Florida’s insurance market is unlike any other—and longtime Pensacola insurance expert Eddie Zarahn explains why.

With over 50 years in the insurance industry, Eddie breaks down what’s really happening behind rising premiums, disappearing carriers, roof age restrictions, and the growing gap between market value vs. replacement cost.

In this in-depth conversation, we cover:

Why Florida insurance is a “different animal”

The real reason older roofs are being denied coverage

Replacement cost vs. market value (and why most homeowners misunderstand it)

Actual Cash Value vs. Replacement Cost policies

Common homeowner and business insurance mistakes

Why underinsurance is more dangerous than no insurance

How hurricanes, lawsuits, and maintenance issues impact coverage

Business insurance gaps that can financially crush small businesses

The role of independent agencies vs. captive insurance companies

Eddie also shares insights from decades of experience serving Pensacola and the Florida Panhandle, helping homeowners, contractors, churches, condos, and business owners navigate an increasingly complex insurance landscape.

If you live in Florida—or own property or a business—this is a conversation you need to hear.

👉 Subscribe for more real-world conversations on insurance, business, weather risks, and policy impacts. 

➡️ Join the Conversation: https://GeneValentino.com
➡️ WMXI Facebook Page: https://www.facebook.com/NewsRadio981
➡️ More WMXI Interviews: https://genevalentino.com/wmxi-interviews/
➡️ More GrassRoots TruthCast Episodes: https://genevalentino.com/grassroots-truthcast-with-gene-valentino/
➡️ More Broadcasts with Gene as the Guest: https://genevalentino.com/america-beyond-the-noise/
➡️ More About Gene Valentino: https://genevalentino.com/about-gene-valentino/