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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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State attorney says JEA board did not violate Florida’s Sunshine Law

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State attorney says JEA board did not violate Florida’s Sunshine Law


JACKSONVILLE, Fla. – The state attorney for northeast Florida said there’s no evidence that members of the JEA board violated Florida’s “Sunshine Law” with discussions surrounding the resignation and replacement of former CEO Jay Stowe.

A source said JEA leaders met at an Avondale coffee shop to discuss the CEO stepping down. It sparked an investigation

In May, a JEA employee filed a complaint with the city’s inspector general prompting the investigation.

The Sunshine Law requires that public business be conducted at publicly-noticed meetings.

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In October, the inspector general found that some board members did talk business outside of the meetings but the report made no determination on whether the Sunshine Law was violated and referred the matter to the State Attorney’s Office.

The state attorney’s office conducted its own investigation and said the allegations were “unwarranted and unfounded.”

DOCUMENT: State attorney’s report on JEA Sunshine Law investigation

It said the outside conversations did not involve JEA board business or were not covered by the Sunshine Law. The report also said that even if there had been evidence of a Sunshine Law violation, the fact that the decision to appoint Vickie Cavey as interim, and later permanent, managing director and CEO were made during public meetings would have resolved any purported violation.

Cavey responded to the investigation.

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“JEA appreciates the thorough investigation by the State Attorney’s Office,” Cavey said. “The JEA Board recognizes the importance of the Sunshine Law and its obligations to comply. The report determined JEA board members complied with the law and that no criminal conduct occurred. The baseless allegations by a former employee cast a shadow over the good work our board and more than 2,200 employees do each and every day delivering foundational services to Northeast Florida. Maintaining the trust of our community is of utmost importance and this report could not have provided a clearer vindication.”

Board Chair Joseph DiSalvo made this statement in response to the report.

“On behalf of the board of directors, we appreciate the diligent work of the State Attorney’s Office. I think it is important to note their findings reinforce the fact that each member on the JEA Board of Directors fully embrace transparency and Sunshine Law compliance and our commitment to remain above reproach when it comes to ethics and integrity,” DiSalvo said.

Copyright 2024 by WJXT News4JAX – All rights reserved.



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Florida Gators Edge Scheduled to Visit SEC Rival

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Florida Gators Edge Scheduled to Visit SEC Rival


The Florida Gators look to be losing edge rusher TJ Searcy to the transfer portal after he played two seasons in Gainesville. Searcy may not move too far away as he is reportedly visiting the Auburn Tigers this weekend.

READ MORE: DJ Lagway wins the Gasparilla Bowl MVP

Searcy’s 247Sports transfer portal ranking comes in at No. 90 overall and 12th edge. Evaluating his accomplishments for the orange and blue, he’s clearly a quality player. Still, the Gators should not be overly concerned about losing Searcy and here are two reasons why.

First, the Gators are working with extensive NIL money. According to Saturday Down South’s Neil Blackmon, the buyout money once set aside to replace Billy Napier will go toward improving the Florida football roster, as his quote defines.

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“Multiple sources close to the program told SDS that part of the logic in retaining Napier for 2025, as opposed to paying his $26.5-million buyout, half of which would have been due up front, was to use money raised for the buyout in the NIL space this offseason.”

Second, keep in mind that the teams currently competing in the College Football Playoff will see several players enter the transfer portal after their seasons conclude. Thus, even if the Gators do not find Searcy’s replacement from the current crop of players available, more talent will become available.

Third, prior to winning his fourth game in a row to close the season, head coach Billy Napier hinted that the Gators felt pretty good at edge and could still make additions.

“Wish TJ nothing by the best,” said Napier. “And maybe we’re not done there. We’ll see. But just think it’s a product of the world we’re living in, right? So, TJ has done a great job for us. It’s been a productive player. He’s done a good job off the field. Really grown up a lot. Proud of him, nothing but respectful.”

In the end, Florida loses a quality player in Searcy, but it will not be the Gators’ undoing and a comparable replacement should be coming to Gainesville.

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Florida requires teaching Black history. Some don't trust schools to do it justice

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Florida requires teaching Black history. Some don't trust schools to do it justice


TALLAHASSEE, Fla. (AP) — Buried among Florida’s manicured golf courses and sprawling suburbs are the artifacts of its slave-holding past: the long-lost cemeteries of enslaved people, the statutes of Confederate soldiers that still stand watch over town squares, the old plantations turned into modern subdivisions that bear the same name. But many students aren’t learning that kind of Black history in Florida classrooms.

In an old wooden bungalow in Delray Beach, Charlene Farrington and her staff gather groups of teenagers on Saturday mornings to teach them lessons she worries that public schools won’t provide. They talk about South Florida’s Caribbean roots, the state’s dark history of lynchings, how segregation still shapes the landscape and how grassroots activists mobilized the Civil Rights Movement to upend generations of oppression.

