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Florida’s biggest insurer cuts over 600K policies after Hurricane Helene

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Florida’s biggest insurer cuts over 600K policies after Hurricane Helene


An property insurer of last resort in Florida is set to hand over hundreds of thousands of policies to the private sector later this month due to overwhelming demand.

Earlier this year, regulators in the Sunshine State approved proposals that would allow private insurers to take policies from the state’s Citizens Property Insurance Corporation. Citizens, which was created by the Florida Legislature in 2002, provides insurance to eligible Florida property owners unable to find insurance coverage in the private market. It is the largest insurer in the state.

On August 2, insurance commissioner Michael Yaworsky signed an order allowing 10 private insurance carriers to take on 413,808 policies from Citizens beginning in late October. According to a report by Florida Politics, in the last two weeks, a further 235,035 were approved for removal beginning in November.

Newsweek has contacted Citizens for verification on this number via email outside of normal working hours.

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The number of Citizens policies has soared in recent years as private insurers dropped customers and raised rates due to losses caused by payouts and litigation. Citizens has 1,250,791 policies in force as of August 2024. In August 2019, five years ago, it had 420,366 active policies.

A view of damaged homes in an area affected by Hurricane Helene in Keaton Beach, Florida, on October 3, 2024. Florida’s biggest insurer, Citizens Property Insurance Corporation, is set to hand over more than 600,000…


MANDEL NGAN/AFP/GETTY

“Citizens is committed to helping its policyholders find coverage in the private market,” its website reads. “As required by Florida law, Citizens’ Depopulation Program matches Citizens policyholders with insurance companies interested in removing their policy from Citizens and providing private-market coverage for their policy.”

The depopulation will arrive not long after Hurricane Helene hit Florida and other eastern states at the end of September. With a death toll that has now surpassed 200 people, with hundreds more still reported missing, it is shaping up to be one of the worst storms in U.S. history.

The latest data released by the Florida Office of Insurance Regulation shows that 84,400 claims have been made by homeowners and businesses since Hurricane Helene hit, with 42,219 of these being for residential properties. So far, 1,340 of these claims have been closed with a payment, while 2,712 have been closed without a payment. More than 38,000 insurance claims are still open.

Florida residents are grappling with some of the highest home insurance rates in the country. According to Bankrate, the average insurance cost for a home valued at $300,000 in October 2024 is $5,527 per year—way higher than the rate for a home of the same value in neighboring Georgia ($2,071) and Alabama ($2,745).

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The average home insurance premium in Florida is $3,242 more expensive than the national average of $2,285. In some areas, costs can climb to in excess of $8,000. The state average is second only to Nebraska, where the average premium on a $300,000 home is $5,652.



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Florida lawmaker files hands-free driving bill ahead of 2026 legislative session

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Florida lawmaker files hands-free driving bill ahead of 2026 legislative session


Florida lawmakers are once again trying to crack down on distracted driving, this time with a proposal that goes further than the state’s current law.

Senate Bill 1152, filed ahead of the upcoming legislative session, would make it illegal for drivers to hold a phone while operating a motor vehicle. Drivers could still use GPS, make phone calls, or use navigation apps, but only through hands-free technology such as Bluetooth or built-in vehicle systems.

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That restriction would apply even when a vehicle is stopped at a red light or in traffic. The bill defines “handheld” use broadly, including holding a phone in one or both hands or bracing it against the body.

Supporters say Florida’s existing law, which primarily targets texting while driving, doesn’t fully address the many ways drivers use their phones behind the wheel and can be difficult for law enforcement to enforce consistently.

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The bill also includes privacy protections. Law enforcement officers would not be allowed to search or confiscate a driver’s phone without a warrant.

State officials say distracted driving remains a serious and persistent problem across Florida.

By the numbers:

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The most recent available data for a single year shows nearly 300 people were killed and more than 2,200 others suffered serious injuries in crashes involving distracted drivers in 2024. A crash happens in Florida about every 44 seconds, and roughly one in seven crashes involves a distracted driver, according to state data.

Advocates point to other states with hands-free laws, saying those states have seen declines in deadly crashes after similar measures were adopted.

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READ: Trump calls for ban on Wall Street buying single-family homes, citing affordability concerns

What’s next:

The bill will be taken up during the 2026 legislative session, which begins Tuesday, Jan. 13. It must pass committee hearings and full votes in both chambers before going to the governor.

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If approved, the law would take effect Oct. 1, 2026.

The Source: This story is based on the filed text of Senate Bill 1152 and data from the Florida Department of Highway Safety and Motor Vehicles.

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Penn State OG TJ Stranahan commits to Florida Gators

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Penn State OG TJ Stranahan commits to Florida Gators


Former Penn State interior offensive lineman TJ Shanahan committed to the Florida Gators on Tuesday, Jan. 6, reuniting him with offensive line coach Phil Trautwein in Gainesville.

Trautwein’s connection with Shanahan loomed large in his recruitment. The only visit Shanahan took was to Gainesville on Saturday, and Trautwein recruited him out of high school before he moved from Florida to Texas. The hometown angle also plays a factor here. His family lives outside of Tampa, and his cousin, Jon Halapio, played at Florida from 2009 to 2013 before being drafted in the sixth round.

247Sports does not have a transfer portal grade for Shanahan, but On3 ranks him at No. 341 overall and No. 25 among interior offensive linemen in the portal. He has two years of eligibility remaining with hopes of becoming a full-time starter at Florida.

