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Are Florida's home insurance reforms helping homeowners?

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Are Florida's home insurance reforms helping homeowners?


As Florida’s homeowners dispute insurance denials from last year’s hurricanes, state reforms intended to improve service and bring down our bills are coming under scrutiny.

The backstory:

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In 2022, the Florida Legislature and Gov. Ron DeSantis made it harder to sue home insurance companies and offered those companies additional state-backed reinsurance – state money to subsidize the private market.

Before this passed, some lawmakers doubted subsidies for the insurance companies and making it harder for consumers to sue them would help consumers.

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“It’s corporate welfare. It’s only helping big businesses, and my constituents are not going to feel any relief as a result of it,” said Michael Grieco, who served as a Democratic state representative from 2018-22.

READ: Home insurance nightmares continue months after 2024 hurricanes

Then in 2023, then-presidential candidate Donald Trump claimed DeSantis delivered the biggest insurance bailout in history and crushed Florida homeowners whose houses were destroyed. Trump claimed Florida’s insurance commissioner did nothing, while Floridians’ lives were ruined.

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For context, Trump and DeSantis were running against each other at the time.

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State lawmakers said it would take more time for their changes to pay off. They said we would need to wait a year and a half to see the results.

However, homeowners reported their premiums continued to rise through 2023.

For example, in Pinellas County, Dave Lesko’s home insurance bill increased from $5,500 to $7,500 in 2023, after he had renovated and bolstered it with stronger windows. Then in 2024, his bill rose to $17,000.

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Dave Lesko says his insurance bill rose to $17,000 in 2024. It was $5,500 in 2022 and $7,500 in 2023.

“I thought so at first I read the number wrong. I had to get my glasses and double-check, but it’s correct and it’s actually a 120% increase from last year,” Lesko said.

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Then Florida took hits from Hurricanes Debby, Helene, and Milton.

And Weiss Ratings found a sharp increase in damage claim denials compared to prior storms in prior years.

“Some of the bigger providers in the state have denial rates close to 50%, so half of the claims are being denied,” said Weiss Ratings founder Dr. Martin Weiss.

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Weiss Ratings shows 14 property insurers in Florida closed more than half their claims in 2024 with no payments. Weiss notes that does not include claims that fall outside the policy’s coverage (like mistakenly filing flood claims on a home policy).

Florida home insurance: Reviewing the impact on state reforms

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In Washington, U.S. Republican Senator Josh Hawley flagged the rise in denial rates in calling for a congressional investigation.

The Republican Governor of Louisiana, Jeff Landry, cited Florida’s reforms as a model for what not to do.

“They tried wholesale tort reform that insurance companies said would lower rates in Florida and today, policyholders in Florida struggle to get the very claims paid on the policies they paid for,” Gov. Jeff Landry said.

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The other side:

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Florida’s insurance commissioner disagrees. Michael Yaworsky notes more insurance companies are doing business in Florida. He said rates have leveled off in Florida, and some are going down.

“We are seeing that stability has emerged throughout the marketplace,” Yaworsky said.

The Source: Information for this story was gathered by FOX 13’s Craig Patrick.

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Florida Lottery Fantasy 5, Cash Pop results for April 19, 2026

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Florida Lottery Fantasy 5, Cash Pop results for April 19, 2026


The Florida Lottery offers several draw games for those hoping to win one of the available jackpots.

Here’s a look at the winning numbers for games played on Sunday, April 19, 2026.

Winning Fantasy 5 numbers from April 19 drawing

Midday: 06-09-19-34-35

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Evening: 08-09-12-25-31

Check Fantasy 5 payouts and previous drawings here.

Winning Cash Pop numbers from April 19 drawing

Morning: 03

Matinee: 08

Afternoon: 04

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Evening: 01

Late Night: 07

Check Cash Pop payouts and previous drawings here.

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Powerball, Mega Millions jackpots: What to know in case you win

Here’s what to know in case you win the Powerball or Mega Millions jackpot.

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Just the FAQs, USA TODAY

Winning Pick 2 numbers from April 19 drawing

Midday: 4-0, FB: 3

Evening: 0-6, FB: 6

Check Pick 2 payouts and previous drawings here.

Winning Pick 3 numbers from April 19 drawing

Midday: 2-9-1, FB: 3

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Evening: 3-7-0, FB: 6

Check Pick 3 payouts and previous drawings here.

Winning Pick 4 numbers from April 19 drawing

Midday: 9-7-8-0, FB: 3

Evening: 3-6-7-8, FB: 6

Check Pick 4 payouts and previous drawings here.

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Winning Pick 5 numbers from April 19 drawing

Midday: 3-9-3-5-1, FB: 3

Evening: 1-3-1-8-7, FB: 6

Check Pick 5 payouts and previous drawings here.

Where can you buy Florida Lottery tickets?

