On the heels of certain reforms in Florida’s 2013 Legislative Session, the James Madison Institute and the R Street Institute released a policy study that outlines pragmatic reforms that would have a meaningful effect on stabilizing the Florida property insurance market without requiring big hikes in primary insurance rates. 

The study — titled “Ten Reforms to Fix Florida’s Property Insurance Marketplace – Without Raising Rates” — reports that, despite storm risks, Florida has seen its population and its built environment grow dramatically; growth has increased the state’s coastal exposure by $2.9 trillion, the most of any state. 



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