Florida insurers recently dropped 54,000 paying customers citing "enormous losses" as the reason. This is thrusting Citizens Insurance as the first choice insurance company for many Floridians, which is not ideal for the state and certainly not the intent behind the creation of Citizens. Unfortunately, the Florida legislature and Governor have screwed up the Florida insurance markets over many years through bad policy. The policy makers have allowed the insurance industry to craft the laws and regulations and it has led to a complete collapse in the market. Allowing insurers to dictate law and policy is nonsensical because their only motivation is profit. Allowing insurers to control policy is anti-free market and seems to have led to the introduction of a number of insurers that don't have the financial staying power to be in this market. Yet they still operate and now seem to cherry pick clients and still walk away with hundreds of millions if not billions of dollars. Things won't get any better in the foreseeable future with the change in weather, more extreme hurricane seasons, etc. This is also having an impact on rental markets as landlords will pass the increased cost of insurance off to renters who will continue to struggle finding affordable housing. It is time to question our approach to insurance at its most fundamental level. We should ask ourselves if insurance works in a free market system without government help. I think the answer is obvious.