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Florida lawmakers have sent legislation to the Governor that would allow private insurance companies to lower the cost of flood insurance policies by offering less coverage and deductibles currently not available under the National Flood Insurance Program. Sponsor Larry Ahern of St. Petersburg called it thinking outside the box. “this outside the box thinking, the challenges the status quo that we so often find and we’ve heard a lot about here today that benefits our constituents” says Ahern.

The legislation was opposed by insurance agents who serve in the state House. They fear customers opting for the cheaper policies won’t understand they may not get their homes rebuilt after a loss.