TALLAHASSEE, Florida — Some tweaks are still needed from insurance-related reforms of the past couple of years, Insurance Commissioner Mike Yaworsky said this week, but the overall home and auto markets have stabilized.

As the Office of Insurance Regulation opened a two-day summit Wednesday at Florida State University’s Turnbull Conference Center, Yaworsky gave a “B” grade to the results so far to the legislative changes.

“We still have work to do. Consumers still … need to be able to feel the ramification of reforms, and that just takes time,” Yaworsky said. “It took eight years for us to go from a relatively healthy market in 2014 to a market on the brink of collapse in 2022. And so, it's taking time to pull out of that.”

He based the current grade on the industry having to dig out of an “F” in 2022.

“A couple of years ago … there were fewer, fewer carriers willing to even consider writing,” Yaworsky said. “Reinsurers were, if they were even willing to offer any capital, it was basically almost ‘you pay $93, and we'll give you $100 worth of coverage’.”

Legislators passed major changes in the past few years that eliminated one-way attorney fees and banned assignment of benefits, where contractors would take over policyholder claims. The efforts also imposed larger rate increases for customers of the Citizens Property Insurance Corp. to bring rates closer to private carriers and reduce the number of policies held by the state-backed insurer.

Yaworsky said the state will look to increase “transparency” so policyholders can see how their carriers are spending money on items such as reinsurance and claims payments, and to better include building code changes into rate assessments.

He noted that current building code requirements were on display when Hurricane Milton made landfall in Sarasota County in Oct. 2024. An initial projection of potential losses from the storm approached $30 billion. So far, the losses are around $6 billion, Yaworsky said.

“We see a lot of buildings now exceeding the building code, and we want to make sure that that's being recognized so consumers get it at a discount,” Yaworsky said.

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Sadly for some time we see a number of sellers who are not keeping up with the changes locally; often putting their homes on the market and selling them for less than what the market can bear.  Additionlly; selling a home the first day on MLS may not guarantee the best price for the seller / homeowner.  Please call Barry at 239-360-5527 for more information.

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Even with Hurricane Ian having passied thrugh Southwest Florida last year, as people continue to move and relocate to the general areas of Lee & Collier Counties; aka: Paradise Coast from other parts of the United States, it is important that we are able to directly serve all of the area; which we do, efficently.  We have the ability to offer many different Choices, Price-Points and Lifestyles all of which are in abundance here in SW FLA, 239RealEstateDeals.Com LLC has blanket coverage of Southwest Florida and most of Florida for that matter by being active members of four different MLS systems.  Additionally we have the latest cutting edge technologies in house with many systems in place to better serve our customers and clients who we represent.

Inventory remains steady, but is increasing overall; we do continue to list and market new South Florida property listings to the marketplace and we sell many different type homes; Resale & New Construction; Multigenerational Family Compounds, Single Family Homes, Villas, Townhomes and all Condo types, from low rise, to Waterfront high rise right on the Beach / Gulf Coast.  We have something for everyome from beach lovers, boaters, golfers, nature lovers to farmers and horse lovers.

We continue to see many people planning ahead, and buying that second home now, rather than waitiang as they were planning to do; especially with Snowmads and Zoombirds working from home.  Previously we had Snowbirds; interesting how terminology keeps changing / evolving.  Hurricane Ian prompted some buyers to start looking again, while other buyers had pulled back momentarily.

Interest rates increases have sadly driven some buyers out of the market place, we do see price reductions on some overpriced and / or under marketed listings.  Even with recent interest rate hikes, buyers are still looking, but showing more prudency than before as we Secure Real Estate Deals for them.  Properties are still selling as it trends towards a more balanced market.

Relatively low inventory overall is still a challenge for active buyers who are not prepared on some property types; but if prepared you are ahead of the game; ask how we can help with all of that.  We do see more listings coming to the market here in Southwest Florida, so, that is good.

We recently got a number amazing deals for buyers; even during the recent Hot Sellers Market; and we are working on others as our market changes a little having gone through a hurricane.  There are deals out there; if you work with us, we will definitely find them for you. 

For those relocating to Florida (and to other areas), we are pleased to be able to efficently assist homeowners in other parts of the United States who need to sell to buy here; please reach out today for more information and how you can have a smooth, non-stressful transition / relocation with the best available representation.  Call Barry at 239-360-5527.

At our Real Estate Team; Hoey Team 🍀 239RealEstateDeals.Com LLC ☘ we have been succesfully working 100% virtually / remotely for the past number of years; I'm thankful that we already had systems in place to better help sellers and buyer with goal posts continually moving within our industry / profession.

Article content from FR (Florida REALTORS) Newsletter Magazine, and from other sources including Hoey Team, 239RealEstateDeals.Com LLC & Freddie Mac / Fannie Mae - Make sure to ask us for more information on how it may effect you; Call Barry at 239-360-5527 ☘

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