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Florida is the most expensive state for homeowners insurance.

Joe Winner Joe Winner April 29th
EAST NAPLES, FL - SEPTEMBER 11: Lorraine Wainwright inspects damage to her yard and home after Hurricane Irma hit the area on September 11, 2017 in East Naples, Florida. Yesterday Hurricane Irma hit Florida's west coast leaving widespread damage and flooding. (Photo by Mark Wilson/Getty Images)

Insurance brokers claim both weather and non weather related claims are up and that Hurricane Irma was a big part. That’s one of the reasons Florida is the most expensive state for homeowners insurance.  As reported by Local 10,  according to the National Association of Insurance Commissioners, more than 76% of all litigation against insurers in the U.S. in 2019 was in Florida.

So if you’ve sued your insurance company to pay your claim here in Florida, you certainly aren’t alone.

I know first hand that my Florida homeowners insurance has definitely gone up, but fortunately the tax appraiser has been kind in their assessments. If the tax appraiser starts to increase the tax appraised values on our homes to match this crazy hot real estate market we’re going to see a tax hit to match the insurance hike.

Florida.

  • Powerful Hurricane Irma Slams Into Florida

    NAPLES, FL - SEPTEMBER 11: Louis Castro picks up a coconut downed by the winds of Hurricane Irma on September 11, 2017 in Naples, Florida. Hurricane Irma made landfall in the Florida Keys as a Category 4 storm on Sunday, lashing the state with 130 mph winds as it moved up the coast. (Photo by Mark Wilson/Getty Images)

  • Powerful Hurricane Irma Slams Into Florida

    NAPLES, FL - SEPTEMBER 11: Fran Schaner tries to walk up to her flooded home in a rural area the morning after Hurricane Irma swept through the area on September 11, 2017 in Naples, Florida. Hurricane Irma made another landfall near Naples yesterday after inundating the Florida Keys. Electricity was out in much of the region with extensive flooding. (Photo by Spencer Platt/Getty Images)

  • Powerful Hurricane Irma Slams Into Florida

    NAPLES, FL - SEPTEMBER 11: A family leaves their flooded home in a rural area the morning after Hurricane Irma swept through the area on September 11, 2017 in Naples, Florida. Hurricane Irma made another landfall near Naples yesterday after inundating the Florida Keys. Electricity was out in much of the region with extensive flooding. (Photo by Spencer Platt/Getty Images)

  • Powerful Hurricane Irma Slams Into Florida

    NAPLES, FL - SEPTEMBER 11: A truck drives over downed trees after Hurricane Irma hit the area on September 11, 2017 in Naples, Florida. Hurricane Irma made landfall in the Florida Keys as a Category 4 storm on Sunday, lashing the state with 130 mph winds as it moved up the coast. (Photo by Mark Wilson/Getty Images)

  • Powerful Hurricane Irma Slams Into Florida

    EAST NAPLES, FL - SEPTEMBER 11: The Sunrise Motel remains flooded after Hurricane Irma hit the area on September 11, 2017 in East Naples, Florida. Yesterday Hurricane Irma hit Florida's west coast leaving widespread damage and flooding. (Photo by Mark Wilson/Getty Images)

  • Powerful Hurricane Irma Slams Into Florida

    EAST NAPLES, FL - SEPTEMBER 11: A home is shown damaged after Hurricane Irma hit the area on September 11, 2017 in East Naples, Florida. Hurricane Irma made landfall in the Florida Keys as a Category 4 storm on Sunday, lashing the state with 130 mph winds as it moved up the coast. (Photo by Mark Wilson/Getty Images)

  • Powerful Hurricane Irma Slams Into Florida

    NAPLES, FL - SEPTEMBER 11: A car covered by a downed tree sits along a flooded road the morning after Hurricane Irma swept through the area on September 11, 2017 in Naples, Florida. Hurricane Irma made another landfall near Naples yesterday after inundating the Florida Keys. Electricity was out in much of the region with localized flooding. (Photo by Spencer Platt/Getty Images)

  • Powerful Hurricane Irma Slams Into Florida

    NAPLES, FL - SEPTEMBER 11: An awning is shown destroyed at a gas station the morning after Hurricane Irma swept through the area on September 11, 2017 in Naples, Florida. Hurricane Irma made another landfall near Naples yesterday after inundating the Florida Keys. Electricity was out in much of the region with localized flooding. (Photo by Spencer Platt/Getty Images)