Tickets can be purchased in person at any authorized retailer throughout Florida, including gas stations, convenience stores and grocery stores. To find a retailer near you, go to Find Florida Lottery Retailers.

Feeling lucky? Explore the latest lottery news & results

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Are you a winner? Here’s how to claim your prize

  • Prizes of $599 or less: Claim at any authorized Florida Lottery retailer or Florida Lottery district office.
  • Prizes for $600 to $1 million: Must be claimed in person at any Florida Lottery district office for games that do not offer an annual payment option.
  • Prizes greater than $1 million and all prizes with an annual payment option: Must be claimed at Florida Lottery headquarters, except Mega Millions and Powerball prizes, which can be claimed at any Florida Lottery district office.

You also can claim your winnings by mail if the prize is $250,000 or less. Mail your ticket to the Florida Lottery with the required documentation.

Florida law requires public disclosure of winners

If you’re a winner, Florida law mandates the following information is public record:

  • Full name
  • City of residence
  • Game won
  • Date won
  • Amount won
  • Name and location of the retailer where the winning ticket was purchased.

When are the Florida Lottery drawings held?

  • Powerball: 10:59 p.m. Monday, Wednesday and Saturday.
  • Mega Millions: 11 p.m. Tuesday and Friday.
  • Florida Lotto: 11:15 p.m. Wednesday and Saturday.
  • Jackpot Triple Play: 11:15 p.m. Tuesday and Friday.
  • Fantasy 5: Daily at 1:05 p.m. and 11:15 p.m.
  • Cash Pop: Daily at 8:45 a.m., 11:45 a.m., 2:45 p.m., 6:45 p.m. and 11:45 p.m.
  • Pick 2, 3, 4, 5: Daily at 1:30 p.m. and 9:45 p.m.

This results page was generated automatically using information from TinBu and a template written and reviewed by a Florida digital producer. You can send feedback using this form.



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South Florida faith leaders call for Miami mental health center to finally open

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South Florida faith leaders call for Miami mental health center to finally open


On Monday, more than 800 faith leaders and community activists from across South Florida, crowded into the Corpus Christi Catholic Church in Miami to demand the Miami Dade County Commission move forward with opening the Miami Center for Mental Health and Recovery.

“Are we OK with being told to wait when lives are on the line?” said Quanda Dupree, of the St. Peters Missionary Baptist Church. “Or do we believe real accountability means keeping your word? Even when things aren’t guaranteed. We believe our communities deserve more than a delayed response. We deserve action.”

The center – which was promised to voters back in 2004 – would take mentally ill individuals out of the jail and move them into a place where they can receive comprehensive treatment and support. The county has spent more than $50 million renovating the building and two years ago, a pair of non-profit groups were selected to operate the facility while numerous local groups and agencies have pledged their support, including the Homeless Trust. Funding for the first two to three years of the center is already in place.

And yet, the center remains empty – not helping anyone.



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SNAP benefits will be changing in Florida starting Monday

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SNAP benefits will be changing in Florida starting Monday


New SNAP restrictions will start Monday in Florida.

What we know:

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These changes will ban the purchase of many sugary sodas, energy drinks, candy and ultra-processed, shelf-stable prepared desserts.

Hunger Free America, an advocacy group, is against these restrictions.

Joel Berg, the CEO, said some regulation is a good thing, but he wants to see it support access to healthy foods as a choice.

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“We do support mandates to mandate that healthier food is available in stores that do accept SNAP,” Berg said. “So, it makes a lot more sense to make it easier to get healthier food.”

Berg said these restrictions are unnecessary in achieving a healthier America.

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“We should make America healthier again by making healthy food more affordable, convenient and physically available,” Berg said. “We shouldn’t micromanage the eating patterns of adults to try to achieve that goal.”

The other side:

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This is part of the Make America Healthy Again initiative.

U.S. Secretary of Agriculture Brooke Rollins said, “Under the MAHA initiative, we are taking bold, historic steps to reverse the chronic disease epidemic that has taken root in this country for far too long.”

What they’re saying:

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Berg said that these changes, on top of cuts to the program nationwide, will increase hunger.

“It’s not that low-income Americans don’t want healthier food; it’s that they can’t afford healthier food,” Berg said.

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This coincides with the announcement that there will be cuts to WIC, the Special Supplemental Nutrition Program for Women, Infants and Children, which supplies food to mothers and young children.

“President Trump’s budget just announced that he’s proposing taking away fruits and vegetables from the WIC program for pregnant women and children under five,” Berg said. “So, they’re taking away healthier food.”

The WIC cuts would take away $1.4 billion in fruit and vegetable benefits from 5.4 million people.

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Big picture view:

The SNAP changes come as part of the MAHA movement and include more than 20 other states that will implement changes over the next two years.

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The Source:  Information in this story comes from WIC, SNAP and interviews done by Fox 13’s Danielle Zulkosky.

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