Why Home Insurance in Florida Is a Mess
Florida has been struck by two big hurricanes this year, setting off a wave of damage and, of course, new insurance claims. As we all know by now, insurance rates in places like Florida, Louisiana, and California have jumped in recent years thanks to a combination of more natural disasters, higher replacement costs, and other factors. But Florida has become a particularly expensive market, with roofing scams supposedly pushing up rates for everyone, and a string of private insurers exiting the market. So what's the future of this messy market? We speak with Jerry Theodorou, policy director of finance, insurance and trade at R Street Institute, a free market think tank. He's also a veteran of the insurance industry and, in this episode, he walks us through what's been going on in Florida's insurance market and argues that there are some signs that things are getting better.
Read More:
Why Insurance Rates Have Been Surging in California and Florida
Florida Home Insurers With Lax Ratings Pose New Property Risk
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ROUND TABLE - What Section 230 Actually Does
Are Facebook and Twitter protected by a shield that stops them from being responsible for any of their content? We bring on Mike Masnick from TechDirt and Shoshana Weissman from the R Street Institute to talk about what Section 230 is, what it isn’t, and whether it needs to be changed.
SHOW NOTES:
Shoshana Weissmann, Senior Manager of Digital Media and a policy Fellow at the R Street Institute.
https://senatorshoshana.medium.com/who-am-i-ff164b02707e
Mike Masnick, founder and CEO of the Copia Institute and editor of the Techdirt blog.
https://www.techdirt.com/user/mmasnick
Our discussion isn't a substitute for, nor does it constitute, legal advice. The goal of this discussion is to explore some of the legal issues surrounding CDA 230.
The central text of Section 230
https://www.law.cornell.edu/uscode/text/47/230
(1) Treatment of publisher or speaker
No provider or user of an interactive computer service shall be treated as the publisher or speaker of any information provided by another information content provider.
There is also a section right after that on Civil Liability that offers further protections for taking certain moderation actions.
-- What is Section 230 designed to do?
-- What are some of the major misconceptions about Section 230?
-- If section 230 were repealed with no replacement, what do you think the effect would be?
-- Do you believe Congress should replace 230? If so, with what? If not, why?
Mike:
-Fix a typo
-Reverse FOSTA
-Remove intellectual exemption property
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