AI and Insurance Policy Interpretation After Snell v. United Specialty: What Policyholders Need to Know
AI and Insurance Policy Interpretation After Snell v. United Specialty: What Policyholders Need to Know

The decision by the U.S. Court of Appeals for the Eleventh Circuit in Snell v. United Specialty Insurance Co. will be cited often for its holdings on policy interpretation and insurance applications under Alabama law. Perhaps the most groundbreaking analysis, likely to have long-term ramifications…
NAIC ANNOUNCES 2026 CONSUMER LIAISON REPRESENTATIVES
NAIC ANNOUNCES 2026 CONSUMER LIAISON REPRESENTATIVES

he National Association of Insurance Commissioners (NAIC) recently named 43 consumer liaison representatives for 2026. NAIC Members have long valued the voices of consumer representatives, who provide unique perspectives and insights in the NAIC’s proceedings. Regulatory policy work informed by a variety of stakeholders leads…
Soaring profits are ‘fueling tremendous anger’ among consumers as insurance rates skyrocket across the US. Here’s how to keep a lid on your premiums
Soaring profits are ‘fueling tremendous anger’ among consumers as insurance rates skyrocket across the US. Here’s how to keep a lid on your premiums

An insurance premium that ratchets up almost $1,000 over a few years is the kind of unwelcome surprise that every homeowner dreads, but that’s what happened to Cliff and Laura Pasquello, now of North Carolina, when they owned a home in Pennsylvania. “We had only…
Proposal to require state oversight of insurance affiliate payments clears first hurdle in Legislature
Proposal to require state oversight of insurance affiliate payments clears first hurdle in Legislature

Property insurance companies would face increased scrutiny by state regulators over payments they make to parent and affiliate companies — which critics say can be used to cloud profits and justify rate increases — under a bill unanimously supported by a House insurance committee. Supporters…
Proposal to require state oversight of insurance affiliate payments clears first hurdle in Legislature
Proposal to require state oversight of insurance affiliate payments clears first hurdle in Legislature

Property insurance companies would face increased scrutiny by state regulators over payments they make to parent and affiliate companies — which critics say can be used to cloud profits and justify rate increases — under a bill unanimously supported by a House insurance committee. Supporters…
The 16% Homeowner Trap: Why Major Insurers are Quietly Canceling 2026 Policies This Week
The 16% Homeowner Trap: Why Major Insurers are Quietly Canceling 2026 Policies This Week

If you’ve lived in your home for a decade without ever filing a claim, you might think your “renewal” notice is a formality. But this week, thousands of homeowners in states like California, Florida, and Texas are receiving a different kind of letter: a non-renewal…
Rep. Carter Introduces Bill to Retroactively Restore Flood Insurance Coverage and Retain Current Rates for Policyholders Impacted by Republican Shutdown
Rep. Carter Introduces Bill to Retroactively Restore Flood Insurance Coverage and Retain Current Rates for Policyholders Impacted by Republican Shutdown

WASHINGTON, D.C. – Today, Congressman Troy A. Carter, Sr. (D-LA) and Congressman Mike Ezell (R-MS), introduced H.R. 5848, theNFIP Retroactive Renewal and Reauthorization Act, legislation to backdate reauthorization of the National Flood Insurance Program (NFIP) to September 30, 2025, while extending the program’s authorization until…
Where We Stand: A Homeowners Insurance Bill of Rights
Where We Stand: A Homeowners Insurance Bill of Rights

The increasing frequency of extreme weather events, combined with the rising cost of repairs and building materials, has destabilized the home insurance market. Homeowners increasingly face skyrocketing premium prices, and many are losing coverage as insurance companies pull out of regional markets altogether. At the…
Special Event: United Policyholders webinar to bring Roadmap to Recovery® guidance and answers for households impacted by Hurricane Milton before the one-year anniversary of the disaster
Special Event: United Policyholders webinar to bring Roadmap to Recovery® guidance and answers for households impacted by Hurricane Milton before the one-year anniversary of the disaster

