{"id":6097,"date":"2024-10-14T07:00:00","date_gmt":"2024-10-14T11:00:00","guid":{"rendered":"https:\/\/propertyonion.com\/education\/?p=6097"},"modified":"2026-03-17T11:26:06","modified_gmt":"2026-03-17T15:26:06","slug":"floridas-home-insurance-nightmare-how-skyrocketing-costs-are-squeezing-real-estate-investors","status":"publish","type":"post","link":"https:\/\/propertyonion.com\/education\/floridas-home-insurance-nightmare-how-skyrocketing-costs-are-squeezing-real-estate-investors\/","title":{"rendered":"Florida\u2019s Home Insurance Nightmare: How Skyrocketing Costs Are Squeezing Real Estate Investors"},"content":{"rendered":"<p>Florida&#8217;s <strong>florida home insurance investors<\/strong> carry has become one of the most significant threats to rental property returns in the state, with premiums rising dramatically and some carriers exiting the market entirely, leaving investors scrambling for coverage.<\/p>\n<p>Florida&#8217;s <strong>home insurance costs for investors<\/strong> have become one of the most significant threats to rental property returns in the state, with premiums rising dramatically in recent years and some carriers exiting the market entirely, leaving investors scrambling for coverage at any price.<\/p>\n\n<p><a href=\"https:\/\/propertyonion.com\/education\/more-home-insurance-companies-are-leaving-the-market-in-2024-why\/\" target=\"_blank\">Florida\u2019s homeowners insurance crisis <\/a>has escalated to a breaking point, creating serious challenges for property owners and real estate investors alike. With premiums skyrocketing and insurance carriers either leaving the state or tightening their terms, the situation is set to get worse before it gets better. What\u2019s more troubling is that the real estate insurance market is plagued by an epidemic of inflated claims driven by insurance adjusters and unscrupulous contractors looking to make a profit. To turn the tide, we need stricter regulations and limitations on these manipulative practices.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1560\" height=\"910\" src=\"https:\/\/propertyonion.com\/education\/wp-content\/uploads\/2024\/10\/Screenshot-2024-10-13-at-1.03.12\u202fPM.png\" alt=\"\" class=\"wp-image-6121\" style=\"width:839px;height:auto\" srcset=\"https:\/\/propertyonion.com\/education\/wp-content\/uploads\/2024\/10\/Screenshot-2024-10-13-at-1.03.12\u202fPM.png 1560w, https:\/\/propertyonion.com\/education\/wp-content\/uploads\/2024\/10\/Screenshot-2024-10-13-at-1.03.12\u202fPM-300x175.png 300w, https:\/\/propertyonion.com\/education\/wp-content\/uploads\/2024\/10\/Screenshot-2024-10-13-at-1.03.12\u202fPM-1024x597.png 1024w, https:\/\/propertyonion.com\/education\/wp-content\/uploads\/2024\/10\/Screenshot-2024-10-13-at-1.03.12\u202fPM-768x448.png 768w, https:\/\/propertyonion.com\/education\/wp-content\/uploads\/2024\/10\/Screenshot-2024-10-13-at-1.03.12\u202fPM-1536x896.png 1536w\" sizes=\"auto, (max-width: 1560px) 100vw, 1560px\" \/><\/figure>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_81 ez-toc-wrap-left counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">In this Article:<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/propertyonion.com\/education\/floridas-home-insurance-nightmare-how-skyrocketing-costs-are-squeezing-real-estate-investors\/#Rising_Homeowners_Insurance_Costs_in_Florida\" >Rising Homeowners Insurance Costs in Florida<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/propertyonion.com\/education\/floridas-home-insurance-nightmare-how-skyrocketing-costs-are-squeezing-real-estate-investors\/#The_Role_of_Inflated_Claims_and_Manipulative_Practices\" >The Role of Inflated Claims and Manipulative Practices<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/propertyonion.com\/education\/floridas-home-insurance-nightmare-how-skyrocketing-costs-are-squeezing-real-estate-investors\/#The_Impact_on_Real_Estate_Investors\" >The Impact on Real Estate Investors<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/propertyonion.com\/education\/floridas-home-insurance-nightmare-how-skyrocketing-costs-are-squeezing-real-estate-investors\/#Why_Regulations_Are_Needed\" >Why Regulations Are Needed<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/propertyonion.com\/education\/floridas-home-insurance-nightmare-how-skyrocketing-costs-are-squeezing-real-estate-investors\/#Moving_Toward_a_Sustainable_Insurance_Environment\" >Moving Toward a Sustainable Insurance