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Here, the Insured (a homeowner’s association) submitted a claim for roof damage.

"It should have known a day of reckoning would come should it lose in the end."

Florida's picturesque coastline and temperate climate attract many residents and tourists, but it also exposes the state to the adverse effects of climate change.

Despite the challenges presented by the housing crisis in Florida, there are glimmers of hope through various affordable housing initiatives.

Florida is no stranger to natural disasters, which have resulted in rising insurance costs for homeowners throughout the state.

Florida's housing crisis has reached a critical point, with a growing divide between those who can afford a place to live and those who cannot.