Gov. Ron DeSantis expects lawmakers will once again make changes in Florida’s property-insurance system sometime this year, at the latest after the November elections.

Thankfully, DeSantis did not include property insurance issues as part of a special session that he called Tuesday on congressional redistricting, leaving a decision on insurance to legislative leaders. But he said more legislative action is needed after lawmakers passed a property insurance bill in 2021.

Property insurers have sought major rate increases and shed customers in order to reduce financial risks, with two insurers recently placed into state receivership.

In addition to rate increases and less coverage, DeSantis is looking to push more legislative reforms. Insurance Companies are asking for many changes, including requiring roof-only deductibles, allowing HO policies to pay actual cash value for damaged roofs, instead of full replacement as is now required for many homes. Other ideas include limiting the attorney fees that the insurance companies pay out in order to limit litigation. The effect of limiting attorney fees and litigation is that insurance companies will go unchecked and unchallenged when they delay, deny or under pay claims.

DeSantis said during a state Cabinet meeting Tuesday. “You know, we may have another bite of the apple very, very shortly. But we need to just understand that there is going to be a need for the Legislature to do more.”

DeSantis told reporters after the meeting that any changes “will not wait until the actual session in 2023. It will be done this year.”

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