Regional Risk Factors
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Hurricane and tropical storm exposure across the entire state
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Flood risk from storm surge, sea level rise, and inland flooding
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Sinkhole exposure in central and Tampa Bay regions
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Assignment of Benefits (AOB) litigation increasing costs
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Rapid population growth straining insurance capacity
Local Regulations & Requirements
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Florida Office of Insurance Regulation (OIR) oversight
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Florida Citizens Property Insurance Corporation (residual market)
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Florida hurricane deductible requirements by county
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Florida My Safe Florida Home program and mitigation credits
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Florida SB 2A (2022) insurance reform and litigation limits
Local Office & Service
Neil Jesani Risk Management maintains a Florida presence with market expertise spanning personal, commercial, and specialty lines across the state.
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