Premiums keep climbing. Coverage keeps shrinking. The Florida Association of Public Insurance Adjusters calls it insurance shrinkflation, and its timeline of Florida policy changes runs more than three decades.
How Coverage Shrank
- 1992: percentage hurricane deductibles appear
- 1999 and 2000: collapse coverage cut, mold exclusions spread
- 2008: managed repair programs put the insurer’s contractors in charge of your repairs
- 2010 and 2011: sinkhole exclusions and separate deductibles, structure coverage dropped from Citizens policies
- 2012: other structures limits cut from 10 percent of the policy to 2 or 3 percent
- 2016 onward: water loss exclusions, roof payments cut to actual cash value, flooring sublimits, tear-out exclusions
- 2021 to 2025: mandatory roof replacement rules from some carriers, separate roof deductibles, 1 percent matching limits, and endorsements that try to keep policyholders from hiring a public adjuster at all
What To Check in Your Policy Before You File
- Your hurricane deductible percentage, and whether a separate roof deductible applies
- Whether your roof is paid at replacement cost or depreciated actual cash value
- Sublimits on water damage, flooring, and tear-out
- Any endorsement about managed repair or about hiring your own adjuster
The full timeline sits inside the 2027 consumer protection proposals: FAPIA consumer protection proposals (PDF). The proposals would ban policy terms that block a policyholder from hiring a licensed public adjuster. They are proposals for 2027, not current law.
Before you file an Isaias claim, have the policy read by someone who works for you. Start with our Hurricane Isaias claim guide and a Free 21-Point Storm Inspection. Free claim review: call 800.511.2240.