FAIR - Florida Association for Insurance Reform
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By uniting with others, your membership makes your voice louder.

Jay Neal Membership is open to all Floridians impacted by Florida insurance public policy-from insurance company CEOs to consumer activists. Free memberships are available to consumers, policy holders, and associations. Industry stakeholders are encouraged to become paid members. Paid membership and contributions support FAIR's educational efforts and also provide limited membership benefits such as our industry locator service. For more information about membership in FAIR please visit our Join page, or email

FAIR is a non-partisan, non-profit educational organization that works to educate Florida consumers and insurance industry stake-holders about the effects of insurance public policy. Unlike other organizations that represent specific constituencies, FAIR works with all constituencies to facilitate ongoing dialogue and transparent communications. FAIR believes that there is a solution to every insurance problem that both promotes a robust insurance market and also protects consumers and policy holders.

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Proposed Statutory Changes to the Florida Hurricane Cat Fund with Appendices - 9.5 MB


Senator Mike Fasano and FAIR President at FAIR Press Conference

Jay Neal: Shifting $$$ from CAT Fund bad business

Posted on Tuesday March 25, 2014

March 23, 2014, re-published from the Sun Sentinel http://tinyurl.com/lpollpj No doubt about it: The proposed transfer of $1.5 billion in risk from the Florida Hurricane Catastrophe Fund to the private, global reinsurance market is bad business for Floridians. Property owners will be hit by higher premiums. Consumers across the state will face increased risk of

Jay Neal talking about Property Insurance in Florida

Posted on Tuesday February 25, 2014

A short video from The Sunshine State News on YouTube.

Legislative Breakfast with FAIR Members

Posted on Monday February 24, 2014

FAIR members attend a legislative breakfast with, Senator Brandes, Representative Rodrigues, realtors, and others to prepare for a day of legislative meetings to lobby for the FAIR plan:  flood, FIGA, and Florida Hurricane Cat Fund reforms to strengthen our competitive private property insurance market, reduce property insurance premiums to homeowners and businesses, and lower the

State’s approach to windstorm insurance hurts consumers

Posted on Tuesday March 05, 2013

BY FRANK ARTILES www.frankartiles.com This year the Legislature is considering proposals that, if passed, would give massive subsidies to the private reinsurance industry, paid for by significantly higher rates for policy holders. These unregulated, largely offshore reinsurers operate with no rate controls or consumer oversight. In stable markets, reinsurance is insurance for insurance companies, policies