If I may, a lot of the issues we are running into with insurance is that consumers no longer use insurance as a catastrophic fall back but rather, they nickel and dime on small claims that compund into larger issues. 

Catastrophic flooding begins when things start to flatten out in basins, and there is nowhere for the water to go quickly.

I am saving as much as I can for now and hope nothing catastrophic throws my plans into jeopardy. 

Properties with updates, clean loss runs, and stronger maintenance records will continue to get the best treatment.There’s still volatility, especially in catastrophe-prone zones, but we’re not in the freefall that defined 2022–2023.If you’re underwriting deals this year, factor in that insurance markets are moving, but the hard market isn’t over.

You're absolutely right to be cautious — living in Florida without coverage for named storms is a major exposure, especially with how frequently hurricanes affect the region.While commercial insurance might be attractive for things like liability or rental flexibility, if it excludes named storm coverage, you're potentially on the hook for catastrophic losses from wind, rain, or flooding during a hurricane — which is exactly the kind of risk insurance is meant to protect against.Here’s a quick breakdown of your situation:Florida = high hurricane risk.Named storms = the biggest insurance threat in Florida.No named storm coverage = you could lose the entire structure without reimbursement.

Disarming the nuke with a second left is a great analogy... it has the sense of high stress, catastrophic loss and the implication that more than just one person is going to get hurt... 

The Strongest Protection Comes from Using Both:Many experienced landlords and legal/financial advisors recommend using both strategies for a robust asset protection plan:LLC as the First Layer: The LLC acts as the primary legal shield, holding the rental properties and separating them from your personal wealth.Underlying Landlord Insurance: Each property within the LLC should have its own landlord insurance policy with adequate underlying liability limits.Commercial Umbrella Policy as the Second Layer: The commercial umbrella policy sits above the underlying landlord policies for all properties owned by the LLC, providing a large pool of additional funds to cover catastrophic liability claims that exceed the underlying limits.Example of Both Working Together:Someone is severely injured on a property owned by your LLC.

It might get worse before it gets better, but I don't think the insurance issue will be catastrophic for our market. 

A few comments, with a summary below and more details that follow:1.A 2-5 MW solar farm in California would REQUIRE energy storage to avoid complete economic catastrophe. 2.A 2-5 MW solar farm in the US would interface with DISTIBUTION networks, not TRANSMISSION networks.3.Siting would generally NOT be on rooftops unless you have a factory like a Tesla Gigafactory (think Nevada, 24MW)4.The IRRs you stipulate are not achievable on any project I know in 2025.

Less buyers, much higher insurance, catastrophic damage.I had a borrower trying to buy a flip on the west coast of FL last fall, property was in a flood zone.