The state of the Florida property insurance market has become increasingly challenging recently, with a surge in natural disasters over the past three years causing more damage to the peninsula than in the previous decade. Even if you avoid the direct impact of a storm, you will still feel the financial repercussions through increased insurance costs.

This challenging market has forced retail brokers to rely heavily on wholesale partners to secure adequate terms, but even this is becoming an arduous task. The current climate necessitates even deeper diligence, from loss pick analytics to the almost insurmountable challenge of placing wind coverage on anything other than Lloyd's paper.