Homeowners in South Florida are facing significant challenges with rising home insurance rates and complicated claims processes, as highlighted by a recent account from a long-time resident. The individual recounted their experience with insurance coverage, which began to deteriorate in 2017 when their policy renewal was threatened after an unannounced inspection attempt by an unidentified company representative.

Despite a history of smooth claims and manageable rate increases, the homeowner reported that their annual insurance premium skyrocketed from $3,700 in 2017 to over $8,000 in 2023. The situation escalated when the homeowner learned, while away on vacation during Hurricane Irma, that their policy would not be renewed due to a failed roof inspection—information that the insurance company did not disclose until the last minute.

This lack of communication left the couple scrambling to secure new coverage in a state grappling with the aftermath of a major storm. Although their new insurance provider accepted their roof after inspection, the rates continued to climb, even as they made significant improvements to their home, including installing hurricane-proof windows and doors at a cost of approximately $40,000.

As the couple reflects on their situation, they are reconsidering their long-term plans in South Florida, a place they have called home for years. The rising costs and complexities of home insurance are prompting many residents to question the sustainability of living in the region, raising concerns about the broader implications for homeowners in hurricane-prone areas.