EXPOSED! INSURANCE NEWS.

Why Advocacy Matters More Than Ever in Today’s Insurance Landscape

Consumer confidence in insurance is at an all-time low and that’s not speculation. It’s a reality shaped by rising premiums, shrinking coverage, delayed claims, disputed losses, and an increasingly complex insurance environment that leaves policyholders confused, frustrated, and underprotected.

At GlobalPro, we believe information is a form of advocacy. That belief is exactly why we launched Exposed: Insurance News. To get more information like this, make sure you are following GlobalPro on all the social media platforms.

Over the course of 2025, we featured over 30 insurance news stories across all of our social media channels that were designed to break down what’s really happening behind the headlines from market shifts and regulatory changes to claims trends and coverage challenges. Our goal was simple: to empower policyholders with clarity at a time when trust is strained.

Major NOAA Budget Cuts Proposed

The federal budget for NOAA could drop by 27% from $6.1B to $4.5B – endangering hurricane research and forecasts.

Home Insurance Premiums Set to Rise in 2025

Which state expects to see the largest increase in home insurance premiums in 2025?

Florida HB 715

What Florida homeowners need to know about this new legislation.

Lawmakers Leave Tallahassee Without Insurance Reform

After 105 days of promises, Florida’s legislative session ends without significant action on premiums or insurer accountability.

New York Investigates Property Insurance

Lawmakers are launching a joint investigation into the state’s property insurance market.

$12 Trillion in US Homes at Risk

Over 25% of US homes face severe risks from flooding , hurricane winds, or wildfires- driving up insurance costs.

US Average Home Insurance Premiums Hit Record Highs

Premiums rising, risks increasing- when your coverage matters more than ever.

Florida Insurers Fined Over $12 Million

But is it real accountability, or just a show?

Coverage Gaps Exposed: Domestic Terrorism & Insurance

Businesses face rising risks as insurers exclude coverage in a shifting legal environment.

Florida’s Insurance Fines: A Spotlight on a Broken System

Three insurers fined for mishandling claims- but are the penalties enough to protect policyholders?

NFIP Expiration: Flood Insurance at Risk

The NFIP is set to expire- leaving homeowners and businesses exposed.

“Real Consequences” FEMA & Flood Insurance Funding in Jeopardy

House Speaker Mike Johnson warns that a prolonged government shutdown could impact critical aid programs.

California Reinvens Its Insurance Safety Net

New law aims to protect policyholders as disaster risks rise. But does it?

Another Major Insurer Exits the Market

QBE to withdraw from the US home insurance market, affecting thousands of California policyholders.

MGT Secures $21.6M to rewrite Insurance Rules

$21.6M Raise: AI-Powered Insurance for Small Businesses Gains Momentum.

Chubb’s Profits Surge in Q3

Lower catastrophe losses and stronger investments drive record earnings.

Florida’s Home Insurance Market Faces a Major Collapse

A new study reveals a 78% drop in Florida’s home insurance market as climate risks push the system to the brink.

Florida Faces Legal Battle Over ‘Anti-Public Adjuster’ Policies

Public adjuster groups fight back against new insurance endorsements limiting homeowners’ rights.

A Major Milestone for Florida’s Insurance Market

A sign of growing stability in the private insurance market.

Georgia Follows Florida’s Lead: A Legal Shift in Motion

Just like Florida before its 2023 tort reforms, Georgia saw a major spike in lawsuits ahead of its new litigation limits taking effect.

AAA Announces Another Rate Cut for Florida Policyholders

A more stable insurance market is bringing real savings to Florida drivers and homeowners.

Florida’s Insurance Market Hits a Major Milestone

Citizens is no longer the largest property insurer in the state- signaling a big shift toward market stability.

Insurance Customers are Skeptical About AI

What policyholders really think about insurers using artificial intelligence.

AI is Changing Everything – But Who Covers the Risks?

How insurers are stepping in as AI rapidly expands.

Texas Flood Funds Left on the Table

Why dozens of local governments rejected millions meant to protect communities.

