Developer friend of mine just finished a decent sized apartment complex in Tampa Bay area. Solid as a rock, block construction, hurricane proof windows and sliders, whole nine yards. I slept like a baby through Milton in one of the units. The insurance policy is 4x what his last apartment complexes have been.

I've been using the same insurance broker for all my residential rentals for 4-5 years now and I just had to switch insurance brokers. Every carrier my broker reps for has pulled out of FL. My insurance policy is going to be $32,000 for 23 houses. If I want coverage for wind damage, ya know from like a hurricane...the quote was an extra $128,000. Over $500/month. Average rent is $1,800. Nucking futs.

And yeah, Citizens is a joke. I've been reading articles stating Citizens has been denying most of the claims from the past couple of hurricanes, Helene and Milton.

It's gonna be a ---- show on the west Florida coast for sure. Police are escorting massive dump trucks/trailers around the beaches trying to haul away as much as possible. They were out late last night, probably working overnight shifts. I have two more houses to board for a friend before hunkering down to wait it out. And I was suppose to close on a Tampa portfolio of houses this Thursday, which is now postponed. Fun times.

#20 Corky

That surge is no joke. Just finished moving my friend out of a waterfront condo in St Pete. She only had 5" inside the place last week, but this surge might fill up the condo this time around. Here's to hoping as models are updated it keeps tracking further south. (Sorry Fort Myers and Sarasota neighbors, it's you or us and I am selfishly hoping it's not Tampa ... so. You. Yeah I'm hoping you get the direct hit.)