Financing future storms with debt seems popular with people who are getting lower rates today. That tune changes when the bill comes due.

The Saffir-Simpson scale has long been the guidepost by which people decide how to respond to an approaching storm. A new guy in townIKEhas some researchers excited.

Subrogation is an unfamiliar word to policyholders, but that doesnt mean we shouldnt use it. In fact, it is a word we should use often, along with an explanation of how and why it works and the benefits to policyholders.

Consumers are being told that SB 408 will suddenly allow for large homeowners premium rate hikes because of reinsurance costs. We need to tell them the real story, starting with why reinsurance is important to everyone.

People who pay off their mortgages and then decide to go bare with a homemade brand of self-insurance are taking a huge gamble, trading a small amount of premium dollars for a major financial risk.

Finally, something consumers and carriers can agree onthe need to put the brakes on auto PIP fraud. However, the how and why of the impact of this type of fraud on all drivers still needs explained to the public.

Citizens Property Insurance Corp., the behemoth state-run property insurer, has a reputation that reaches far beyond Floridas shores. Leaders from neighboring coastal states call it Floridas folly to grow what is, essentially, socialized property insurance.

Everyone loves the idea of a discount, and few things are easier to love than a discount on insurance. A state-mandated discount on property insurance surely feels right even if its wrong.