  • Powerful Hurricane Irma Slams Into Florida

    NAPLES, FL - SEPTEMBER 11: People wait in line for a store to open for food and water the morning after Hurricane Irma swept through the area on September 11, 2017 in Naples, Florida. Hurricane Irma made another landfall near Naples yesterday after inundating the Florida Keys. Electricity was out in much of the region with localized flooding. (Photo by Spencer Platt/Getty Images)

  • Florida Begins Long Recovery After Hurricane Irma Plows Through State

    BIG PINE KEY, FL - SEPTEMBER 14: Toppled trees and boats raised out of the water are seen in the Atlantis Estates neighborhood September 14, 2017 on Big Pine Key, Florida. Many places in the Keys still lack water, electricity or mobile phone service and residents are still not permitted to go further south than Islamorada. The Federal Emergency Managment Agency has reported that 25-percent of all homes in the Florida Keys were destroyed and 65-percent sustained major damage when they took a direct hit from Hurricane Irma. (Photo by Chip Somodevilla/Getty Images)

  • Florida Keys Remain Without Basic Utilities After Direct Hit From Hurricane Irma

    MARATHON, FL - SEPTEMBER 15: Trees and powerlines blown down by Hurricane Irma continue to block streets September 15, 2017 in Marathon, Florida. Many places in the Keys still lack water, electricity or mobile phone service and residents are still not permitted to go further south than Islamorada. The Federal Emergency Management Agency has reported that 25-percent of all homes in the Florida Keys were destroyed and 65-percent sustained major damage when they took a direct hit from Hurricane Irma. (Photo by Chip Somodevilla/Getty Images)

  • Florida Keys Remain Without Basic Utilities After Direct Hit From Hurricane Irma

    BIG PINE KEY, FL - SEPTEMBER 15: Homes that were damaged or destroyed by Hurricane Irma are piled up in the Big Pine Cove neighborhood September 15, 2017 in Big Pine Key, Florida. Many places in the Keys still lack water, electricity or mobile phone service and residents are still not permitted to go further south than Islamorada. The Federal Emergency Management Agency has reported that 25-percent of all homes in the Florida Keys were destroyed and 65-percent sustained major damage when they took a direct hit from Hurricane Irma. (Photo by Chip Somodevilla/Getty Images)

  • Florida Keys Remain Without Basic Utilities After Direct Hit From Hurricane Irma

    MARATHON, FL - SEPTEMBER 16: Debris from a damaged business sits on the side of the road on US1 on September 16, 2017 in Marathon, Florida. Many places in the Keys still lack water, electricity or mobile phone service and residents are still not permitted to go further south than Islamorada. The Federal Emergency Management Agency has reported that 25-percent of all homes in the Florida Keys were destroyed and 65-percent sustained major damage when they took a direct hit from Hurricane Irma. (Photo by Angel Valentin/Getty Images)

  • Florida Keys Remain Without Basic Utilities After Direct Hit From Hurricane Irma

    MARATHON, FL - SEPTEMBER 16: A destroyed SUV sits outside the Bahia Honda State Park on September 16, 2017 in Marathon, Florida. Many places in the Keys still lack water, electricity or mobile phone service and residents are still not permitted to go further south than Islamorada. The Federal Emergency Management Agency has reported that 25-percent of all homes in the Florida Keys were destroyed and 65-percent sustained major damage when they took a direct hit from Hurricane Irma. (Photo by Angel Valentin/Getty Images)

  • Florida Keys Remain Without Basic Utilities After Direct Hit From Hurricane Irma

    KEY WEST, FL - SEPTEMBER 16: A man looks out at the ocean from The Southernmost Point marker in Key West on September 16, 2017 in Key West, Florida. Many places in the Keys still lack water, electricity or mobile phone service and residents are still not permitted to go further south than Islamorada. The Federal Emergency Management Agency has reported that 25-percent of all homes in the Florida Keys were destroyed and 65-percent sustained major damage when they took a direct hit from Hurricane Irma. (Photo by Angel Valentin/Getty Images)

  • Florida Keys Remain Without Basic Utilities After Direct Hit From Hurricane Irma