“You need to know how it happened before so you can decide how you want it to happen again,” she told her students as they sat as their desks, the morning light illuminating historic photographs on the walls.

Florida students are giving up their Saturday mornings to learn about African American history at the Spady Cultural Heritage Museum in Delray Beach and in similar programs at community centers across the state. Many are supported by Black churches, which for generations have helped forge the cultural and political identity of their parishioners.

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Since Faith in Florida developed its own Black history toolkit last year, more than 400 congregations have pledged to teach the lessons, the advocacy group says.

Florida has required public schools to teach African American history for the past 30 years, but many families no longer trust the state’s education system to adequately address the subject.

By the state’s own metrics, just a dozen Florida school districts have demonstrated excellence at teaching Black history, by providing evidence that they are incorporating the content into lessons throughout the school year and getting buy-in from the school board and community partners.

School district officials across Florida told The Associated Press that they are still following the state mandate to teach about the experience of enslavement, abolition and the “vital contributions of African Americans to build and strengthen American society.”

But a common complaint from students and parents is that the instruction seems limited to heroic figures like the Rev. Martin Luther King Jr. and Rosa Parks and rarely extends beyond each February’s Black History Month.

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When Sulaya Williams’ eldest child started school, she couldn’t find the comprehensive instruction she wanted for him in their area. So in 2016, she launched her own organization to teach Black history in community settings.

“We wanted to make sure that our children knew our stories, to be able to pass down to their children,” Williams said.

Williams now has a contract to teach Saturday school at a public library in Fort Lauderdale, and her 12-year-old daughter Addah Gordon invites her classmates to join her.

“It feels like I’m really learning my culture. Like I’m learning what my ancestors did,” Addah said. “And most people don’t know what they did.”

Black history mandate came at time of atonement

State lawmakers unanimously approved the African American history requirement in 1994 at a time of atonement over Florida’s history.

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Historians commissioned by the state had just published an official report on the deadly attack on the town of Rosewood in 1923, when a white mob razed the majority-Black community and drove out its residents. When the Florida Legislature approved financial compensation for Rosewood’s survivors and descendants in 1994, it was seen as a national model for reparations.

“There was a moment of enlightenment in Florida, those decades ago. There really was,” said Marvin Dunn, who has authored multiple books on Black Floridians. “But that was short-lived.”

Three decades later, the teaching of African American history remains inconsistent across Florida classrooms, inadequate in the eyes of some advocates, and is under fire by the administration of Republican Gov. Ron DeSantis, who has championed efforts to restrict how race, history and discrimination can be talked about in the state’s public schools.

DeSantis has led attacks on “wokeness” in education that rallied conservatives nationwide, including President-elect Donald Trump. In 2022, the governor signed a law restricting certain race-based conversations in schools and businesses and prohibits teaching that members of one ethnic group should feel guilt or bear responsibility for actions taken by previous generations.

Last year, DeSantis’ administration blocked a new Advanced Placement course on African American Studies from being taught in Florida, saying it violates state law and is historically inaccurate.

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A spokesperson for the College Board, which oversees Advanced Placement courses, told the AP they are not aware of any public schools in Florida currently offering the African American Studies class. It’s also not listed in the state’s current course directory.

Representatives for the Florida Department of Education and the state’s African American History Task Force did not respond to requests for comment from the AP.

“People who are interested in advancing African diaspora history can’t rely on schools to do that,” said Tameka Bradley Hobbs, manager of Broward County’s African-American Research Library and Cultural Center. “I think it’s even more clear now that there needs to be a level of self-reliance and self-determination when it comes to passing on the history and heritage of our ancestors.”

Most Florida schools don’t offer Black history classes

Last year, only 30 of Florida’s 67 traditional school districts offered at least one standalone course on African American history or humanities, according to state data. While not required by state law, having a dedicated Black history class is a measure of how districts are following the state mandate.

Florida’s large urban districts are far more likely to offer the classes, compared to small rural districts, some of which have fewer than 2,000 students.

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Even in districts that have staff dedicated to teaching Black history, some teachers are afraid of violating state law, according to Brian Knowles, who oversees African American, Holocaust and Latino studies for the Palm Beach County school district.

“There’s so many other districts and so many kids that we’re missing because we’re tiptoeing around what is essentially American history,” Knowles said.

Frustration over the restrictions that teachers face pushed Renee O’Connor to take a sabbatical last year from her job teaching Black history at Miami Norland Senior High School in the majority-Black city of Miami Gardens. Now, she is back in the classroom, but she also has been helping community groups develop their own Black history programs outside of the public school system.

“I wish, obviously, all kids were able to take an African American history class,” O’Connor said, “but you have to pivot if it’s not happening in schools.”

___

Kate Payne is a corps member for The Associated Press/Report for America Statehouse News Initiative. Report for America is a nonprofit national service program that places journalists in local newsrooms to report on undercovered issues.

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