Environment<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/propertyonion.com\/education\/floridas-home-insurance-nightmare-how-skyrocketing-costs-are-squeezing-real-estate-investors\/#The_Road_Ahead_for_Investors\" >The Road Ahead for Investors<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Rising_Homeowners_Insurance_Costs_in_Florida\"><\/span><a><\/a><strong>Rising Homeowners Insurance Costs in Florida<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Based on recent data from Redfin and the National Bureau of Economic Research (NBER), the homeowners insurance crisis in Florida has reached alarming levels. Nearly 70.3% of Florida homeowners report that they or their area have been directly affected by rising home insurance costs or changes in coverage, compared to just 44.6% of homeowners nationwide. In California, over half of homeowners (51%) experienced similar challenges, highlighting the severe impact of insurance issues in these high-risk states. These statistics underscore the widespread struggle of homeowners in states prone to natural disasters, where insurance carriers have been increasingly reluctant to provide coverage due to escalating risks and high claim volumes.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/insuranceindustryblog.iii.org\/florida-homeowners-premium-growth-slows-as-reforms-take-hold-inflation-cools\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"974\" height=\"587\" src=\"https:\/\/propertyonion.com\/education\/wp-content\/uploads\/2024\/10\/Picture1.jpg\" alt=\"\" class=\"wp-image-6103\" srcset=\"https:\/\/propertyonion.com\/education\/wp-content\/uploads\/2024\/10\/Picture1.jpg 974w, https:\/\/propertyonion.com\/education\/wp-content\/uploads\/2024\/10\/Picture1-300x181.jpg 300w, https:\/\/propertyonion.com\/education\/wp-content\/uploads\/2024\/10\/Picture1-768x463.jpg 768w\" sizes=\"auto, (max-width: 974px) 100vw, 974px\" \/><\/a><\/figure>\n\n\n\n<p class=\"has-text-align-left\">Florida&#8217;s insurance market specifically has seen a drastic increase in premiums, with the average annual rate for homeowners reaching $10,996 in 2023 ,  substantially higher than the national average of $2,377. Southern Florida, in particular, has seen some of the most significant increases, with premiums often ranging between $4,000 and more. This sharp rise in costs can be attributed to the state&#8217;s high reinsurance exposure, which is at 40% ,  the highest in the country. This means that a substantial portion of the risk is passed on to reinsurance companies, leading to even higher costs for policyholders as insurers seek to manage their potential losses from <a href=\"https:\/\/propertyonion.com\/education\/how-to-locate-and-buy-hurricane-damaged-homes\/\" target=\"_blank\">severe weather events like hurricanes<\/a>. The NBER study also warns that these premiums could continue to rise as climate risks intensify, potentially leading to even greater financial strain on <a href=\"https:\/\/propertyonion.com\/education\/florida-foreclosure-stats-late-2025-the-signal-smart-investors-should-be-tracking-in-2026\/\" title=\"Florida Foreclosure Stats Late 2025: The Signal Smart Investors Should be Tracking in 2026\" target=\"_blank\" rel=\"noopener\" data-wpil-monitor-id=\"89840\">Florida homeowners and real estate investors<\/a>.<\/p>\n\n\n\n<p>This increase in premiums not only burdens individual homeowners but also directly impacts real estate investors, forcing them to reevaluate their investment strategies in a <a href=\"https:\/\/propertyonion.com\/education\/homeowners-losing-coverage-as-insurers-pull-back-nationwide\/\" target=\"_blank\">volatile insurance landscape<\/a>.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>According to industry reports, Florida represents nearly 79% of all insurance litigation in the United States, even though it accounts for only 9% of the nation&#8217;s homeowner insurance claims.<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_Role_of_Inflated_Claims_and_Manipulative_Practices\"><\/span><a><\/a><strong>The Role of Inflated Claims and Manipulative Practices<a><\/a><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A major contributing factor to Florida&#8217;s homeowners insurance crisis is the rampant issue of inflated claims and fraudulent activities led by unethical contractors and insurance adjusters. While adjusters do perform a critical role in assessing damage and ensuring fair claims, the current system has been hijacked by bad actors seeking to maximize their profits.