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Florida’s top two candidates for governor are arguing over the best way to bring down the state’s high property insurance costs.
Republican Byron Donalds and Democrat David Jolly both say rates have grown too expensive for many homeowners. Where they part ways is on the cause of the problem and the right solution.
What the Candidates Want
Donalds has run ads accusing Jolly of backing a plan that would hit families with a $1,000 “hurricane tax.” Jolly says that is not true. He wants to move hurricane and wind coverage out of private policies and into a state run catastrophe fund. He claims this could lower premiums by 60 to 70 percent.
Jolly argues that Donalds is simply defending the current system, which already allows extra charges if the state backed insurer runs into trouble.
Donalds prefers to keep private companies in the lead, protect recent changes that limited lawsuits, and give homeowners better tools to compare insurers.
Why This Hits Shared Owners Hard
Florida already has some of the highest home insurance rates in the country. When premiums climb or coverage becomes hard to find, the pressure can spill over into homes owned by more than one person. One owner may want to keep paying the bills and holding on to the property. Another may decide the cost is no longer worth it and push for a sale.
Those kinds of disagreements often end up in court as partition cases, where a judge has to decide whether the property should be sold or one side should buy the other out.
The Bigger Picture
People who like Jolly’s idea say the private market has not handled hurricane risk in a way that keeps rates reasonable. People who prefer Donalds’ approach worry that shifting more risk onto the state could create new costs and undo recent progress in stabilizing the market.
Both men present their plans as ways to make owning a home more affordable. Voters will choose the direction in November.
When Shared Property Creates Conflict
High insurance bills and coverage problems can turn shared ownership into a real source of stress. If you and another owner cannot agree on what to do with the property, whether to sell, or how to split the costs, our team can help.
Send a message through our contact form, and we will look at your situation and explain the options that are realistically available under partition law.
