Editor's note: Part one of "Florida personal lines coverage reaches crisis levels" was featured on PropertyCasualty360.com Tuesday, December 28, 2021. 

Part of Florida's Senate Bill 76 prevents contractors, public adjusters and companies from using predatory advertisements that encourage Florida residents to make insurance claims for roof damage and imposes a fine of up to $10,000 when companies violate the law. (Credit: Devon Yu/Adobe Stock) Part of Florida's Senate Bill 76, which went into effect July 1, 2021, prevents contractors, public adjusters and companies from using predatory advertisements that encourage Florida residents to make insurance claims for roof damage and imposes a fine of up to $10,000 when companies violate the law. (Credit: Devon Yu/Adobe Stock)

As a result of multiple forms of losses, Florida agents currently find themselves with fewer options when placing residential property coverage. A few major carriers like CNA, Travelers and Chubb still write homeowners, but restrictions are tightening around wind, and a property policy in Florida without wind coverage is next to useless.