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The Unfinished Half: Core Principles for Coastal Catastrophe Markets

Don D. Brown Working Paper (Draft) ABSTRACT Every catastrophe-exposed coastal state in the United States is somewhere on a common arc: administrative dysfunction accumulates in the property insurance market, reforms are enacted, the market environment measurably improves, and the professional community moves toward confidence that the market's fundamental problems have been addressed. This paper offers a portable analytical framework for that arc, applicable to any coastal st

Don D. Brown

4 days ago

Two Confidences, Two Categories: Florida's Property Insurance Market After Reform

Don D. Brown Member, Florida Hurricane Catastrophe Fund Advisory Council Member, Florida Building Commission Former Chairman, Florida House Committee on Insurance July 2026 Abstract Florida's property insurance market has, over the past three years, exhibited measurable improvement following the 2022 and 2023 legislative reforms targeting assignment of benefits, one-way attorney fee entitlements, and litigation practice. The reforms produced documented reductions in loss-adju

Don D. Brown

4 days ago

Concentration, Correlation, and the Limits of Capacity

Why Florida's Property Insurance Market Faces Structural Reconstitution Risk and What a Six-Pillar Reform Framework Can Do About It Don D. Brown Former Chairman, Florida House Insurance Committee (2007–2008) Member, Florida Hurricane Catastrophe Fund Advisory Council | Member, Florida Building Commission Submitted for Academic Review | April 2026 ABSTRACT Florida's property insurance market has achieved surface stability since the legislative reforms of 2022 and 2023. Premium

Don D. Brown

4 days ago

FEATURED BOOKS:

ENDORSEMENTS

Don’s storytelling is nothing short of captivating. He brings a chapter like “Roots to Realization” to life, almost as if you're stepping right into a scene from "Tom Sawyer." Knowing Don for over twenty years, I’ve seen how he can spin a simple chat into a Southern tale that leaves everyone a bit wiser and much more entertained.

DENNIS ROSS,

Fmr FL HOR. US Congress. Prof Southeastern University

…Don’s book is a constructive attempt to not only explain the structure and history of the FL insurance market, but to critique it in a way that only someone with his perspective and background can do. He is a member of the Advisory Council for the FL Hurricane Catastrophe Fund as well as a member of the FL Building Commission

Dr. JACK NICHOLSON, Fmr COO FL Hurricane Castrophy Fund

The 9 Guideline Principles to Enact Change: A Legislator’s Memoir… His essays on the Florida homeowners insurance market should be required reading for current and future legislators. Don's mantra of correctly identifying the problem before attempting to solve it is a wake-up call for all involved in public policy.

LESLIE WATERS,

Mayor Seminole FL.

Fmr FL HOR. Speaker Pro Tempore

In The Press