TJ Shanahan’s college career

A consensus four-star recruit and the No. 1 interior offensive lineman in the 2023 recruiting class, Shanahan chose Texas A&M after visiting several SEC programs. He appeared in three games as a true freshman before redshirting. He became a regular in the Aggies’ offensive line rotation in 2024, playing in 10 total games. He spent time at center and left guard, starting four of five games at the latter position.

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He entered the transfer portal following coaching changes at Texas A&M, ultimately landing at Penn State. He played in all 13 games for the Nittany Lions, making five starts while jumping between both guard positions. Injuries kept him from playing a bigger role at the end of the regular season, but he played nearly 80 snaps at right guard in the Pinstripe Bowl.

Pro Football Focus gave him a 63.5 overall grade on offense, a 75.1 pass-blocking grade and a 59.2 run-blocking grade in 2025.

Florida’s interior offensive line room

Florida’s interior offensive line returns starting left guard Knijeah Harris and backup guards Roderick Kearney and Tavaris Dice Jr. Assuming Harris stays at left guard, Shanhan is a strong possibility at right guard for Florida next season. Kearney and Dice could provide depth at both positions, or the former could transition to center in hopes of replacing All-American starter Jake Slaughter.

Florida is losing several interior linemen to graduation and the transfer portal. Along with Slaughter, Damieon George Jr. and Kamryn Waites have exhausted their eligibility. Noel Portnjagin and Marcus Mascoll are in the portal. Redshirt freshman Jason Zandamela is staying and received high praise from Slaughter.

Florida is expected to land Georgia Tech lineman Harrison Moore, which would reload the stable with plenty of room for competition at all three positions.

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Florida 2026 transfer portal additions

Shanahan is the 10th official transfer portal addition of the 2026 cycle for Florida.

On offense, Georgia Tech quarterback Aaron Philo, Cincinnati running back Evan Pryor, Georgia Tech wide receiver Bailey Stockton, Wake Forest receiver Micah Mays Jr., and James Madison tight end Lacota Dippre have committed. On defense, Florida has earned commitments from Baylor defensive lineman DK Kalu and Baylor safety DJ Coleman. The Gators are also adding a pair of special teamers from Tulane, kicker Patrick Durkin and punter Alec Clark.

Florida is also expected to land Georgia Tech interior offensive lineman Harrison Moore, who is on an official visit (Jan. 6).

Follow us @GatorsWire on X, formerly known as Twitter, as well as Bluesky, and like our page on Facebook to follow ongoing coverage of Florida Gators news, notes and opinions.





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Florida boy, 4, found dead in Alabama had no signs of assault, trauma as dad is busted on explosives charges

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Florida boy, 4, found dead in Alabama had no signs of assault, trauma as dad is busted on explosives charges


Heartbreaking new details have emerged in the case of the missing Florida boy who was found dead next to his dog as his father faces charges for allegedly making explosives.

Johnathan Boley, 4, did not show any signs of “trauma or assault type injuries” after officials performed an autopsy on Monday morning — three days after the heartbreaking discovery, according to Walker County Sheriff Nick Smith.

A cause of death has not been released as officials await the results of further tests, WBRC reported.

Johnathan Boley did not show any signs of trauma or assault after his death around Jan. 2, 2026. Alabama Law Enforcement Agency

Boley, known by his family as “John John,” was discovered partly in a body of water by a group of volunteers who were searching the wooded area in Jasper, Ala. — two miles from where the boy vanished.

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The child, who was visiting his father for the holidays, was last seen playing in the yard with his older brother and their mixed lab pup Buck just before noon on New Year’s Eve.

Boley’s elder sibling said his brother and the Buck had walked across the property line. Jameson Kyle Boley reported his son missing an hour later.

The little tyke, who lived with his mother in Florida after his parents separated, was discovered just before 1 p.m. Friday.

Buck, the loyal pooch, was found alive and next to Boley’s body.

Explosive materials found on Jameson Boley’s property after his son was reported missing on Dec. 31, 2025. Constable Allen Estell
Jameson Boley as arrested and charged with unlawful manufacturing of a destructive device and two counts of chemical endangerment of a child. Blount County Jail

Volunteers were “shook up” when they found Boley after the days-long search.

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“You know, obviously you come out to do a good deed and when you get our there, you may have thought that you have fully prepared yourself for what you might come across,” Smith said. “Obviously, they were shaken up.”

Officials also discovered explosive materials inside and around the elder Boley’s home. The discovery of the potentially dangerous materials forced officials to cancel a ground search in the area.

Buck, the loyal pooch, was found alive and next to Boley’s body. Walker County Sheriff’s Office
Boley was discovered partly in a body of water by a group of volunteers who were searching the wooded area in Jasper, Ala. — two miles from where the boy vanished. WBRC

Methamphetamines were also discovered inside the home.

Officials found “evidence that they have had some type of bomb type materials and that have exploded on the property.”

Boley, 40, was arrested and charged with unlawful manufacturing of a destructive device and two counts of chemical endangerment of a child.

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He was transported to Blount County jail to “keep him separated from the county and people he may know in the jail,” Smith said.

After “John John’s” body was recovered, family members were permitted to go to Blount County and share the devastating news with the jailed father.

“I arranged with the sheriff of Blount County to let the family go make that notification in person,” Smith said.



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