 Sarasota, FL – With support from the Community Foundation of Sarasota County’s Suncoast Disaster Recovery Fund, the non-profit United Policyholders (UP) announced today that it will host a webinar on September 17th, 2025 in advance of the one-year anniversary of Hurricane Milton where an expert…
Florida Peninsula Insurance announces rate reduction request that will benefit ‘about 80,000 policyholders’
Florida Peninsula Insurance announces rate reduction request that will benefit ‘about 80,000 policyholders’

Florida Peninsula Insurance is seeking a rate reduction of 8.4% on homeowners policies and 12% on condo policies, according to an announcement from the Boca Raton-based company. “Given that everything seems to be going up right now, the cost of living, food, housing and everything…
The INSURE Act: Could a New Federal Backstop Stabilize Home Insurance and Make Homes Insurable Again?
The INSURE Act: Could a New Federal Backstop Stabilize Home Insurance and Make Homes Insurable Again?

Across the country, homeowners are facing a home insurance crisis. Not only are premiums on the rise, but the policies themselves are becoming harder—and in some places, nearly impossible—to find. In states vulnerable to natural disasters like California, Florida, Texas, and Louisiana, major insurers are…
Schiff revives INSURE Act to create federal reinsurance program
Schiff revives INSURE Act to create federal reinsurance program

US Sen. Adam Schiff (D-Calif.) has reintroduced the Incorporating National Support for Unprecedented Risks and Emergencies (INSURE) Act, legislation aimed at addressing instability in the residential insurance market through the creation of a federal catastrophic reinsurance program. The bill proposes a federally backed reinsurance mechanism…
Sen. Schiff Introduces Bill to Stabilize Insurance Market, Protect Homeowners from Increased Costs of Natural Disasters
Sen. Schiff Introduces Bill to Stabilize Insurance Market, Protect Homeowners from Increased Costs of Natural Disasters

Washington, D.C. — Today, U.S. Senator Adam Schiff (D-Calif.) introduced the Incorporating National Support for Unprecedented Risks and Emergencies (INSURE) Act, legislation to stabilize the home insurance market by creating a federal catastrophic reinsurance program. This bill will help keep insurance premiums affordable and provide…
Risky business: More insurers willing to back Florida property, but how healthy are they?
Risky business: More insurers willing to back Florida property, but how healthy are they?

Since the Florida property insurance market nearly became its own catastrophe a few years ago, this hurricane season arrived June 1 with 12 new insurers ready to help Floridians weather what’s coming. Those new entrants were announced as a sign that the market forces that had been pushing Florida’s insurance…
Community Foundation of Sarasota County awards more than $1 million for hurricane recovery
Community Foundation of Sarasota County awards more than $1 million for hurricane recovery

The Community Foundation of Sarasota County recently awarded $1,050,046 through its Suncoast Disaster Recovery Fund to 17 nonprofits that support individuals who have faced hardship in the wake of Hurricanes Ian, Debby, Helene and Milton. “Last year’s hurricane season left our community reeling – destroying…
Panel to consider board certification in insurance coverage law
Panel to consider board certification in insurance coverage law

The Bar’s Program Evaluation Committee later this week will consider a proposal to create a new “Insurance Coverage Law” board certification area. The Board of Legal Specialization Committee narrowly approved the proposal, 8-6, in January, after asking sponsors in November to revise certain standards. Covering…
California Insurance: Intervening, Interfering
California Insurance: Intervening, Interfering

In insurance circles Florida and California have the dubious distinction of being perennial problem children for home and auto insurance. In both states insurance markets have been severely disrupted by unique factors unknown in any other state. In Florida, the disruptor was litigation gone wild.…
Putting Florida more in line with national practices
Putting Florida more in line with national practices

Stacey Clark walks around her Bethel Creek home with her dog Sweetie on Oct. 15 after a tornado tore through her home Oct. 9 before Hurricane Milton passed through the area. Clark was in her home with Sweetie when the tornado ripped her roof off.…