    MARATHON, FL - SEPTEMBER 16: Felled power lines are seen by the roadside in Big Pine Key on September 16, 2017 in Marathon, Florida. Many places in the Keys still lack water, electricity or mobile phone service and residents are still not permitted to go further south than Islamorada. The Federal Emergency Managment Agency has reported that 25-percent of all homes in the Florida Keys were destroyed and 65-percent sustained major damage when they took a direct hit from Hurricane Irma. (Photo by Angel Valentin/Getty Images)

  • Florida Keys Begin Long Recovery After Direct Hit From Hurricane Irma

    SUMMERLAND KEY, FL - SEPTEMBER 17: Dianna Sosbey surveys her home that was damaged as hurricane Irma passed through the area on September 17, 2017 in Summerland Key, Florida. The Federal Emergency Management Agency has reported that 25-percent of all homes in the Florida Keys were destroyed and 65-percent sustained major damage when they took a direct hit from Hurricane Irma. (Photo by Joe Raedle/Getty Images)

  • Florida Keys Begin Long Recovery After Direct Hit From Hurricane Irma

    SUMMERLAND KEY, FL - SEPTEMBER 17: John Rhode attempts to salvage what he can from his home that was destroyed by hurricane Irma on September 17, 2017 in Summerland Key, Florida. The Federal Emergency Management Agency has reported that 25-percent of all homes in the Florida Keys were destroyed and 65-percent sustained major damage when they took a direct hit from Hurricane Irma. (Photo by Joe Raedle/Getty Images)

  • Florida Keys Begin Long Recovery After Direct Hit From Hurricane Irma

    BIG PINE, FL - SEPTEMBER 18: Boats are seen along the Overseas highway after they were deposited there by Hurricane Irma as it passed through the area on September 18, 2017 in Big Pine Key, Florida. The process of rebuilding has begun as the Federal Emergency Management Agency has reported that 25 percent of all homes in the Florida Keys were destroyed and 65 percent sustained major damage when they took a direct hit from Hurricane Irma. (Photo by Joe Raedle/Getty Images)

  • Florida Keys Begin Long Recovery After Direct Hit From Hurricane Irma

    MARATHON, FL - SEPTEMBER 18: A destroyed mobile home is seen after hurricane Irma passed through the area on September 18, 2017 in Marathon, Florida. The process of rebuilding has begun as the Federal Emergency Management Agency has reported that 25-percent of all homes in the Florida Keys were destroyed and 65-percent sustained major damage when they took a direct hit from Hurricane Irma. (Photo by Joe Raedle/Getty Images)

  • Florida Keys Begin Long Recovery After Direct Hit From Hurricane Irma

    MARATHON, FL - SEPTEMBER 19: A home that was destroyed by hurricane Irma is seen on September 19, 2017 in Marathon, Florida. The process of rebuilding has begun as the Federal Emergency Management Agency has reported that 25-percent of all homes in the Florida Keys were destroyed and 65-percent sustained major damage when they took a direct hit from Hurricane Irma. (Photo by Joe Raedle/Getty Images)

  • Florida Keys Begin Long Recovery After Direct Hit From Hurricane Irma

    MARATHON, FL - SEPTEMBER 19: Debris sits in front of a home that was damaged by hurricane Irma on September 19, 2017 in Marathon, Florida. The process of rebuilding has begun as the Federal Emergency Management Agency has reported that 25-percent of all homes in the Florida Keys were destroyed and 65-percent sustained major damage when they took a direct hit from Hurricane Irma. (Photo by Joe Raedle/Getty Images)

  • Florida Keys Begin Long Recovery After Direct Hit From Hurricane Irma

    MARATHON, FL - SEPTEMBER 19: Boats are pushed up along the shore line after hurricane Irma passed through the area on September 19, 2017 in Marathon, Florida. The process of rebuilding has begun as the Federal Emergency Management Agency has reported that 25 percent of all homes in the Florida Keys were destroyed and 65 percent sustained major damage when they took a direct hit from Hurricane Irma. (Photo by Joe Raedle/Getty Images)

  • Florida Keys Begin Long Recovery After Direct Hit From Hurricane Irma

    MARATHON, FL - SEPTEMBER 19: Boats are pushed up along the shore line after hurricane Irma passed through the area on September 19, 2017 in Marathon, Florida. The process of rebuilding has begun as the Federal Emergency Management Agency has reported that 25 percent of all homes in the Florida Keys were destroyed and 65 percent sustained major damage when they took a direct hit from Hurricane Irma. (Photo by Joe Raedle/Getty Images)

