The state of Florida's homeowners insurance "problem" came into focus again this week. As a short summary, one small company (Peoples Trust, quite the name) has many homes that they insured in the path of Hurricane Ian. They have told homeowners it can take 10 months or more just to get an adjustor out their home. And the company policy says that repairs can only be done by one specific company (that is, no checks are issued for repairs, just the company makes repairs), after the adjustor visits.
Reaching their wits end, it being more than 10 months living with damage, some people went ahead and had repairs done. And what did the insurer do? They sued the homeowners for violating the terms of their policy. The homeowners are appealing to the state for help. But guess what? The COO of the company used to be Florida's insurance commissioner. I can't imagine that he's not "connected" - and that it's unlikely the state will do anything.
I am dumbfounded by this process. And these poor people just want to live in their undamaged houses, you know, like they did last year. Is that asking for too much?