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"790\" src=\"https:\/\/propertyonion.com\/education\/wp-content\/uploads\/2024\/10\/Screenshot-2024-10-13-at-1.03.28\u202fPM-1-1024x790.png\" alt=\"Florida insurance money\" class=\"wp-image-6124\" srcset=\"https:\/\/propertyonion.com\/education\/wp-content\/uploads\/2024\/10\/Screenshot-2024-10-13-at-1.03.28\u202fPM-1-1024x790.png 1024w, https:\/\/propertyonion.com\/education\/wp-content\/uploads\/2024\/10\/Screenshot-2024-10-13-at-1.03.28\u202fPM-1-300x231.png 300w, https:\/\/propertyonion.com\/education\/wp-content\/uploads\/2024\/10\/Screenshot-2024-10-13-at-1.03.28\u202fPM-1-768x592.png 768w, https:\/\/propertyonion.com\/education\/wp-content\/uploads\/2024\/10\/Screenshot-2024-10-13-at-1.03.28\u202fPM-1-1536x1185.png 1536w, https:\/\/propertyonion.com\/education\/wp-content\/uploads\/2024\/10\/Screenshot-2024-10-13-at-1.03.28\u202fPM-1.png 1582w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Contractors, particularly in roofing and restoration, often team up with adjusters to persuade homeowners to file exaggerated claims. These roofing companies encourage property owners to look for damage they might not have even noticed, suggesting they can get a &#8220;big payout&#8221; from their insurance. This practice is not just limited to legitimate claims but sometimes involves deliberately causing minor damage to inflate the scope of the repairs.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1432\" height=\"1748\" src=\"https:\/\/propertyonion.com\/education\/wp-content\/uploads\/2024\/10\/Screenshot-2024-10-13-at-1.03.40\u202fPM.png\" alt=\"Florida insurance skyrocketing \" class=\"wp-image-6123\" style=\"width:840px;height:auto\" srcset=\"https:\/\/propertyonion.com\/education\/wp-content\/uploads\/2024\/10\/Screenshot-2024-10-13-at-1.03.40\u202fPM.png 1432w, https:\/\/propertyonion.com\/education\/wp-content\/uploads\/2024\/10\/Screenshot-2024-10-13-at-1.03.40\u202fPM-246x300.png 246w, https:\/\/propertyonion.com\/education\/wp-content\/uploads\/2024\/10\/Screenshot-2024-10-13-at-1.03.40\u202fPM-839x1024.png 839w, https:\/\/propertyonion.com\/education\/wp-content\/uploads\/2024\/10\/Screenshot-2024-10-13-at-1.03.40\u202fPM-768x937.png 768w, https:\/\/propertyonion.com\/education\/wp-content\/uploads\/2024\/10\/Screenshot-2024-10-13-at-1.03.40\u202fPM-1258x1536.png 1258w\" sizes=\"auto, (max-width: 1432px) 100vw, 1432px\" \/><\/figure>\n\n\n\n<p>These artificially trumped-up claims place a massive financial strain on insurance companies, leading to increased premiums for everyone. According to industry reports, Florida represents nearly 79% of all insurance litigation in the United States, even though it accounts for only 9% of the nation&#8217;s homeowner insurance claims. This disproportionate number highlights the impact of aggressive legal tactics and fraudulent activities.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>To address the Florida homeowners insurance crisis, it is essential to implement stricter regulations and oversight of claims practices and adjusters.<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_Impact_on_Real_Estate_Investors\"><\/span><a><\/a><strong>The Impact on Real Estate Investors<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>For real estate investors, the rising cost of insurance and the unpredictability of policy renewals in Florida create a complex landscape. When investors cannot accurately predict their expenses, it affects their ability to assess the profitability of new acquisitions and the sustainability of their current holdings. Properties that might have been lucrative investments are now seen as liabilities due to the inability to secure or afford insurance.<\/p>\n\n\n\n<p>Many investors are now forced to <a href=\"https:\/\/propertyonion.com\/education\/steps-to-prepare-for-natural-disasters-in-florida\/\" target=\"_blank\">seek properties with updated features,<\/a> such as newer roofs and hurricane-resistant windows, just to ensure that they can get insurance coverage. Even then, they face higher deductibles and increased scrutiny from insurers, who are becoming more selective about the properties they are willing to cover.<\/p>\n\n\n\n<p>This situation has led some investors to consider pulling out of the Florida market entirely, as the unpredictability of insurance costs makes it difficult to project long-term returns on investment. The crisis is not just a problem for new investors but also for those who have already built a portfolio in the state. Rising premiums and non-renewals can turn previously stable investments into financial burdens overnight.