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The Impact of Climate Change on Property Insurance Claims in Florida

Climate change is a global concern that affects various aspects of our lives. One area that’s increasingly feeling the impact is property insurance, particularly in regions prone to natural disasters like Florida. In this blog post, we’ll explore how climate change is influencing property insurance claims in Florida and how LMR Public Adjusters, South Florida’s premier public adjusters, can help property owners navigate this evolving landscape.

The Climate Change Phenomenon

Climate change refers to long-term shifts in temperatures and weather patterns. The planet is warming up, and this change is primarily attributed to human activities, particularly the burning of fossil fuels like coal, oil, and gas. But how does this global issue affect property insurance claims in Florida?

The Impact of Climate Change on Florida’s Weather

Florida’s geographical location makes it susceptible to extreme weather conditions, which are exacerbated by climate change. The state has seen an increase in the frequency and intensity of hurricanes, floods, and wildfires, leading to extensive property damage. This trend is causing a surge in insurance claims, putting pressure on both property owners and insurance companies.

Rising Property Insurance Claims

As the frequency and severity of natural disasters increase, so do property insurance claims. Homeowners are finding themselves filing claims more often than before, leading to higher premiums and, in some cases, difficulty securing coverage. This situation is particularly prevalent in Florida, where properties are at a higher risk of damage from climate change-induced events.

How LMR Public Adjusters Can Help

Navigating the complex world of property insurance claims can be challenging, especially in the face of climate change. That’s where LMR Public Adjusters come in. As South Florida’s premier public adjusters, we advocate for property owners, helping them maximize their insurance claims with our personalized, dedicated team. Whether it’s wind damage, water damage, or any other type of property damage, we’re here to help.


Climate change is a reality we can’t ignore, especially when it comes to property insurance claims in Florida. As the situation continues to evolve, property owners need to stay informed and prepared. With the help of experienced public adjusters like LMR, navigating these changes can be a little less daunting.


How does climate change affect property insurance claims?

Climate change leads to more frequent and severe weather events, resulting in more property damage and, consequently, more insurance claims.

What types of property damage are common in Florida due to climate change?

Florida is particularly prone to hurricanes, floods, and wildfires, all of which can cause extensive property damage.

How can LMR Public Adjusters help property owners?

LMR Public Adjusters help property owners maximize their insurance claims by providing personalized assistance and advocating on their behalf.

Are insurance premiums likely to increase due to climate change?

Yes, as the risk of property damage increases due to climate change, insurance companies may raise premiums to cover potential losses.

Can I still get property insurance in Florida despite the impact of climate change?

Yes, but it may be more challenging to secure coverage, and premiums may be higher due to the increased risk.

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