For the fifth year in a row, Florida -- considered a major segment of "hurricane alley" -- has avoided the devastating damages that come with the vicious storms.

On Nov. 16, Florida legislators returned to Tallahassee for a quick three-hour special session during which many hoped they would take up measures dealing with both workers' compensation and property insurance.

Citizens Property Insurance Corp. -- under fire for its handling of contracts -- will make some substantial changes to the way it does business by the end of the year.

The person who will be sitting in the governor's chair this coming January will face a myriad of challenges, not the least of which is Florida's troubled property insurance market and other insurance-related issues.

The Florida Hurricane Catastrophe Fund seems to be on solid footing this year with reduced exposure and adequate borrowing power. However, Citizens Property Insurance Corp. looks to be caught in a no-bid contract controversy

The fate of Florida's fragile property insurance market may depend heavily on what happens in the next round of elections in the Sunshine State.

The state-created reinsurance fund that is called the "backbone" of Florida's fragile property insurance market has returned to solid ground heading into the 2010 hurricane season.

Once again the fate of the property insurance market appears to be completely in the hands of Charlie Crist.