4) Restore our insurance market back to pricing risk, reflected in policy premiums.

The likely best two solutions are: allow radical competition between ALL legitimate and financially strong insurance carriers. Encourage a wide menu of deductibles, so that if customers wish, they can participate in risk in return for lower premiums.

2) For homes that are not candidates for fortification initiatives, and cannot buy affordable insurance, homeowners could be incentivized, one time, to buy a new, hurricane-proof home by providing them with an additional homestead exemption amount on their new home equal to the sale price of their existing home.

This plan keeps private insurers handling day-to-day administration and negotiation, uses loans instead of grants to reduce moral hazard, only applies full government control for the most extreme cases, and leaves the insurance market healthy, competing, and functioning with the most competitive premiums, exactly like it should function.

Slash and eventually eliminate property taxes for vested Florida homeowners and renters. For each year beyond a year-ten residency vesting period requirement, Florida homeowners would be entitled to a cumulative 10%-point increase of their existing homestead exemption, until their adjusted exemption reaches 100%. Renters in Florida, who meet a ten-year residency vesting period requirement and who go on to purchase a Florida home, would also enjoy the same cumulative 10%-point increase of their new home's homestead exemption, until their adjusted exemption reaches 100%. Additionally, the adjusted homestead exemption shall be transferable to the homeowner's wife or children.

Eliminate property taxes on homesteaded primary residences. Benefit passes down to children. Completely rewrite broken property and auto insurance laws. Dismiss non-criminal traffic tickets for drivers with clean 10-year records. Eliminate unfair paid highway express lanes. Eliminate unfair tolls on public roads. Eliminate Florida’s unfair gas tax. Eliminate permit fees to repair and improve your home. Force local government to provide water and sewer at cost. Slash bloated government, wherever it is, that we don’t need – or want. Rewrite the unaffordable, broken healthcare laws. Put doctors, not government and insurance companies, in charge. Make ‘Right to Try’ laws absolute.

Slash and eventually eliminate property taxes for vested Florida homeowners and renters. For each year beyond a year-ten residency vesting period requirement, Florida homeowners would be entitled to a cumulative 10%-point increase of their existing homestead exemption, until their adjusted exemption reaches 100%. Renters in Florida, who meet a ten-year residency vesting period requirement and who go on to purchase a Florida home, would also enjoy the same cumulative 10%-point increase of their new home's homestead exemption, until their adjusted exemption reaches 100%. Additionally, the adjusted homestead exemption shall be transferable to the homeowner's wife or children.

2) For homes that are not candidates for fortification initiatives, and cannot buy affordable insurance, homeowners could be incentivized, one time, to buy a new, hurricane-proof home by providing them with an additional homestead exemption amount on their new home equal to the sale price of their existing home.

Stop building new housing until we can absorb the number of residents we currently have and start taking care of the Floridians who are already here and who deserve the quality of life they were promised and expect.

Slash and eventually eliminate property taxes for vested Florida homeowners and renters. For each year beyond a year-ten residency vesting period requirement, Florida homeowners would be entitled to a cumulative 10%-point increase of their existing homestead exemption, until their adjusted exemption reaches 100%. Renters in Florida, who meet a ten-year residency vesting period requirement and who go on to purchase a Florida home, would also enjoy the same cumulative 10%-point increase of their new home's homestead exemption, until their adjusted exemption reaches 100%. Additionally, the adjusted homestead exemption shall be transferable to the homeowner's wife or children.

Eliminate property taxes on homesteaded primary residences. Benefit passes down to children. Completely rewrite broken property and auto insurance laws. Dismiss non-criminal traffic tickets for drivers with clean 10-year records. Eliminate unfair paid highway express lanes. Eliminate unfair tolls on public roads. Eliminate Florida’s unfair gas tax. Eliminate permit fees to repair and improve your home. Force local government to provide water and sewer at cost. Slash bloated government, wherever it is, that we don’t need – or want. Rewrite the unaffordable, broken healthcare laws. Put doctors, not government and insurance companies, in charge. Make ‘Right to Try’ laws absolute.

Make Florida's current residents, and not new arrivals, a priority in all decisions. Stop the current radical new construction boom which is turning our roads into parking lots. Choose renovation over new construction to first fix what we have, contain overgrowth and preserve the quality of life that is slowly slipping away from each Floridian due to the "Manhattanization" of our beautiful villages, towns, cities, and eventually given enough time, our entire State.

Repeal the Live Local Act sham, and all others like it, put in place mostly to line the pockets of developers – who then gladly line the pockets of politicians. Stop the “Manhattanization” and continued “over-densification” of Florida’s charming and historic communities. Crush traffic and population gridlock by favoring smart renovation over unchecked new construction, and by favoring current residents over those who wish to move to Florida.

Give our first responders every tool they need to be the best in the business. Pay them, and all our public workers a fair, competitive wage. Honor (unsustainable) defined benefit pension promises to existing employees. Offer all new employees a menu of generous defined contribution plans which provide each employee with the ability to be vested immediately, to receive a generous match from government for each dollar they contribute, to take the plan with them if they leave their current job, and to have access to all of their funds decades before they otherwise would with existing plans.