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_Regulations_Are_Needed\"><\/span><a><\/a><strong>Why Regulations Are Needed<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>To address the Florida homeowners insurance crisis, it is essential to implement stricter regulations and oversight of claims practices and adjusters. There must be a focus on eliminating inflated claims that are pushed by unscrupulous contractors and insurance adjusters who manipulate the system for profit. While these adjusters serve an essential purpose in helping property owners recover from genuine losses, their role has been tainted by those who exploit legal loopholes for financial gain.<\/p>\n\n\n\n<p>Regulatory bodies should impose clear guidelines to limit the ability of contractors to influence homeowners into filing fraudulent or exaggerated claims. This can include restrictions on contractors soliciting repairs or claims directly from property owners and increased scrutiny on adjusters working closely with these companies. There also needs to be a cap on the payouts that can be claimed without substantial proof of actual damage, reducing the incentive for inflating repair costs.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>The Florida homeowners insurance crisis is a multi-faceted problem with no easy solutions.<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Moving_Toward_a_Sustainable_Insurance_Environment\"><\/span><a><\/a><strong>Moving Toward a Sustainable Insurance Environment<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>For Florida\u2019s homeowners and real estate investors, the only way forward is through comprehensive reforms aimed at stabilizing the insurance market. This includes reducing the litigious nature of the state&#8217;s insurance landscape, where aggressive legal tactics are driving up costs for everyone. Recent reforms, such as the passage of Bill 2-A, have shown some promise in slowing down the rate hikes by limiting the filing window for claims and reducing the payouts for attorneys&#8217; fees.<\/p>\n\n\n\n<p>However, more needs to be done. We must continue pushing for reforms that hold all parties accountable ,  from contractors and adjusters to insurers and policyholders. By creating a more balanced and transparent insurance market, we can protect both property owners and investors from unfair practices that inflate costs and destabilize the market.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_Road_Ahead_for_Investors\"><\/span><a><\/a><strong>The Road Ahead for Investors<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The Florida homeowners insurance crisis is a multi-faceted problem with no easy solutions. As it stands, real estate investors must navigate an unpredictable environment where <a href=\"https:\/\/propertyonion.com\/education\/what-kind-of-insurance-do-real-estate-investors-need\/\" target=\"_blank\">securing affordable insurance<\/a> has become a significant hurdle. Until we see meaningful changes in how claims are handled and stricter regulations on inflated damage assessments, the situation is likely to worsen before it improves.<\/p>\n\n\n\n<p>For investors, the key takeaway is to stay informed and proactive. Investigate properties thoroughly for potential risks, ensure they meet the latest building codes, and engage with insurance providers early in the process to secure the best possible rates. As the market continues to adapt, those who stay ahead of these changes and advocate for fair practices will be better positioned to thrive in Florida\u2019s challenging but still promising real estate landscape.<\/p>\n\n<p>Rising Florida insurance costs directly affect the <a href=\"https:\/\/propertyonion.com\/education\/what-is-a-cap-rate-in-real-estate\/\" target=\"_blank\" rel=\"noopener\">cap rate real estate<\/a> calculations on every rental property in the state. Investors who underestimate current premium levels when evaluating deals often find actual returns fall significantly below projections.