  • Florida Keys Begin Long Recovery After Direct Hit From Hurricane Irma

    ISLAMORADA, FL - SEPTEMBER 19: (FOR EDITORIAL USE ONLY) In this handout photo provided by the Florida Keys News Bureau, workers make repairs to a dock at Robbie's Marina on September 19, 2017 in Islamorada, Florida. Workers around the 125-mile island chain are effecting to repair damage caused by the tropical cyclone. (Photo by Andy Newman/Florida Keys News Bureau via Getty Images)

  • Florida Begins Long Recovery After Hurricane Irma Plows Through State

    CAPE CORAL, FL - SEPTEMBER 12: A man exits a 7-Eleven, one of the few stores open two days after Hurricane Irma swept through the area on September 12, 2017 in Cape Coral, Florida. Hurricane Irma made another landfall near Naples yesterday after inundating the Florida Keys. Electricity was out in much of the region with extensive flooding. (Photo by Spencer Platt/Getty Images)

  • Powerful Hurricane Irma Slams Into Florida

    NAPLES, FL - SEPTEMBER 11: A road with heavy debris stands on the outskirts of a rural part of Naples the day after Hurricane Irma swept through the area on September 11, 2017 in Naples, Florida. Hurricane Irma made another landfall near Naples yesterday after inundating the Florida Keys. Electricity was out in much of the region with extensive flooding. (Photo by Spencer Platt/Getty Images)

  • Florida Begins Long Recovery After Hurricane Irma Plows Through State

    NAPLES, FL - SEPTEMBER 12: A teenager walks round his damaged home in a heavily damaged community in rural Naples two days after Hurricane Irma swept through the area on September 12, 2017 in Naples, Florida. Hurricane Irma made another landfall near Naples yesterday after inundating the Florida Keys. Electricity was out in much of the region with extensive flooding. (Photo by Spencer Platt/Getty Images)

  • Florida Begins Long Recovery After Hurricane Irma Plows Through State

    NAPLES, FL - SEPTEMBER 12: Destroyed power lines hang above a road two days after Hurricane Irma swept through the area on September 12, 2017 in Naples, Florida. Hurricane Irma made another landfall near Naples yesterday after inundating the Florida Keys. Electricity was out in much of the region with extensive flooding. (Photo by Spencer Platt/Getty Images)

  • Florida Begins Long Recovery After Hurricane Irma Plows Through State

    IMMOKALEE, FL - SEPTEMBER 13: People walk through flooded streets in the rural migrant worker town of Immokalee, which was especially hard hit by Hurricane Irma on September 13, 2017 in Immokalee, Florida. Hurricane Irma made landfall near Naples after inundating the Florida Keys. Electricity was out in much of the region with extensive flooding. (Photo by Spencer Platt/Getty Images)

  • Florida Begins Long Recovery After Hurricane Irma Plows Through State

    IMMOKALEE, FL - SEPTEMBER 13: A woman walks through flooded streets in the rural migrant worker town of Immokalee, which was especially hard hit by Hurricane Irma on September 13, 2017 in Immokalee, Florida. Hurricane Irma made landfall near Naples after inundating the Florida Keys. Electricity was out in much of the region with extensive flooding. (Photo by Spencer Platt/Getty Images)

  • Immokalee, Florida Still Inundated With Flood Waters After Hurricane Irma

    IMMOKALEE, FL - SEPTEMBER 14: A road is closed in a rural migrant-worker town following Hurricane Irma on September 14, 2017 in Immokalee, Florida. Hurricane Irma made landfall near Naples after inundating the Florida Keys. Electricity was out in much of the region with extensive flooding. (Photo by Spencer Platt/Getty Images)

 

 

Florida homeowners insurance

Florida homeowners insurance

Florida homeowners insurance

Florida homeowners insurance

Florida homeowners insurance

Like most people in this town, Joe Winner hails from the Midwest. Ohio. When not on the air, you’ll find Joe all over town supporting community events and various charities and handing out fun stuff to all the people. Joe’s on-air features include “Joe’s Meals On Wheels” serving up free lunch, and “Intermission” where the listeners have to name the correct movie of the day to win fantastic prizes.
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