Real education for our kids, not factory-style, educational warehousing. Retain only great teachers — good enough is not good enough for our kids. Demand clean water and air. Transform Florida's slums, ghettos, and war zone neighborhoods by enacting my proposed "Oasis Act”. Employ economic development and tourism programs that benefit Floridians most — not developers, special interests, new Florida arrivals, or tourists. Data centers only permitted after a referendum vote and approval by the citizens of the targeted county and city.

5) For healthy individuals with no pre-existing conditions - rebuild a genuine insurance market.

Eliminate property taxes on homesteaded primary residences. Benefit passes down to children. Completely rewrite broken property and auto insurance laws. Dismiss non-criminal traffic tickets for drivers with clean 10-year records. Eliminate unfair paid highway express lanes. Eliminate unfair tolls on public roads. Eliminate Florida’s unfair gas tax. Eliminate permit fees to repair and improve your home. Force local government to provide water and sewer at cost. Slash bloated government, wherever it is, that we don’t need – or want. Rewrite the unaffordable, broken healthcare laws. Put doctors, not government and insurance companies, in charge. Make ‘Right to Try’ laws absolute.

1) Restore real incentives for doctors—driven out of private practice by crushing costs, litigation, insurance companies, and red tape—to reopen small offices, treat patients directly, and bill as they see fit.

Eliminate property taxes on homesteaded primary residences. Benefit passes down to children. Completely rewrite broken property and auto insurance laws. Dismiss non-criminal traffic tickets for drivers with clean 10-year records. Eliminate unfair paid highway express lanes. Eliminate unfair tolls on public roads. Eliminate Florida’s unfair gas tax. Eliminate permit fees to repair and improve your home. Force local government to provide water and sewer at cost. Slash bloated government, wherever it is, that we don’t need – or want. Rewrite the unaffordable, broken healthcare laws. Put doctors, not government and insurance companies, in charge. Make ‘Right to Try’ laws absolute.

Real education for our kids, not factory-style, educational warehousing. Retain only great teachers — good enough is not good enough for our kids. Demand clean water and air. Transform Florida's slums, ghettos, and war zone neighborhoods by enacting my proposed "Oasis Act”. Employ economic development and tourism programs that benefit Floridians most — not developers, special interests, new Florida arrivals, or tourists. Data centers only permitted after a referendum vote and approval by the citizens of the targeted county and city.

Affirm and codify “My Body, My Choice.” Free Florida medical research from bureaucratic and litigious strangulation.

3) Rewrite the unaffordable, broken healthcare laws. Put doctors, not government and insurance companies, in charge. Make ‘Right to Try’ laws absolute. Affirm and codify “My Body, My Choice.” Free Florida medical research from bureaucratic and litigious strangulation.

Real education for our kids, not factory-style, educational warehousing. Retain only great teachers — good enough is not good enough for our kids. Demand clean water and air. Transform Florida's slums, ghettos, and war zone neighborhoods by enacting my proposed "Oasis Act”. Employ economic development and tourism programs that benefit Floridians most — not developers, special interests, new Florida arrivals, or tourists. Data centers only permitted after a referendum vote and approval by the citizens of the targeted county and city.

2) Reduce school spending by at least 5%, possibly 10%, directing those savings to property owners, reducing revenue to government by $1.5B to $3B.

Real education for our kids, not factory-style, educational warehousing. Retain only great teachers — good enough is not good enough for our kids. Demand clean water and air. Transform Florida's slums, ghettos, and war zone neighborhoods by enacting my proposed "Oasis Act”. Employ economic development and tourism programs that benefit Floridians most — not developers, special interests, new Florida arrivals, or tourists. Data centers only permitted after a referendum vote and approval by the citizens of the targeted county and city.

As a condition of approval, each data center must commit to building or funding additional power generation and infrastructure sufficient to supply at least 120% of its actual power consumption. This obligation would remain in effect for the entire life of the project.

Additionally, data centers would be required to pay 110% of the electricity rate charged to residential customers, or 110% of the rate they normally pay, whichever is greater. The extra 10% would be credited back on a pro-rata basis to Florida’s residential ratepayers.

1) For homes that can be satisfactorily fortified against hurricanes, the total cost of approved upgrades could be offset against the property’s real estate taxes. Of course, in the short run this would impact local municipalities, but have the long-term benefit of strengthening homes, improving taxable values and retaining residents and entire neighborhoods that could be displaced following a hurricane.

2) For homes that are not candidates for fortification initiatives, and cannot buy affordable insurance, homeowners could be incentivized, one time, to buy a new, hurricane-proof home by providing them with an additional homestead exemption amount on their new home equal to the sale price of their existing home.

3) All home lenders must make a determination prior to the issuance of any home loan that the property’s structure is hurricane resistant and following issuance of the loan, shall not be permitted to withdraw the loan or penalize a homeowner in any way, during the term of the loan, related to the hurricane resistance of the structure.