Florida insurance news, Nov. 2, 2026: the Flood Watch is extended through Monday evening after Sunday’s flash flooding, Tuesday’s ballot includes a homestead property tax amendment, and open enrollment for 2027 health coverage has begun
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Three updates for South Florida homeowners, drivers and small-business owners on the Monday before Election Day. Each item is summarized in our own words, with a link to the original source.
1.Update: After flash flooding on Sunday, the Flood Watch now covers all of South Florida through Monday evening, and the coastal flood advisory runs to Tuesday
Heavy rain bands caused localized flash flooding on Sunday: a Flash Flood Warning covered parts of Miami-Dade in the early afternoon, and on Sunday evening an emergency manager reported water entering homes near Northlake Boulevard and Florida’s Turnpike in Palm Beach Gardens. The National Weather Service in Miami extended the Flood Watch through Monday evening and expanded it to all of South Florida, including Florida City, Homestead, Kendall and the Redland; most places could get 1 to 3 inches on Monday, with 3 to 5 inches in scattered spots and isolated totals of 6 to 9 inches within two to four hours. More rain is expected Tuesday, mainly along the east coast, and a Coastal Flood Advisory for minor to moderate tidal flooding on the Miami-Dade, Broward and Palm Beach coast now runs until 7 p.m. Tuesday, with a high rip current risk through Tuesday evening. Forecasters expect less rain from midweek, but tides will climb again ahead of the Nov. 9 new moon.
Why it matters for you: Turn around at flooded roads: water damage to a car is a comprehensive claim, not collision (comprehensive vs. collision). If water gets into your home or business, take dated photos before you clean up and see our claim checklist; rising water is usually covered only by a separate flood policy, which generally takes 30 days to start.
Source: National Weather Service Miami,
Source: National Weather Service Miami,
Source: National Weather Service Miami,
Source: National Weather Service Miami,
Source: NBC 6 South Florida,
2.Update: Polls are open 7 a.m. to 7 p.m. Tuesday, and three proposed amendments are on the ballot, including Amendment 3 on homestead property taxes
Florida votes on Tuesday, Nov. 3, and in Miami-Dade polls are open 7 a.m. to 7 p.m.; anyone in line by 7 p.m. can vote, but Election Day voters must use their assigned precinct. The Supervisor of Elections temporarily moved 12 polling places, including precincts 825 and 836 in South Dade, which move from the South Dade Regional Library to the South Dade Government Center at 10710 SW 211 St. Each of the three statewide amendments needs 60% to pass. Amendment 3 would raise the homestead exemption from non-school property taxes to $150,000 in 2027 and $250,000 in 2028, then adjust it for inflation, and would lower the yearly assessment cap on non-homestead property from 10% to 5%; Amendment 2 would exempt equipment and other tangible personal property on land used for agriculture or agritourism from property taxes, and Amendment 1 would raise the cap on the state’s rainy-day fund.
Why it matters for you: Property taxes are not part of your insurance premium, but for many homeowners both are paid through the same mortgage escrow account, so the result can change your monthly payment at the next escrow review. Whatever happens with exemptions, your dwelling coverage should reflect what it would cost to rebuild your home, not its assessed or taxable value; we can review your home policy with you.
Source: Miami-Dade Supervisor of Elections,
Source: NBC 6 South Florida,
3.Open enrollment for 2027 health coverage on HealthCare.gov began Nov. 1 and runs to Dec. 15 for a Jan. 1 start
The marketplace open enrollment period for 2027 started on Nov. 1: enroll or change plans by Dec. 15 for coverage that starts Jan. 1, or between Dec. 16 and Jan. 15 for coverage that starts Feb. 1. According to the Florida Phoenix, citing data from the state Office of Insurance Regulation, 12 companies offer marketplace plans in Florida for 2027, and the average monthly premium is rising 10.4% before tax credits. About 3.85 million Floridians had marketplace coverage in effect in 2026, down from 4.3 million in 2025, after enhanced federal premium tax credits ended. Trained navigators can help people compare plans and check whether they qualify for a tax credit.
Why it matters for you: If you are self-employed, a 1099 worker or a small-business owner buying your own coverage, compare deductibles and doctor networks, not only the monthly premium, and confirm whether a plan sold outside the marketplace meets ACA rules. Health coverage also matters for drivers: Florida’s required PIP pays only up to $10,000 for injuries in a car crash (Florida minimum car insurance).
Source: HealthCare.gov,
Source: Florida Phoenix,
This week
Citizens policyholders who received offers for the Nov. 17 takeout round have until Thursday, Nov. 5 to register their choice; if no choice is registered, Citizens assigns the policy to one of the companies that selected it. The National Hurricane Center says an area of low pressure could form northeast of the Bahamas in a couple of days and may gain subtropical features late this week as it moves away to the east-northeast, with a 20% chance of formation over seven days (7 a.m. Monday outlook). The National Flood Insurance Program remains authorized only through 11:59 p.m. on Dec. 11, 2026.
This roundup is general information, not legal advice or policy language. Each item is our own short summary of the linked original report; details can change after publication, so check the source for the full story. Coverage depends on the terms, limits and exclusions of your policy. Talk with a licensed agent about your situation.