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Florida's last-resort insurer is looking to ask regulators for an average statewide rate increase of 10.4 percent for personal residential multiperil and wind-only policies combined in 2011.

There really is no season of disasters, but it does seem that spring and summer, from mid-March to the beginning of fall, is when we receive the most "gifts" from Ma Nature.

Florida's personal and commercial residential property insurance market today consists mostly of small domestic insurers, Citizens Property Insurance Corp. and State Farm Florida Insurance Co.

If you don't know what you want, that's exactly what you get, and many business owners don't know what they want or need in a Business Owners Policy. This lack of understanding is a gap that must be closed.

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

Neither the Florida Senate nor the House seem able to achieve consensus on the numerous insuranced-related bills floating around Tallahassee.

Florida's top insurance regulator told his bosses at the March 23 cabinet meeting that the state's property insurance market remains fragile despite no hurricanes hitting the state of Florida for the last four years.

Florida has experienced unprecedented public adjuster involvement in first-party property insurance claims over the last several years.