The Heartland Institute, a national nonprofit research and education organization whose mission is to "discover, develop, and promote free-market solutions to social and economic problems," has issued its annual "2011 Property and Casualty Insurance Report Card" of all 50 states and Puerto Rico.
Florida, it says, fails miserably.
The report, which provides a state-by-state analysis of regulatory burden, gives Florida a letter grade of "F" and a numerical score of -35. Heartland has long been critical of Florida's insurance environment. This is the fourth year in a row that the Sunshine State has been placed in the lowest-ranking position.
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