TALLLAHASSEE — Florida Insurance Commissioner Mike Yaworsky today is requiring additional data from insurers to be submitted to the Office of Insurance Regulation and is directing insurers to make sure they are following the law. OIR is issuing an informational memorandum to remind insurers of the need to properly evaluate property damage claims caused by the peril of water and the peril of wind sustained during the 2024 Hurricane Season. The Office recently learned of potentially concerning behavior relating to anti-concurrent causation policy language and the explicit avoidance of applying coverage for policyholders. Commissioner Yaworsky expects insurers, before denying a total loss claim, to be mindful and make sure the company is following the law. OIR’s informational memorandum also requires residential property insurers to report certain flood-related information to the office.
Insurance Commissioner Mike Yaworsky said, “The Office of Insurance Regulation is examining data from companies to ensure that there is no abuse with the exemption process when determining total loss claims, especially for policyholders impacted by repeated hurricane damage during the 2024 Atlantic hurricane season. If our office finds explicit abuse and failure to comply with Florida law, OIR will take additional regulatory action.”
During the 2024 Atlantic Hurricane Season, three hurricanes impacted Florida causing significant and, in certain areas, repeated damage by both wind and storm surge. The Florida Department of Financial Services’ Division of Consumer Services receives intake of consumer complaints regarding insurance matters. DFS has received a significant number of flood-related consumer complaints relating to timely payment of claims, inaccurate claims payments and post-claims underwriting.
OIR’s informational memorandum is requiring the reporting of information about National Flood Insurance Program’s Write Your Own policies and reminds insurers of the need to properly evaluate claim determinations when damage is caused by the peril of water and the peril of wind, commonly referred to as concurrent causation. While the office recognizes case law surrounding concurrent causation and anti-concurrent causation policy language, it is not a mechanism to handle claims poorly. Claims that trigger concurrent causation must be well documented and determined in accordance with Florida law. As in all cases, violations of the law, improperly handled claims involving concurrent causation will result in administrative action and restitution to the consumer.
OIR’s Market Regulation Bureau will review information from all three storms that made landfall during the 2024 Atlantic Hurricane Season, as well as the accuracy of insurers’ claims determinations—including information stemmed from the concurrent causation doctrine and anti-concurrent causation policy language.
To view the informational memorandum, click here.
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2025 ELECTION RESULTS
City Commission Seat 3:
Tristan Grunder (Incumbent): 587
Julie Ann Tapia-Ruano: 279
Questions on the Ballot:
No. 1
Charter Amendment
Updating Commission Seat Information
Shall the Charter be amended to remove the names of former commissioners that previously held the seats and designate when the current term ends for each Commission seat?
Yes: 615
No: 182
No. 2
Charter Amendment
Updating Commission Salaries
Shall the City’s Charter be updated to allow for the salary of commissioners to continue at the same rate for the subsequent fiscal year in the event the commission does not act to change or continue their salaries?
Yes: 647
No: 172
No. 3
Charter Amendment
Updating Term Limits for the Mayor
Shall the City’s Charter be updated to limit the Mayor’s term to one year or until such time that a successor is elected and that no commissioner shall hold the position of Mayor for consecutive terms unless by a supermajority vote of the then-sitting commission?
Yes: 576
No: 244
No. 4
Charter Amendment
Updating Notice for Special Called Meetings and Definition of Special and Emergency Meetings
Shall the City’s Charter be updated to require not less than three days’ notice for special meetings and define special meetings and emergency meetings?
Yes: 717
No: 101
No. 5
Charter Amendment
Disallowing Single Individual from Holding the Position of City Manager and City Clerk
Shall the City’s Charter be amended to delete the provision that allows a single individual from serving as both the City Manager and the City Clerk?
Yes: 659
No: 154
No. 1
Code Amendment
Amending On-Premises Alcoholic Consumption Hours and Business Classifications
Shall Sections 10-2(c)-(e) of the City’s Code of Ordinances be amended to permit businesses that derive 51 percent of its gross revenue from the sale of food and nonalcoholic beverages, and breweries, businesses that manufacture malt beverages on site, with a beverage license to sell alcoholic beverages and malt beverages, respectively, for on-premises consumption Monday through Saturday from 7:00 a.m. to 12:00 a.m., and Sunday from 1:00 p.m. to 10:00 p.m.?
Yes: 622
No: 206


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