
Common Denominator with Moshe Popack
Why Florida Insurance Is So Expensive And What’s Changing
Florida insurance has become one of the biggest conversations for property owners, homeowners, developers, and investors and understanding why prices move requires looking deeper than the premium on your policy. In this episode, I sit down with Brian and Paul Remer of Remer Insurance to talk about what’s happening inside Florida’s insurance market, from recent property insurance pricing changes to the role of carriers, brokers, and reinsurance companies. We talk about how the insurance supply chain actually works, why reinsurance can have such a significant impact on pricing, how hurricane risk affects the market, and why different types of coverage can move in completely different directions. We also explore emerging insurance risks around industries like cannabis and data centers, where a single failure can create enormous downstream liability. Beyond insurance, Brian and Paul share what they’ve learned working together as brothers in a family business approaching 50 years, including the values their father instilled in them about relationships, quality control, and never believing a job is beneath you. If you own real estate, operate a business, or simply want to better understand where your insurance premium actually goes, this conversation provides a look inside an industry most people only think about when something goes wrong. Timestamps 00:00 Working With Your Brother 02:24 Joining the Family Business 03:21 Building a Business Across Generations 05:39 Different Skills, One Family Business 06:59 Why Relationships Matter in Insurance 08:43 What’s Happening With Florida Insurance? 09:14 Why Insurance Prices Are Changing 11:11 How the Insurance Supply Chain Works 13:12 Florida’s Insurance Backstop 14:24 Are Florida Property Insurance Prices Coming Down? 16:10 How Reinsurance Affects Pricing 17:15 Insuring the Cannabis Industry 18:31 The Insurance Risk Behind Data Centers 20:10 The Most Unique Risks They Insure 21:17 The Hardest Moment in Their Family Business 22:00 Lessons From Their Father 22:05 How to Connect With Remer Insurance Like this episode? Leave a review here https://ratethispodcast.com/commondenominator Newsletter https://moshepopack.com/newsletter/ Follow Common Denominator Podcast https://moshepopack.com/podcast/@mpopack https://www.instagram.com/mpopack https://www.facebook.com/MoshePopack #FloridaInsurance #PropertyInsurance #FloridaRealEstate






