Last week Florida insurance regulators triumphantly announced a barrage of fines, totaling $2.1 million, against eight property-insurance carriers for violating multiple consumer-protection laws and their own policy language in the wake of Hurricanes Ian and Idalia.

The list of sins (which the companies have tacitly acknowledged by agreeing to “consent orders” that include the fines) will be familiar to many Florida property owners who have filed claims in the last decade or so: Failing to approve or deny claims within the 90 days allowed by law, using unauthorized adjusters to estimate damages and failing to provide customers with proper disclosure of their rights and the factors that went into claims decisions.

It certainly looks impressive, particularly when backed by Insurance Co

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