MARKET INSIGHTS
INTELLIGENCE FOR THE INFORMED ASSET OWNER.
2026 STRATEGIC OUTLOOK
WHY IS THE FLORIDA INSURANCE MARKET SO VOLATILE?
Florida presents a unique convergence of exposure: high property values, extreme weather events, and a complex litigation environment. These factors drive the cost of reinsurance (insurance for insurance companies), which directly impacts premiums. Our role is to navigate this volatility by placing you with carriers that have the financial depth to weather these cycles.
HOW DOES DEERFIELD DIFFER FROM A DIRECT CARRIER?
Direct carriers (like the ones you see on TV) represent their shareholders. We represent you. As an independent brokerage, we are not beholden to a single provider. We aggressively shop the marketplace to find the intersection of comprehensive coverage and competitive pricing. Our loyalty is to your portfolio, not a specific insurance logo.
WHAT IS "FORCE-PLACED" COVERAGE?
This is a creditor-issued policy activated by lenders when a property owner’s insurance lapses. It is a "worst-case scenario" product: it is typically 2-3x more expensive than market rates and offers zero liability protection for you. We monitor your renewal dates meticulously to ensure this never happens to your assets.
HOW CAN I LOWER MY PREMIUMS WITHOUT SACRIFICING PROTECTION?
The most effective strategy in Florida is Wind Mitigation. Homes built or retrofitted to withstand hurricane-force winds (via hip roofs, impact glazing, and reinforced roof-to-wall connections) qualify for substantial state-mandated credits. We can review your current inspection reports to identify missed credits or suggest high-ROI structural improvements.
HOW DO YOU VET THE CARRIERS YOU RECOMMEND?
We ignore online "star ratings," which are often skewed by marketing or isolated grievances. Instead, we analyze Financial Stability Ratings (Demotech/AM Best) and Complaint Ratios filed with the Florida Office of Insurance Regulation. We only partner with carriers that demonstrate the liquidity to pay claims and the operational capacity to handle them efficiently.