Florida
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.
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.
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).
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.
Florida
Florida college Republicans group chat reveals racist texts: ‘Avoid the coloreds like the plague’
It only took three weeks for a group chat for conservative students at Florida International University (FIU) to become a place where participants eagerly used racist slurs, prompting widespread condemnation from community leaders.
Abel Alexander Carvajal, secretary of Miami-Dade county’s Republican party and a student at FIU’s College of Law, reportedly started the chat after the killing of Charlie Kirk, the founder of Turning Point USA, in September 2025.
But on Wednesday, the Miami Herald published leaked WhatsApp conversations in which the college Republicans made racist, sexist, antisemitic and homophobic comments, including variations of the N-word used more than 400 times. Knowledge of the chat’s existence was revealed on the same day that Republican lawmakers in Florida pushed forward a bill to rename a one-mile stretch of road alongside FIU in honor of Kirk.
William Bejerano, who the Herald noted once tried to start an anti-abortion group at Miami Dade College, was the most prolific user of the N-word. Using the slur, Bejerano called for dozens of acts of extreme violence against Black people, including crucifying, beheading and dissecting.
Dariel Gonzalez, then the College Republicans’ recruitment chair, who has recently applied to become a GOP committee member, responded to the calls for violence by saying: “How edgy.” He repeatedly used “colored” to describe Black people, including writing: “Ew you had colored professors?!” and “Avoid the coloreds like the plague,” according to the Herald.
Carvajal, who was appointed to a two-year role on the city of Hialeah’s planning and zoning board earlier this year, confirmed to the paper that the group chat was his doing, but he denied knowledge of the problematic comments until the publication contacted him about its logs last week.
“It’s been five months since this was sent and this is the first time I’ve seen this message,” Carvajal told the Herald.
“I guess to an extent, I bear some responsibility, cause I created a chat. But if I had seen this at the moment, I would have removed [Bejerano] from the chat. I probably would have even blocked his number.”
The Herald found that Carvajal had deleted 14 messages sent by other participants in the chat and 42 of his own messages before the publication obtained the chat’s logs.
He also participated in some of the racist discussions. While referring to a Black student who allegedly left FIU’s College Republicans after a member of the group “called her a [N-word]”, the Floridian reported that Carvajal wrote: “Why didn’t miggress leave?” Elsewhere in the chat, the publication reported that Carvajal used “Miggress”, “Migglet” and “Migger” to refer to Black women, Black children and Black people, in general.
At one point, Gonzalez wrote: “You can fuck all the [K-word, a slur for Jewish people] you want. Just don’t marry them and procreate.”
Ian Valdes, the Turning Point USA FIU chapter president, responded, “I would def not marry a Jew,” before changing the group chat’s name from “Uber [R-word slur for disabled people] Yapping” to “Gooning in Agartha”. “Gooning” is a gen-Z slang term for male masturbation, while “Agartha” is a mythical white civilization promoted by Heinrich Himmler, one of the most powerful leaders in Nazi Germany next to Hitler.
Gonzalez reportedly described Agartha to the group chat as “Nazi heaven sort of”.
Kevin Cooper, the first Jewish chair of the Miami Dade Republican party, condemned the group chat in a statement published to X and called for Carvajal’s resignation.
“The majority of our board voted to request Carvajal’s resignation. We have commenced removal proceedings and look forward to resolution from the Republican Party of Florida,” he wrote.
That call was echoed by Juan Porras, a Republican state representative and Miami-Dade GOP state committee member, who said in a statement: “Leadership carries responsibility. When someone in a leadership role engages in this kind of behavior, it damages the trust placed in our party by voters across Florida. For that reason, I am asking the Miami Dade Republican party secretary to step down from this position.”
In a joint statement, Florida Republican state senators Alexis Calatayud, Ileana Garcia and Ana Maria Rodriguez denounced the chats and called for the expulsion from party leadership of its participants.
“The individuals in the group chat have exposed how profoundly misaligned their beliefs are to the views of the Republican party of Florida,” their statement said. “We call for the immediate expulsion of the individuals disseminating from any level of leadership of the Miami-Dade Republican Party … We will not tolerate bigotry or discrimination.”
Multiple leaked group chats from young Republicans have created controversy in recent years.
Last year, Politico published messages from a group chat of more than 100 conservatives across the country in which users also made racist and antisemitic comments. In 2022, a Young Republican group chat from North Dakota was revealed as a cesspool of homophobic and antisemitic rhetoric.
Florida
Federal judge blocks DeSantis executive order declaring CAIR a 'terrorist organization'
Florida
Gas prices rise in South Florida amid U.S. and Israel’s conflict with Iran, as the stock market also reports a dip
Four days into the Iranian conflict, gas prices are rising at many stations in South Florida.
“I’ve traveled all over the United States,” says Stacey Williams. CBS Miami spoke to him as he was gassing up on the turnpike. He paid $66 for 20 gallons of diesel to fill his pickup truck. Williams has noted the fluctuations in fuel as he drives to locations for his work on turbines. He just spent three weeks at the Turkey Point Nuclear Power Plant south of Miami.
“The salary we get paid per hour does not add up to what we pay for gas, housing, and food,” he says.
Mitchell Gershon is also dealing with the higher gas prices. He has to fill three vehicles constantly for his business—Thrifty Gypsy, a pop-up store at musical venues. He’s back and forth from Orlando to Miami and says fuel is costing him 20% more. When asked how he handles these fluctuations, he said, “Have a little backup cash so you are ready for it.”
The rise in oil prices contributed to a drop in the stock market on Tuesday, which means some retirement accounts dipped, too. CBS Miami talked to Chad NeSmith, director of investments at Tobias Financial Advisors in Plantation, for perspective on the drop.
“We are seeing most of the pullback today. Yesterday was a shock,” he says. He’s not expecting runaway oil prices but says investors should stay in the loop: “Pay attention to your portfolio. Stick to your goals. Have a plan because these things are completely unpredictable.”
That unpredictability has Williams adjusting his budget. “You just cut back, cut corners, all you can do,” he says.
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