What does Rousseau’s proposal include?
The centerpiece is the proposed Florida Catastrophic Hurricane and Wind Protection Program, designed to act as a standalone hurricane and wind policy rather than a multiperil homeowner replacement. Homeowners will likely still need separate coverage for fire, theft and other non-disaster perils. The campaign says the model could reduce premiums for many homeowners by up to 50%, with the agreed figure subject to actuarial verification. Russo’s platform also includes the Florida Homeowners Bill of Rights, public actuarial studies, financial reporting and a statewide reform dashboard, expanded transparency through mitigation grants and home-hardening incentives, and a constitutional amendment to restore an elected insurance commissioner – a position the governor has appointed since 2002. Russo said property insurance reform will be his first 100-day priority if elected.
