Florida insurance news, Nov. 6, 2026: king tides begin today, Citizens choice deadline has passed, a Broward insurance-fraud arrest, and St. Johns flood warnings continue
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Four updates for South Florida drivers, homeowners and small-business owners on Friday. Each item is summarized in our own words, with a link to the original source.
1.Update: King tides begin today (Nov. 6–9); coastal flood statement remains through Friday evening
NWS Miami’s 4:01 a.m. Friday Coastal Hazard Message keeps a Coastal Flood Statement for coastal Miami-Dade, Broward and Palm Beach through this evening, with isolated minor coastal flooding possible around high tide and some water on low-lying roads and property. The 5:32 a.m. Area Forecast Discussion’s key message is minor coastal flooding during high tide, while the short-term outlook stays dry into the weekend after earlier flooding. Miami-Dade’s published king-tide calendar lists Nov. 6–9 (then Nov. 23–26), ahead of the Nov. 9 new moon. NOAA tide predictions for Virginia Key show Friday highs around 6:26 a.m. and 6:38 p.m. ET. County guidance: move vehicles to higher ground before peaks, do not drive flooded roads, and rinse after salt water.
Why it matters for you: Salt-water damage to a car 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. Our king-tides flood guide covers the South Florida windows.
Source: National Weather Service Miami,
Source: National Weather Service Miami,
Source: Miami-Dade County,
Source: NOAA Tides and Currents,
2.Update: Citizens’ Nov. 5 choice deadline has passed; Nov. 17 assumption still on the calendar
Citizens’ 2026 Personal Lines Depopulation Calendar listed Thursday, Nov. 5 as the policyholder choice deadline for the Nov. 17 assumption round—so that registration window is now closed. If no choice was registered, Citizens assigns the policy to a selecting takeout company—or to the company with the lowest estimated premium when more than one selected it. Policyholders who were eligible and asked to remain with Citizens receive a Remain with Citizens confirmation. Citizens states that once an assumption occurs, the transfer is final—there is no longer a 30-day window to return. The next calendar round has a Dec. 4 choice deadline for a Dec. 15 assumption.
Why it matters for you: If you still have an offer letter, compare limits, deductibles and exclusions—not only the estimated premium—and confirm with your agent what status letter Citizens will send before Nov. 17. We can walk through an offer using our Citizens local-agent guide and, in English, the take-out offer checklist.
3.New: DFS announces Broward County arrest after alleged insurance claims built on altered medical records and a crash report
On Nov. 5, Chief Financial Officer Blaise Ingoglia announced that the Department of Financial Services Criminal Investigations Division obtained a warrant for Jazmine Nicole Rhodes, who was taken into custody at the Broward County Main Jail on Oct. 21. Investigators say she filed four fraudulent healthcare claims for her son and claims for three unrelated children without their parents’ knowledge, receiving $18,520 she was not entitled to, and separately tried to obtain $11,700 in medical reimbursement for an alleged traffic crash by altering a Florida Highway Patrol crash report and her own medical records to claim a broken leg. DFS says she confessed during a sworn statement. Charges include criminal use of personal identification information, grand theft and insurance fraud; they are allegations until proven in court. The Broward County State Attorney’s Office is prosecuting. DFS asks anyone with fraud tips to call 1-800-378-0445 or report at FraudFreeFlorida.com.
Why it matters for you: Keep your own crash reports and medical bills unaltered, and treat requests to “fix” an official report as a red flag. Suspected insurance fraud can be reported to DFS at 1-800-378-0445. If you are documenting a real auto claim, start with dated photos and our claim checklist.
4.Update: St. Johns River flood warnings continue Friday in Fall Flooding emergency counties
NWS Melbourne’s Friday-morning Flood Warnings keep moderate flooding on the St. Johns River near Astor (Lake/Volusia) into early next week as upstream rainwater works north, with additional warnings covering other St. Johns gauges in Seminole, Lake, Volusia and Brevard. That matches the forecast cited in Executive Order 26-228 (Nov. 4), which expanded the 2026 Fall Flooding emergency to 14 counties—including Palm Beach, Martin, St. Lucie, Seminole, Lake and Volusia—and noted St. Johns flooding that could last several weeks. Miami-Dade and Broward remain off the EO county list. Avoid flooded roads and riverbanks; document damage from a safe place before cleanup.
Why it matters for you: River and street flooding are usually separate from a standard homeowners wind policy—confirm whether you have a flood policy. If water ruined plates or licenses in an EO county (including Palm Beach), ask FLHSMV about the waived duplicate fees covered in yesterday’s edition, and use our claim checklist.
Source: National Weather Service Melbourne,
This week
OIR’s simplified Hurricane Isaias Catastrophe Reporting Form deadline is today (Friday, Nov. 6) at noon ET—the Nov. 3 notice sets the filing deadline only and does not yet post new aggregate claim totals. National Hurricane Center 7 a.m. Friday outlook: a gale-force non-tropical low several hundred miles south of Bermuda (AL94) may briefly acquire subtropical characteristics while moving generally east (20% in 48 hours; 20% over seven days) before being absorbed this weekend—no Florida watches or warnings. Public comments on the NCCI 2027 workers’ compensation rate filing (overall average −7.4% voluntary market, effective Jan. 1, 2027) remain open at ratehearings@floir.gov through Monday, Nov. 10 at 5 p.m. ET. 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.