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Since January of this year, state regulators have approved about 100 rate hike requests involving dozens of property insurers.The insurance regulation office in Florida gave the green light to South Fidelity to raise their rates by about 30%. And regulators okayed a 30% rate hike for Capitol Preferred.Jupiter homeowner Heidi Epstein said her property rates shot up by 50% when her insurer stopped doing business in Florida. Protecting her property will now cost Heidi an additional ,500 a year."In the middle of a pandemic when everyone is not sure what their financials are going to look like, this is not the time to have everything going sky high," she said.The insurance industry blames the 2017-2018 storm season. Hurricanes Irma and Michael caused catastrophic damage and triggered more than billion in claims.Senator Jeff Brandes (R-St. Petersburg) says the storms and rampant lawsuits against insurance carriers are driving the steep hikes in rates."They are filing more and more lawsuits they know some of these insurance companies will settle, and ultimately those costs are passed on to homeowners," he said.Insurance Industry watchdog The Federal Association for Insurance Reform points to thousands of lawsuits filed by contractors. President Paul Handerhan says roofers, plumbers and others solicit homeowners through ads, calls or door knocks and convince them to file an insurance claim. Handerhan described the pitch to homeowners as: "Let us do a free inspection of your roof, let us go inside the property of your home to see if we can find any damages. We will file a claim on your behalf."Brandes says all those claims snowball and lead to premium hikes."You have hundreds if not thousands of people asking for new roofs then all of a sudden rates across the state begin to skyrocket."Pasco County homeowner Linda Cempe got a new roof after contractor Smart Storm Solutions cold-called her about possible storm damage. She said the roofer told her that "other than a minor deductible, the whole cost for the repairs, including the facia and soffits, would be covered."The I-team checked court records and found Smart Storm Solutions filed over 300 lawsuits against insurers, including Linda Cempe's carrier in 2019 alone.Smart Storm Solutions staff attorney Robert MacKinnon says the company will only canvas neighborhoods with known storm damage. He also said the company files cases when insurance companies refuse to pay the full cost of a claim."They are confirmed claims we are arguing over the extent of damages," MacKinnon said.Smart Storm Solutions also sued Larry Kohman's insurance company over his claim after cold calling the homeowner about roof damage.We checked and found court documents showing the Kohmans' insurer settled with Smart Storm Solutions over a year ago. But the contractor never returned to replace the roof."We don't sleep much," Larry said, who explained he and his wife constantly worried about the growing amount of water damage in their home caused by a leaky roof.Smart Storm Solutions' attorney blamed the pandemic for the delay in Kohman's case and apologized, saying the company should have communicated better. After we started asking questions, Smart Storm Solutions replaced the couple's roof.MacKinnon says the lawsuits his company is filing are needed to keep insurers in check and are not part of the rate hike problem.Brandes says insurance rates could double in the next three years over claims and litigation. He says he will propose legislative reform measures that would reduce attorney fees and route some lawsuits into mediation. He's calling on legislative leaders to take action before Florida homeowners face another round of rate hikes that many simply can't afford.Before your next insurance renewal date, shop around for a policy and get multiple quotes. You can also ask to lower your coverage limits and raise your deductible, but it will cost you more if you must make a claim. This article was written by for WFTS. 4028

BILOXI, Miss. – In the lobby of one Mississippi hotel, people aren’t the only ones checking in and out – so are the dogs. “They see that cage. They're like, ‘What is it?’” said the hotel’s director of sales, Teresa Johnston. The gazebo-like kennel is the temporary home for Basil, a 6-month-old terrier mix up for adoption from a local shelter and ready for checkout in the hotel’s lobby. “The guest just gives us their room number and the sweet little puppy goes up,” Johnston said. If the guest wants to adopt them, the dog goes home with them upon checkout. It’s part of a partnership between this Home2 Suites hotel near Biloxi, and the Humane Society of South Mississippi. The idea is Johnston’s brainchild. “It's that simple,” she said. “And they've given us the ability to adopt right from the property.” The hotel hosts one shelter dog at a time; all are already spayed and neutered. It’s an out-of-the box effort to try to bring down overcrowding at the local animal shelter. “We have to go out into our community and get a little bit more involved in ways that people wouldn't really associate an animal shelter with,” said Bianca Janik, with the Humane Society of South Mississippi. “And so that's a big part of why this program is so successful, is because they don't expect to see a shelter dog.” Since the program began late last year, more than 30 dogs have been adopted at the hotel by people who fell for those puppy dog eyes. The hotel is seeing an added benefit, too. “A lot of people stay at this hotel because of this program,” Johnston said. “And a lot of people spread the love.” Puppy love, that is.In addition to the hotel in Biloxi, another hotel in Mississippi has also started a similar dog adoption program. 1751

