on the horizon—if economic conditions stabilize.
“If inflation stays solid… you’re going to see rates come down again,” Giulianti said.
Democrats Push Back, Calling for Immediate Action
Senate Minority Leader Lori Berman expressed frustration over shelving all insurance proposals this session, including a bold plan for a multi-state risk-sharing compact requiring participation from at least 14 states.
Democrats have submitted 11 insurance-related bills this year—yet every one of them remains stalled under the Republican majority.
What Lawmakers Are Focusing on Instead
With insurance issues set aside, Florida lawmakers are redirecting their attention toward property tax relief—another financial strain impacting families statewide.
Why This Matters for Real Estate Professionals
Insurance volatility doesn’t operate in a bubble—it directly shapes Florida’s real estate landscape. For real estate professionals, mortgage advisors, and insurance agents, staying ahead of legislative trends is essential.
This is where Cameron Academy continues to support industry experts. Whether you’re renewing your professional license or expanding into a new field, our courses help you stay aligned with the ever-evolving regulatory environment shaping your career.
Story originally reported by WPTV. Article adapted for Cameron Academy readers.
More Articles
Getting licensed or staying ahead in your career can be a journey—but it doesn’t have to be overwhelming. Grab your favorite coffee or tea, take a moment to relax, and browse through our articles. Whether you’re just starting out or renewing your expertise, we’ve got tips, insights, and advice to keep you moving forward. Here’s to your success—one sip and one step at a time!
The greenhouse industry is entering 2026 with a complex wave of overlapping risks — from rising insurance costs and extreme weather to cyber threats, labor shortages, and unstable supply chains. These challenges aren’t isolated; they compound one another, increasing pressure on growers and business owners alike. Insights from industry experts reveal the key trends shaping risk management in the year ahead and what operators must do now to stay resilient.
New FDIC reporting rules are changing how banks classify and disclose commercial real estate loans, replacing the old Troubled Debt Restructuring label with clearer “financial difficulty” modifications and expanding transparency across structured products and capital requirements. These updates may briefly tighten lending but ultimately promise stronger liquidity, cleaner risk data, and more predictable CRE financing as banks adapt.
Artificial intelligence is no longer an upcoming trend—it's already reshaping how real estate professionals work, compete, and win. With the AI real estate sector set to surge from $222B in 2024 to nearly $1T by 2029, the industry is undergoing a rapid transformation in valuations, virtual tours, listings, investment analysis, and client management. Agents and investors who embrace AI tools are gaining unprecedented efficiency and insight, while those who resist risk falling behind.
The Federal Housing Finance Agency is weighing the idea of 50‑year mortgages, a move that could make monthly payments more affordable but dramatically increase total interest costs. Supporters say it may help young professionals break into the housing market, while critics warn it could trap families in half a century of debt. As the industry debates this controversial loan option, real estate and mortgage professionals must stay informed to guide clients through the shifting landscape.
December is shaping up to be another unpredictable month for mortgage rates. With the Federal Reserve signaling mixed messages, key economic reports running behind schedule, and lenders already looking ahead to 2026, rates could face upward pressure. Experts from Fannie Mae and the MBA project an average 30‑year rate around 6.3% for late 2025, suggesting a potential December bump. For real estate and mortgage professionals, understanding this volatility isn’t just helpful — it’s a competitive edge.
Sellers are cutting prices at record levels, delistings are surging to highs not seen since 2017, and buyers remain hesitant despite slightly lower mortgage rates. With affordability still strained and new construction slowing, the 2025 housing market is entering a deeper‑than‑usual winter slowdown marked by caution on all sides.
