I'm an engineer. When a system is broken, you don't argue about it — you measure it, find the driver, fix the driver, and then verify the fix with data. Florida's property-insurance market is the clearest case study I know of that method actually working. Here is the evidence, where District 90 stands today, and exactly what I'll do about it in Tallahassee.
The average Palm Beach County homeowner pays $6,323 a year for insurance with wind coverage — that's the state's own figure from the Office of Insurance Regulation's July 1, 2026 Stability Report. Statewide, insuring a $300,000 home runs about $6,060 a year (Insurify, via Spectrum News, July 2026), and Florida remains the most expensive state in the country for homeowners insurance — roughly twice the national average (Insurify, 2026).
And price is only half the squeeze. Florida has also led the nation in homeowners being dropped by their insurer: a 2.99% non-renewal rate in 2023, the highest in the U.S. and up 280% since 2018, per U.S. Senate Budget Committee data. A lower premium means nothing if no carrier will write your policy.
That's the bill on your kitchen table. Now the part most campaigns skip: why.
For years, Florida had a lawsuit problem, not a hurricane problem. In 2020, Florida generated 79% of all homeowners-insurance lawsuits in America — a wildly disproportionate share of the nation's litigation. Insurers priced that litigation into every premium, and many simply left.
Then the Legislature attacked the driver directly. In December 2022, SB 2A ended one-way attorney fees and assignment-of-benefits abuse. In 2023, HB 837 delivered broader tort reform. An engineer would call this "fixing the root cause" — and the data since is exactly what you'd expect if the diagnosis was right:
And here in Palm Beach County: about 26,000 Citizens policyholders received an average 11.9% rate cut for 2026 (Governor's office, Jan. 2026). Citizens itself had asked for only a 2.7% cut — regulators ordered 8.7%, more than triple the request and Citizens' first rate decrease since 2015 (Citizens Property Insurance; Insurance Journal, Jan. 2026). Citizens' policy count is down to 293,465 — the lowest in 25 years, from a peak of roughly 1.4 million in 2023 (FL OIR; WUSF), which shrinks the hurricane-tax assessment risk every Floridian carries after a big storm.
One more number, because it answers the obvious skeptic's question — "are these cuts sustainable, or will rates snap back?" Florida insurers' combined ratio was 83% in 2025, versus 94% in 2024 and 99% in 2023 (FL OIR, May 2026). Translation: the companies are profitable while cutting rates. The decreases are built on solid ground, not wishful thinking.
I show you the good numbers and the bad ones — that's the deal on this campaign. So here's the bad one: even after all that progress, we still pay about double the national average, and $6,323 a year is still far too much for a working family or a retiree on a fixed income. The system is trending the right way. It is not fixed. The job is half done.
A state representative doesn't set your premium. But the Legislature controls the four levers that do — and I'll be pulling all of them from inside the majority that writes the laws and the budget:
1. Defend the reforms that are working. Bills keep surfacing in Tallahassee to restore the fee-shifting rules that made Florida 79% of America's homeowners-insurance lawsuits. Roll those reforms back and the lawsuits, the exits, and the rate hikes come back with them. I will vote no, every time, and show you the data behind the vote.
2. Fund home-hardening grants that cut your premium this year. The My Safe Florida Home program offers up to $10,000 in matching grants for roof and window hardening — upgrades that earn mandatory premium discounts. The 2026 state budget directed roughly $405 million toward the programs — $378 million for homes plus $27 million for condos (Florida Realtors, 2026 Legislative Final Report). I'll fight to keep it funded so District 90 homeowners actually get their turn.
3. Keep shrinking Citizens the right way. Continue the glide path — like 2026's SB 1028 commercial-clearinghouse law — that moves policies back to the private market as carriers return, so a bad storm doesn't trigger assessments on every insurance bill in Florida.
4. Demand the savings reach you. When regulators more than tripled Citizens' requested cut from 2.7% to 8.7%, it proved public pressure works. I'll push OIR to keep passing reinsurance savings through to premiums and to publish transparent non-renewal data — because Florida's nation-leading non-renewal problem ends when carriers compete for your policy, not when politicians say it does.
This isn't abstract. The reforms that cut rates for 26,000 Palm Beach County households were written and passed by the legislative majority — and they'll be defended or dismantled by whoever sits in that room next. I'm asking for your vote to be District 90's seat inside that majority: an engineer who will protect what's working, fund what lowers your bill, and publish every number so you can check my work.
Disagree with a figure on this page? Send me a source and I'll fix it. That's how an engineer runs a campaign — and how I'll represent you.
Every figure on this page is sourced. Find an error? Send me the source and I will fix it.
Updated: 2026-09-04