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As in previous years, our December issue offers readers a retrospective of the topics we covered over these past 12 months.

When it comes to insurance in Florida, the focus for most of the last three years has been largely on the volatile nature of the state's property insurance market. But 2009 may have marked a turning point.

Asked recently to list some of the biggest factors behind rising insurance costs, Florida Insurance Commissioner Kevin McCarty named the usual suspects, including the rising price of reinsurance and the overall economic downturn.

We had sinkhole damage and, thankfully, had the proper insurance to cover the repairs. So, now I'm thinking of dropping optional sinkhole coverage since the damage has been done and it's unlikely to reoccur.

Florida's largest property insurer is showing little signs of getting smaller anytime soon.

When the Essex v. Zota decision was rendered in June 2008, the surplus lines industry was shaken to its very foundation by its implications.

A reader, R. L. Taylor of Renewable Energy Systems, Broomfield, Colo., wrote to ask about any cases relating to insurance for property leased out for hunting purposes--Taylor and his employer lease out

This has been a sad time for residents of our nation's heartland, after flooding caused the failure of numerous levees along the Mississippi River, creating untold damage, destruction and loss of