Insurance Shock Waves: How Florida & California Premium Spikes Impact DSCR Underwriting
When wind, fire, and re-insurer exits collide, property-insurance costs can jump 30–60 percent overnight—slashing DSCRs and reshaping loan terms. Here’s what investors and brokers must know in 2025. 1 | Why Premiums Are Exploding in FL & CA Driver Florida California Catastrophe Losses Seven named storms hit in 2023–24; record $60 B insured losses. 2024 … Insurance Shock Waves: How Florida & California Premium Spikes Impact DSCR Underwriting