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Ron DeSantis: “We knew there were problems not just in homeowners insurance…”

Featuring: Ron DeSantis, Republican | Governor of Florida

Florida Gov. DeSantis Delivers Remarks At The American Property Casualty Insurance Association Event

Published October 6, 2025 | Video Starts at 04:19

The person with the claim got 50,000. How is that a system that makes any sense? And obviously people end up having to pay for that. So, so We knew there were problems not just in homeowners insurance market, which was obviously experiencing a lot of problems, but also in things like auto insurance. And there's different models about how you approach it. Some people try to do big government. I know California has tried that. (04:19–04:31)

CLAIM

Asserts that there were significant problems in Florida's homeowners and auto insurance markets.

This is an excerpt from a raw transcript. The assertions have not been audited or verified. Tap the video to view the source footage and understand the context.

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Ron DeSantis

“We have been ranked in Florida, the number one economy of all 50 states three years in a row by CNBC.”
Florida Gov. DeSantis Delivers Remarks At The American Property Casualty Insurance Association Event | Uploaded October 6, 2025 | 00:11-00:20
“While Florida had 8% of all property insurance claims nationwide, it accounted for 78% of all litigation nationwide.”
Florida Gov. DeSantis Delivers Remarks At The American Property Casualty Insurance Association Event | Uploaded October 6, 2025 | 10:17-10:31
“That's reduced the taxpayer backed Citizens Insurance by $303 billion.”
Florida Gov. DeSantis Delivers Remarks At The American Property Casualty Insurance Association Event | Uploaded October 6, 2025 | 15:38-15:44
“If you look at the power restoration after Hurricane Milton, we had 4.2 million restored in like 72 hours.”
Florida Gov. DeSantis Delivers Remarks At The American Property Casualty Insurance Association Event | Uploaded October 6, 2025 | 27:30-27:38
“Pine Island bridge, same thing. They thought it was going to take six months. We did that in three days.”
Florida Gov. DeSantis Delivers Remarks At The American Property Casualty Insurance Association Event | Uploaded October 6, 2025 | 28:35-28:41
“When I became governor in 2019, Florida was known as one of the country's worst judicial hellholes.”
Florida Gov. DeSantis Delivers Remarks At The American Property Casualty Insurance Association Event | Uploaded October 6, 2025 | 00:20-00:29
“I had three vacancies my first day in office.”
Florida Gov. DeSantis Delivers Remarks At The American Property Casualty Insurance Association Event | Uploaded October 6, 2025 | 01:51-01:56
“Florida's judicial system, in terms of what you get when you go in, is dramatically improved from where it was at the end of 2018.”
Florida Gov. DeSantis Delivers Remarks At The American Property Casualty Insurance Association Event | Uploaded October 6, 2025 | 02:25-02:36
“Florida had been one of the worst states in terms of the trial litigation.”
Florida Gov. DeSantis Delivers Remarks At The American Property Casualty Insurance Association Event | Uploaded October 6, 2025 | 03:42-03:50
“One of the governors at the time who actually has run for governor since then, a bunch of times, you know, he tried to do like price…”
Florida Gov. DeSantis Delivers Remarks At The American Property Casualty Insurance Association Event | Uploaded October 6, 2025 | 05:50-05:57
“The first major [hurricane] to make a landfall on Florida in over a decade was Irma in 2017.”
Florida Gov. DeSantis Delivers Remarks At The American Property Casualty Insurance Association Event | Uploaded October 6, 2025 | 06:42-06:49
“Florida's market had the lowest increases of all 50 states [in 2024].”
Florida Gov. DeSantis Delivers Remarks At The American Property Casualty Insurance Association Event | Uploaded October 6, 2025 | 12:52-13:04
“As of September 30, Florida's Office of Insurance Regulation has received 59 rate filings for rate decreases and 87 filings for zero rate…”
Florida Gov. DeSantis Delivers Remarks At The American Property Casualty Insurance Association Event | Uploaded October 6, 2025 | 13:14-13:29
“Florida Peninsula Insurance Company has requested its largest rate decrease in recent memory.”
Florida Gov. DeSantis Delivers Remarks At The American Property Casualty Insurance Association Event | Uploaded October 6, 2025 | 13:31-13:39
“We have 17 new companies, you know, that are entering the market.”
Florida Gov. DeSantis Delivers Remarks At The American Property Casualty Insurance Association Event | Uploaded October 6, 2025 | 13:45-13:50
“30 day average request for homeowners rates was down 1.4%.”
Florida Gov. DeSantis Delivers Remarks At The American Property Casualty Insurance Association Event | Uploaded October 6, 2025 | 14:59-15:06
“Year to date, 214,000 policies have entered the private market.”
Florida Gov. DeSantis Delivers Remarks At The American Property Casualty Insurance Association Event | Uploaded October 6, 2025 | 15:30-15:39
“Citizens Insurance, the number of lawsuits has fallen by nearly 50% since the reforms were enacted in 2022.”
Florida Gov. DeSantis Delivers Remarks At The American Property Casualty Insurance Association Event | Uploaded October 6, 2025 | 16:28-16:39
“Top five insurance company auto insurance groups have had an average 6.5 reduction in rates in, in Florida in 2025.”
Florida Gov. DeSantis Delivers Remarks At The American Property Casualty Insurance Association Event | Uploaded October 6, 2025 | 17:13-17:28
“Auto insurance had been arguably the most inflationary item... I think it had been up like 20%.”
Florida Gov. DeSantis Delivers Remarks At The American Property Casualty Insurance Association Event | Uploaded October 6, 2025 | 17:29-17:42
“We also have a big reduction in the personal auto liability loss ratio. It's the lowest in the Nation now at 53.3% as of the end of 2024.”
Florida Gov. DeSantis Delivers Remarks At The American Property Casualty Insurance Association Event | Uploaded October 6, 2025 | 19:00-19:16
“Their own analysis in the Florida House of Representative that the staff does predicted that the effect of that would cause insurance rates…”
Florida Gov. DeSantis Delivers Remarks At The American Property Casualty Insurance Association Event | Uploaded October 6, 2025 | 20:17-20:31
“The Senate in Florida did not consider any of the stuff with respect to the 22 or 23 reform rollback at all.”
Florida Gov. DeSantis Delivers Remarks At The American Property Casualty Insurance Association Event | Uploaded October 6, 2025 | 21:25-21:33
“We did the My Safe Florida Home program. So we've put money in there, people get grants, they make improvements to their home.”
Florida Gov. DeSantis Delivers Remarks At The American Property Casualty Insurance Association Event | Uploaded October 6, 2025 | 23:44-23:53
“We finally got my safe Florida home funding in June of when they actually did the budget.”
Florida Gov. DeSantis Delivers Remarks At The American Property Casualty Insurance Association Event | Uploaded October 6, 2025 | 24:38-24:45
“We've shown, we're serious about both the judiciary and the statutory legal reforms, which are very, very significant.”
Florida Gov. DeSantis Delivers Remarks At The American Property Casualty Insurance Association Event | Uploaded October 6, 2025 | 26:11-26:19
“We reopened the Sanibel Causeway two weeks later. They thought it was going to take six months.”
Florida Gov. DeSantis Delivers Remarks At The American Property Casualty Insurance Association Event | Uploaded October 6, 2025 | 28:30-28:36
“That's why I think we have the best bounce back of any state with respect to all of this.”
Florida Gov. DeSantis Delivers Remarks At The American Property Casualty Insurance Association Event | Uploaded October 6, 2025 | 28:45-28:50