Florida insurance news, Nov. 4, 2026: Amendment 3 homestead measure passes, insurers file another Isaias claims report Friday, and king tides begin Nov. 6–9
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Four updates for South Florida drivers, homeowners and small-business owners on Wednesday after Election Day. Each item is summarized in our own words, with a link to the original source.
1.Update: Unofficial results show Amendment 3 passed; Amendments 1 and 2 fell short of 60%
Florida Election Watch (Division of Elections) election-night returns show Amendment 3 — increased homestead exemption and a lower annual cap on non-homestead assessment increases — with Yes 4,917,482 (61.99%) and No 3,015,840 (38.01%), clearing the 60% threshold required for a constitutional amendment. Amendment 1 (Budget Stabilization Fund) shows Yes 40.9% / No 59.1%. Amendment 2 shows Yes 58.22% / No 41.78%. Provisional and overseas ballots can still be counted, so these are unofficial returns, but both failed measures sit well below 60%. As summarized ahead of the vote, Amendment 3 phases a larger non-school homestead exemption ($150,000 in 2027, $250,000 in 2028, then inflation indexing) and lowers the non-homestead assessment-increase cap from 10% to 5% (school taxes treated separately).
Why it matters for you: Property-tax changes can affect escrow and what you budget for housing costs, but your dwelling limit should still track rebuild cost—not assessed value. Ask us to review your homeowners coverage if your declarations look outdated.
Source: Florida Division of Elections — Florida Election Watch,
2.Update: OIR sets Friday, Nov. 6 at noon ET as the next simplified Hurricane Isaias catastrophe-reporting deadline
On Nov. 3 the Florida Office of Insurance Regulation issued another Notice to Industry requiring authorized property insurers to file a simplified 2026 Catastrophe Reporting Form (CRF) for Hurricane Isaias through the Insurance Regulation Filing System. Data is due by 12 p.m. ET Friday, Nov. 6, 2026. Reporting is cumulative as of the filing date; companies with no Florida policies or no claims still file “No Data” once, then must switch to data filings if claims arrive. The CRF is how the Office gathers county and statewide claim counts and related figures after a catastrophe so regulators—and later the public summary reports OIR may publish—can track market impact. This notice sets the filing deadline only; it does not publish new claim totals.
Why it matters for you: If you still have an open Isaias claim, keep adjusting notes, photos and correspondence dated. Aggregate CRF numbers, when OIR posts them, are industry statistics—not your individual settlement. Use our hurricane claim checklist while you wait.
3.Update: Coastal Flood Advisory ends; minor coastal flooding statement through Wednesday evening as king tides Nov. 6–9 approach
NWS Miami’s 3:23 a.m. Wednesday Coastal Hazard Message keeps a Coastal Flood Statement (isolated minor coastal flooding near high tide) for coastal Miami-Dade, Broward and Palm Beach through Wednesday evening—a step down from the Coastal Flood Advisory that ran through Tuesday evening. A high rip current risk continues through Wednesday evening for Palm Beach and until 10 a.m. Wednesday for Miami-Dade/Broward. The 6:30 a.m. Area Forecast Discussion still flags localized flooding risk where recent heavy rain soaked soils (highest chances this morning along the Atlantic coast) and minor coastal flooding at high tide, with drier air and weaker winds expected later Wednesday into the weekend. Miami-Dade’s published king-tide calendar lists the next window as Nov. 6–9 (then Nov. 23–26), ahead of the Nov. 9 new moon.
Why it matters for you: Move cars off low streets before peak tides, and do not drive flooded roads—salt water damage is usually a comprehensive claim (comprehensive vs. collision). Rising water into a building is generally a separate flood policy; NFIP coverage usually has a 30-day wait.
Source: National Weather Service Miami,
Source: National Weather Service Miami,
Source: Miami-Dade County,
4.Update: Tomorrow (Thursday, Nov. 5) is the choice deadline for Citizens’ Nov. 17 takeout round
Citizens’ 2026 Personal Lines Depopulation Calendar still lists Thursday, Nov. 5 as the policyholder choice deadline for the Nov. 17 assumption round. If no choice is registered by the deadline, Citizens assigns the policy to a selecting takeout company (or to the company with the lowest estimated premium when more than one selected it). The next calendar round after that has a Dec. 4 choice deadline for a Dec. 15 assumption.
Why it matters for you: Compare limits, deductibles and exclusions—not only the estimated premium—before you accept or stay. We can walk through an offer using our Citizens local-agent guide and, in English, the take-out offer checklist.
This week
The National Hurricane Center’s 7 a.m. Wednesday outlook: a broad low is forming a few hundred miles south of Bermuda along a remnant front, with a low chance of subtropical development in 48 hours (30%) and a medium chance over seven days (50%) while it moves slowly east over the western and central subtropical Atlantic—no Florida watches or warnings. 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.