<\/p><p>Insurance challenges affect <a class=\"wpil_keyword_link\" href=\"https:\/\/propertyonion.com\/education\/fix-and-flip-design\/\" target=\"_blank\" rel=\"noopener\" title=\"How to Best Design your Fix and Flip House\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"158472\">fix and flip<\/a> investors too. When you <a href=\"https:\/\/propertyonion.com\/education\/how-to-estimate-rehab-costs-in-real-estate-without-seeing-inside\/\" target=\"_blank\" rel=\"noopener\">estimate rehab costs<\/a> for an auction property, always include the cost of vacant property and builder risk insurance throughout the renovation period as a true carrying cost.<\/p><p>Properties purchased at <a href=\"https:\/\/propertyonion.com\/education\/understanding-foreclosure-auctions-in-florida\/\" target=\"_blank\" rel=\"noopener\">florida foreclosure auctions<\/a> frequently require specialized vacant property coverage that standard homeowner policies will not provide, adding a line item to your acquisition budget that many new investors overlook.<\/p><p>The insurance cost issue is part of the broader <a href=\"https:\/\/propertyonion.com\/education\/real-estate-investor-tax-pitfalls\/\" target=\"_blank\" rel=\"noopener\">real estate investor tax pitfalls<\/a> landscape. Insurance premiums are deductible expenses for rental properties, so tracking and reporting them correctly reduces your overall tax burden.<\/p><p>Before investing in any Florida market, run the <a href=\"https:\/\/propertyonion.com\/education\/what-is-the-price-to-rent-ratio-and-how-to-use-it-to-profit\/\" target=\"_blank\" rel=\"noopener\">price to rent ratio<\/a> with current insurance cost estimates factored in, since in some markets rising premiums have materially changed whether the cash flow math supports a buy-and-hold strategy.<\/p>\n<div style=\"background-color:#eef6fd;border-left:5px solid #1a73b8;border-radius:6px;padding:24px 28px;margin:32px 0;font-family:Georgia, serif\">\n<p style=\"font-size:20px;font-weight:bold;color:#1a3a5c;margin:0 0 10px 0\">Your Complete Florida Auction Investing Resource<\/p>\n<p style=\"font-size:15px;color:#2c4a6e;margin:0 0 14px 0\">Whether you are evaluating your first deal or managing an active portfolio, <strong>PropertyOnion.com<\/strong> has the tools you need. Access all Florida county auctions and download our free investor eBooks covering every stage of the process.<\/p>\n<a href=\"https:\/\/propertyonion.com\/?&amp;reference_member_id=wpposts45&amp;ref2=wpposts45\" target=\"_blank\" rel=\"noopener\" style=\"background-color:#1a73b8;color:#ffffff;font-family:Arial, sans-serif;font-size:15px;font-weight:bold;padding:12px 24px;border-radius:4px;text-decoration:none\">Download the Free eBook Now<\/a>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Florida&#8217;s florida home insurance investors carry has become one of the most significant threats to rental property returns in the state, with premiums rising dramatically and some carriers exiting the market entirely, leaving investors scrambling&hellip;<\/p>\n","protected":false},"author":11,"featured_media":6119,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[419,954,140,364,861,955,956,810],"class_list":["post-6097","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate-investing-articles","tag-florida-real-estate","tag-homeowners-insurance","tag-hurricane-damage","tag-inflation","tag-insurance-costs","tag-insurance-crisis","tag-insurance-fraud","tag-real-estate-investors"],"_links":{"self":[{"href":"https:\/\/propertyonion.com\/education\/wp-json\/wp\/v2\/posts\/6097","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/propertyonion.com\/education\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/propertyonion.com\/education\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/propertyonion.com\/education\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/propertyonion.com\/education\/wp-json\/wp\/v2\/comments?post=6097"}],"version-history":[{"count":915,"href":"https:\/\/propertyonion.com\/education\/wp-json\/wp\/v2\/posts\/6097\/revisions"}],"predecessor-version":[{"id":37423,"href":"https:\/\/propertyonion.com\/education\/wp-json\/wp\/v2\/posts\/6097\/revisions\/37423"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/propertyonion.com\/education\/wp-json\/wp\/v2\/media\/6119"}],"wp:attachment":[{"href":"https:\/\/propertyonion.com\/education\/wp-json\/wp\/v2\/media?parent=6097"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/propertyonion.com\/education\/wp-json\/wp\/v2\/categories?post=6097"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/propertyonion.com\/education\/wp-json\/wp\/v2\/tags?post=6097"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}