A friendly breakdown of Don Brown’s commentary on why anger alone won’t solve our insurance problems

What the Article Says

Former Florida Representative Don Brown, who used to chair the House Insurance committee, wrote a piece saying that while Florida homeowners have every right to be frustrated with high insurance costs, getting angry isn’t going to fix the problem. He’s responding to another columnist who highlighted some pretty shocking facts – like insurance company CEOs making $21 million while homeowners struggle to pay their premiums.

Brown argues that Florida’s insurance mess comes down to three main issues: we live in a really risky place for hurricanes, people make predictable mistakes when buying insurance, and the state borrows money after disasters instead of saving up beforehand. He says the real solutions involve being honest about risk, rewarding people who make their homes safer, and building up reserves before storms hit.

What’s True, Exaggerated, or Missing

What’s definitely true: Brown’s right that Florida faces massive hurricane risk – we really do have over $3 trillion worth of coastal property that could get hit. The 78% underinsurance statistic is also accurate and alarming. Many families really are trying to save a few dollars a day by cutting coverage, which can be devastating when disaster strikes.

What feels incomplete: While Brown mentions “litigation abuse” as a problem, he doesn’t dive into what that actually means for regular homeowners. The recent legislative reforms he references have been a mixed bag – yes, some new companies entered the market, but many homeowners are still seeing rate increases and getting dropped by their insurers.

What’s missing context: Brown doesn’t address the elephant in the room that the other columnist raised – executive compensation. When insurance CEOs are making tens of millions while homeowners can barely afford coverage, that’s a trust issue that goes beyond just market mechanics. Also missing: the fact that many insurers failed recent “stress tests” but the state won’t tell us which ones, leaving families guessing about whether their company can actually pay claims.

What This Means for You as a Florida Homeowner

The bottom line: You’re caught between a rock and a hard place, and it’s not really your fault. You live in a beautiful but risky state, and the insurance market is still figuring itself out after years of chaos.

Here’s what you can actually do:

• Don’t underinsure to save money – Brown’s right that saving $3-5 a day on coverage can cost you everything if a storm hits. If money’s tight, look into payment plans rather than cutting coverage.
• Invest in home improvements that reduce risk – Hurricane shutters, roof reinforcements, and elevating your home can lower your premiums. Ask about financing options if the upfront costs are too much.
• Shop around, but be smart about it – With new companies entering the market, you might find better rates. But research any company thoroughly – you want one that will actually be there to pay claims. 
• If you decide to switch companies, wait until the policy is confirmed by the new carrier before cancelling your current policy. 
• Build your own emergency fund – Since the state’s approach of borrowing after disasters isn’t sustainable, having your own reserves for deductibles and temporary housing is crucial.

Sensational Language Translated

“Catastrophe stress tests”

What it sounds like: Some scary government exam

What it actually means: Regulators check if insurance companies have enough money to pay claims after a big hurricane

“Behavioral biases distort decisions”

What it sounds like: Academic jargon about people being irrational

What it actually means: We all tend to think “it won’t happen to me” and focus on saving money today rather than protecting ourselves tomorrow

“Post-disaster borrowing instead of pre-disaster capital”

What it sounds like: Complicated financial strategy

What it actually means: Florida waits until after hurricanes to figure out how to pay for damage, instead of saving money ahead of time

“Litigation abuse”

What it sounds like: Lawyers are the problem

What it actually means: Too many lawsuits over insurance claims, which drives up costs for everyone

“Risk is priced honestly”

What it sounds like: Insurance company excuse for high rates

What it actually means: Your premium should reflect the actual chance your home will be damaged, not artificially low rates that lead to company failures

Bottom Line from Sun Insurance

Look, we get it – you’re frustrated, and you should be. When you’re paying more for insurance while company executives make millions, it feels unfair because it is unfair. But here’s what we’ve learned from working with Florida families every day: the best way to protect yourself is to understand the game you’re playing.

Brown’s right about one thing – anger alone won’t fix this. But informed action can help you navigate it. We’re here to help you find coverage you can afford with companies that will actually be there when you need them. We’ll never sugarcoat the challenges, but we’ll always work to find you the best options available.

The Florida insurance market is still healing, and it’s going to take time. In the meantime, we’re committed to being your advocate and helping you make sense of all the noise. Because at the end of the day, this isn’t just about policies and premiums – it’s about protecting your family and your future in the place you call home.

Questions about your coverage or want to explore your options? Give us a call. We’re here to help, not to sell you something you don’t need.