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January 2, 2022 By Rick Rolfs

Home Insurance Rates Are Skyrocketing in Florida. Here’s Why.

Despite legislative reforms passed during the 2021 Legislative Session, Florida’s homeowners have continued to see dramatic property insurance rate increases. At the same time, the insurance industry is losing billions to unnecessary lawsuits from third-party contractors. In the first three quarters of 2021, financial results show that property insurance had $1.22 billion in underwriting losses.1

So, what does this have to do with your property insurance rates going up? Everything.

Florida’s insurance marketplace has been plagued by unscrupulous cottage industries whose business model is capitalizing on consumers’ insurance policies. Bad actors in the construction, roofing, public adjusting, and legal industries have used abusive solicitation and marking tactics to manipulate the claims process for their benefit.

Only 8.15% of all U.S. homeowners claims were opened in Florida in 2019. Yet, Florida accounted for more than 76 percent of property claim lawsuits in the U.S.2

Between 2013 and 2020, Florida’s property insurers paid out fifteen billion in claims costs. Only eight percent of that was paid to consumers, while 71% was paid to attorneys.3

In 2020, Florida’s homeowners paid $651 more than people in nearby states like Georgia and Alabama. This year, that gap is projected to grow to $866.

The cost of bad actors and third parties filing false or inflated insurance claims is passed along to all of us.

Tasha Carter, Insurance Consumer Advocate

If you’re one of the thousands of homeowners in Florida who can’t afford property insurance rate increases, NOW is the time to tell your elected officials to ACT.


1. Guy carpenter Industry Financial Reporting
2. National Association of Insurance Commissioners (NAIC) Market Conduct Annual Survey (MCAS) Report
3. Florida's P&C Insurance Market: Spiraling Towards Collapse
Information provided by the Florida Association for Insurance Agents

Filed Under: Home Insurance, Newsletter articles Tagged With: bad actor, claim inflation, claims, cost of insurance, false insurance claim, Florida, home insurance, homeowners insurance, Insurance expense, Insurance Rate, Property Insurance, Public adjuster, public adjusting, Rate increase

June 5, 2021 By Rick Rolfs

Hurricane Preparation & Resolution | A Plan for Before & After the Storm

Hurricane preparation is frequently on the minds of Floridians as hurricanes are often racing towards our shoreline. When under a hurricane warning or hurricane/tropical storm watch, the forecast track may put us all in peril as the looming storms threaten property damage, mass power outages and communications breakdowns.

Hurricane preparation prior to a storm arriving.

Clear the immediate area of debris that could potentially become airborne. Install hurricane shutters, and take photographs to illustrate the quality of your property prior to damage caused by a storm. Safeguard and prepare beforehand when the threat of a disastrous storm is imminent.

In the wake of a storm’s passing, if property damage has occurred:

  1. Take immediate steps to keep additional loss from happening.
  2. Take photographs evidencing the property damage.
  3. Save all receipts and keep track of all expenses associated with securing the property from additional damage.
  4. Immediately report the loss to your agent, or if communications and electricity are unavailable, report directly to the insurer.

Additional tips & related safety information may be found at The United States Department of Homeland Security website https://www.ready.gov/hurricanes.

Listed below are the claims phone numbers for many of the insurers that we represent.

In the event that we are not contactable please call your insurer directly to report the loss as it is imperative that claims be reported immediately.

AIG1-888-760-9195
American Bankers Insurance Company1-800-654-4895
Anchor Insurance1-844-365-5588
Bankers Insurance Group1-800-765-9700
Burns & Wilcox813-558-9560
Chubb1-800-252-4670
Citizens1-866-411-2742
Edison Insurance Company888-683-7971
Elements Property Insurance Company1-866-709-8749
FedNat1-800-293-2532 & press 2, followed by 2
Florida Peninsula866-549-9672, option 3
Frontline1-800-675-0145
Geovera1-800-735-8086
Heritage Property & Casualty1-855-415-7120
Homeowners Choice1-866-324-3138
Intact Specialty1-877-248-3455
Ironshore1-800-466-9165
Lexington Insurance Company1-800-931-9546
Mercury1-800-503-3724
MetLife1-800-854-6011
National Specialty Insurance Company844-878-2567
Olympus Insurance Company1-866-281-2242
Onebeacon Entertainment1-877-248-3455
Progressive1-800-776-4737
ProSight Specialty Insurance Company1-800-774-2755
Pure1-888-813-7873
Safeco1-800-332-3226
Safehold Special Risk1-800-842-8917
Safepoint Insurance1-855-252-4615
Scottsdale Insurance Company1-800-423-7675
Southern Oak Insurance Company1-877-900-2280
Tower Hill1-800-342-3407
Travelers Insurance Company1-800-238-6225
United Property & Casualty Insurance Company1-888-256-3378
Universal Insurance Company of North America1-866-999-0898
Universal Property and Casualty Insurance Company800-470-0599
Vault1-844-388-5677
Velocity Risk Underwriters844-878-2567
Weston Insurance1-877-505-3040
Wright Flood Insurance Group1-800-725-9472

Filed Under: Hurricane Season, Newsletter articles, Storm Preparation Tagged With: Auto Insurance, flood insurance, Florida, Hurricane, Hurricane Warning, Insurance, Insurance Claim, Insurance Claim Phone Number, Property, Property Insurance, Shutters, South Florida, Storm Forecast, Storm Preparation, Storm Season, Tropical Storm Watch

Call Rolfs Insurance Services to get an informed choice that provides peace of mind,
and the knowledge that you have proper financial protection in place — 954-251-3312

Contact Info

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10011 Pines Blvd
Suite #201
Pembroke Pines, Florida 33024
954-251-3312 office
954-241-6772 fax

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