What is going on with insurance in FL?!?

[Travis Moe]

BP-

Can somebody help me understand what's happening in FL with insurance on rentals? I have a detached duplex in JAX and I can't get a reasonable quote. My existing insurer pulled coverage and exited the FL market entirely. I'm finding many other companies doing the same - like FL is toxic or something. 

My lender ended up purchasing a policy for me but the rates and terms are terrible. Trouble is, I'm laboring to get anything to replace it. The property is in good condition. Fully rented and stabilized. New major systems and roof. Not in a flood zone. 

I can insure my SoCal properties in 30 seconds online without a hiccup and they literally sit on the San Andreas Fault. Yet I cannot get anybody to touch the JAX property and I'm feeling flustered. Looking for explanations and, of course, referrals to reputable, capable insurance agents specializing in small rentals. 

Thanks, BP!

[Jason Smith]

@Travis Moe roof scams "According to the Insurance Information Institute, in 2021, over 100,000 property claim lawsuits were filed in Florida. They said no other state had over 900." Why Florida can't change the laws to be like other states I don't know. All the ambulance chasing lawyers are doing roof scams now. they drag out the lawsuits forever so the insurance company settles.