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As Florida's property-insurance market has crumbled and home values have soared, many homeowners have been dropped by private insurers and cannot qualify for Citizens coverage because of the $700,000 cap.

Homeowners can still recover prevailing-party fees if they file lawsuits directly against insurers, but the contractors cannot.

Saying the property-insurance market "remains in crisis," the state asked a federal judge to toss out a challenge to a law that places restrictions on roofers.

Tactics used by unscrupulous contractors allegedly trick homeowners into giving up certain rights under their insurance policy.

The annual average cost for home insurance in Florida is expected to surpass $4,230 this year, Triple-I reports.

A $2B reinsurance program shows commitment from the state, but fails to address capacity challenges, AM Best reports.

The insurer argued it couldn't retroactively apply the assignment to the contractor because the policy was issued before the new statute was passed.

Review the vital questions to ask when advising clients that rely on subcontractors.