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As much as everyone is willing to find anything disparaging for Florida, there’s more here to take away. California is in the same situation and ultimately every State will come to face this.
The underlying issue is climate change. Insurance bets long and with the climate changing on an almost yearly basis now, there isn’t a long game to play. If the various leaders of this planet do not act on this challenge the long term cost is only going to go up.
Florida and California are just the heralds, this IS ABSOLUTELY coming to every doorstep on this planet.
One major difference between Florida and California; Florida passed laws banning policies based on climate change. As in, the government there cannot plan for it, and insurers have to pretend it's not happening to operate in the state.
So the insurers have decided to pull out of the state completely.
The state government under DeSantis is telling Florida "this is normal" while streets melt and the world burns.
Wait bruh WTF? What the shit is this?
From this year;
https://www.reuters.com/business/sustainable-business/desantis-signs-sweeping-anti-esg-legislation-florida-2023-05-02/
From last year;
https://www.tampabay.com/news/florida-politics/2022/03/12/floridas-statewide-climate-change-response-ignores-cause/
This one briefly mentions the legislature "shoring up" the insurance market;
https://www.msn.com/en-us/money/insurance/florida-insurance-crisis-explained-why-multiple-insurers-are-leaving-state/ar-AA1dLmbc
That "shoring up" sort of told insurers to pretend that climate change isn't real.
And here's one from Time that basically sums up DeSantis' environmental policy;
https://time.com/6288683/florida-desantis-environment-climate-change/
Will these insurance companies claim climate change is an existing condition and refuse to cover it? Lol
The difference is there will still be a place called California at the end. Florida will be 80% submerged in 2 centuries.