People Moves: Texas Mutual Insurance Company Board

Leadership strengthening the future of Texas workers’ compensation.

Top Insurance Trends Shaping 2025

How evolving risks and technologies are reshaping the industry.

From Confusion to Collaboration

Legal Finance & Insurance: Finding common ground in a changing claims landscape.

Florida Lawmakers Push to Fix Flood Insurance Penalty

New bill aims to expand consumer choice without higher costs.

Florida House Panel Passes Bill on Claims Denials

A move toward requiring human involvement in insurance claims decisions.

NSI Insurance Group Expands in Florida

Miami-based NSI acquires Mutual Insurance Group.

Florida Bank Expands into Insurance Solutions

City National Bank partners with NSI Insurance Group.

$50M Florida Verdict Highlights Legal & Insurance Risks

A landmark ease with major implications for insurers, attorneys, and policyholders.

And here’s WHY THAT MATTERS:

A More Complicated System and a More Vulnerable Policyholder

The modern insurance landscape is no longer built for simplicity. Policies are filled with exclusions, endorsements, definitions, and procedural requirements that can dramatically affect recovery after a loss. At the same time, insurers are navigating mounting pressures tied to climate risk, reinsurance costs, litigation exposure, and regulatory scrutiny.

The result? A widening gap between what policyholders expect from insurance and what they actually experience when it’s time to file a claim.

Through Exposed: Insurance News, we highlighted critical developments shaping this reality, because policyholders cannot make informed decisions without understanding the forces at play. Check out our social media channels for more and make sure you click to follow.

Why Information Is Advocacy

By curating and sharing timely insurance news, GlobalPro acted as an independent voice focused on the policyholder’s perspective. We addressed issues such as:

• Market volatility and insurer retrenchment
• Regulatory and legislative changes
• Claims handling trends and dispute mechanisms
• Reinsurance impacts and coverage availability

These insights aren’t just informative, they’re protective. When policyholders understand the system, they are better equipped to navigate it, challenge it when necessary, and avoid costly missteps.

Representation Changes Outcomes. The Data Confirms It.

One of the most consistent themes behind the stories we shared is this: representation matters. This isn’t anecdotal. It’s proven. Two government-funded research efforts underscore the importance of advocacy:

• Texas Appraisal Statistics show that policyholders who pursue appraisal with professional representation consistently achieve higher claim valuations than those who do not.

• The OPPAGA Report (Florida’s Office of Program Policy Analysis & Government Accountability) confirms that represented policyholders recover significantly more than unrepresented ones.

The conclusion from both studies is unmistakable: With representation, policyholders receive what they are rightfully owed. Without it, they often don’t.

Fiduciary Responsibility in a High-Stakes Environment

For community association managers, board members, and business owners, this issue carries even greater weight.

These leaders have fiduciary obligations to protect assets, act prudently, and make informed decisions on behalf of others. In today’s insurance climate, that duty includes understanding:

• How coverage may have changed
• When disputes require expert intervention
• Why relying solely on insurer guidance can be risky

Ignoring advocacy or assuming the claims process will resolve itself fairly can expose organizations to financial loss and governance risk.

Call Us First: A Campaign Built on Evidence

As we move into the new year, GlobalPro will continue our Call Us First Campaign because the data supports it.

• Before accepting a claim decision.
• Before signing off on a settlement.
• Before navigating appraisal, disputes, or recovery alone.

Call GlobalPro first.

The Texas appraisal data and the OPPAGA report confirm what we see every day: early, expert involvement protects recovery and improves outcomes.

Advocacy Is the Throughline

Exposed: Insurance News was never just a content campaign, it was a commitment.

• A commitment to transparency.
• A commitment to education.
• A commitment to advocacy when confidence in insurance is at its lowest.

As the industry continues to evolve, GlobalPro will remain focused on one constant: standing up for policyholders and ensuring recovery is handled fairly, strategically, and with expertise.

Because when it comes to insurance, information isn’t just power, it’s protection.

Check out our social media channels for more and make sure you click to follow.