The Lifetime channel has cast its first LGBTQ+ Christmas romance movie, set in Milwaukee, this winter. The movie will star real-life same-sex married couple Ben Lewis and Blake Lee in the upcoming film “The Christmas Set Up,” which premieres on Lifetime Dec. 12.“The Christmas Set Up” follows Hugo (Lewis), a New York lawyer, and his best friend as Hugo spends the holidays in Milwaukee with his matchmaking mom, Kate.When Kate sets Hugo up with Patrick (Lee), Hugo’s high school friend and secret crush, there is an undeniable, mutual attraction between the two.But when Hugo receives news of a job promotion in London, he must choose what is most important to him.“Diversity and inclusion is a top priority for us,” a Hallmark Channel spokesperson said in a statement, per Good Morning America. “We are committed to creating a Hallmark experience where everyone feels welcome.”Report a typo or error // Submit a news tip This story originally reported by Patricia McKnight on tmj4.com. 1011

A hit and run was reported over the weekend at a Trump rally in Cape Coral, Florida.The victim was transported to the hospital and was complaining of knee pain after claiming they were struck by a black Toyota Tundra. Witnesses reported the vehicle tags and police were able to locate the driver.Truck parade for President Trump in Cape CoralAccording to reports, the Toyota, which was covered in an anti-Trump, pro-Biden vehicle wrap, was stopped at a red light when it was surrounded by people with flags, chanting, "Four more years." When the light changed, the driver, who was seen wearing a blonde wig, small top hat, and a red and black shirt, claims to have been in fear for their safety. Lifting their foot from the brake, the truck advanced forward making contact with the victim who fell to the driver's side of the truck. The driver claims to have seen the person but did not think they were stuck by the vehicle.Reports claim the victim was under the influence of alcohol.Cape Coral Police are investigating. This article was written by Kat Velez for WFTX. 1091

A breakup can be devastating, leaving people in an emotional wreck. However, there’s a unique service that is helping people quickly get back on their feet. “There really is a tremendous loss of personal identity, leaving a shared relationship,” says Onward co-found Lindsay Meck. “You sort of define yourself a part of that couple. You might have a pretty extended shared friend group, even family members.” That's why Meck and Mika Leonard started their company Onward, a post-breakup concierge service. “Necessity is the mother of invention, so my best friend, who is my co-founder, and I both went through our own big city breakups about six months apart,” says Meck. With a breakup comes the daunting task of rearranging your life. "Dealing with address changes, dealing with all the logistics, coupled with the emotions of being sad, but still needing to be a functional member of society,” explains Meck of the help Onward provides. With Onward, you chose from three post-breakup packages to get you back on your feet. For , the 10-day reboot will help you pack up, move out and provides self-care amenities. The 30-day recharge includes helping you find a new place, new furniture, and even help you setup all your new utilities. That will cost you 5. Then, there's the three-month recalibrate for 0. It’s an upgrade that also includes getting you a therapist and provides activities to join to help you meet new people. "You just need someone who can pack your stuff, make those phone calls for you, when you are just really trying to get out of bed every day,” Meck says. Starting over isn't easy, which is why the founders of Onward believe in their service. “Trying to resume by yourself, because you're usually with a partner all the time, so doing things alone would be kind of hard," says Meck. Right now, Onward is only in New York City, but they have big plans to expand their post-breakup service nationwide. There are similar companies, like Untied and Worthy, that also work to help divorcees get back on their feet. "There's no magic formula of getting over a relationship; it takes time,” says Meck. “But in the meantime, you want to be put in the best possible situation to move forward, and that can be really hard." 2272