Melissa McKinlay

@JeffreyBrandes @Scott_Maxwell Got my Citizen’s renewal. Great news. It went up 22% <insert sarcasm>! Waiting on my final policy renewal (I have to carry 3 policies)…. Insurance so far: Car insurance ⬆️ 2.6% Flood insurance ⬆️ 9% Citizens ⬆️ 22% Property taxes ⬇️ 1.2% And local govt is the problem?

@VoteMcKinlay @Scott_Maxwell I’ve given the legislature a few ideas to get rates down further, but overall the market just needs time and a few average storm years. floridapolicyproject.com/jeff-brandes-s…

Florida politicians have teamed up with the insurance industry to tell homeowners that they've delivered big rate relief. The numbers tell a different story. orlandosentinel.com/2026/03/24/max…

@JeffreyBrandes @Scott_Maxwell PS…@JeffreyBrandes well played on the response. 😊 #imnotafraidtobecorrected

@VoteMcKinlay @Scott_Maxwell Flood insurance is a federal program, not a state program. Flood rates are not regulated or priced by companies in the state.

I live in her district. I represented a large part of it on the County Commission. I really hope this is not true….if it is, she needs to resign. yahoo.com/news/articles/…

@JeffreyBrandes @Scott_Maxwell Car insurance went up. And I’ll report back to ya on the other two policies….bottom line, property owners don’t care who’s in charge. All they know is rates are still rising. At least my property taxes went down a bit.

@JeffreyBrandes @Scott_Maxwell Just got my flood insurance renewal. Up 9%. Not looking forward to the renewal notices for the other two policies I have to carry. You can keep telling us how the reforms are working but many of us are not seeing those savings.

Scott, this argument ignores both the data and basic economics. Start with Citizens. It peaked at about 1.41 million policies in 2023. Today it’s roughly 330,000 to 360,000. That’s a 75 percent shift. Markets do not move like that unless private capital is returning and taking risk. Since the reforms, about 15 new insurers have entered Florida with more than $500 million in new surplus. That is new capacity, competition, and exactly what we said the market needed. Litigation is down materially, on the order of 40 to 60 percent depending on the dataset. That was one of the core cost drivers, and it is finally moving in the right direction. The radical thing the legislature implemented was joining 49 other states that require everyone to pay their own attorneys fees. Shocking! Now add the piece people keep ignoring: 2024 was an active hurricane year for Florida, with multiple landfalls driving significant claims. Then 2025 had no landfalls, giving the market a rare chance to stabilize. That matters and I why we didn’t see this change in earlier 2025. In addition, Replacement costs for Florida homes jumped roughly 30 to 40 percent from 2022 to 2026, driven by inflation, labor shortages, and higher material costs, tariffs, and that increase is now flattening but not reversing. Florida still faces the fact that it gets hit 1.8x per year by a named storm. You cannot have all of those inputs moving up and expect premiums to instantly fall. That is not how insurance works. That is not how math works. What the reforms did was stop the spiral. Reinsurance which is 40% of premium is easing. New carriers have entered the market. Citizens shrunk rapidly. Rate filings are flattening and, in many cases, coming down. This crisis was built over more than five years. The reforms are not even three years old. You don’t walk five years into the jungle and expect to change course and be out in two. But for the first time in years, we are actually moving in the right direction. Perfect no, progress absolutely

Walked through the door at @flyPBI at 5a. Through security and grabbing a @Starbucks at 5:05a. Thank you @TSA agents for showing up today! We frequent fliers appreciate you!

@steveschale @JimBoydFL Might draw a bigger crowd than session 😊

I know it’s presumptuous of me to give @JimBoydFL ideas, but this one seems to have merit…

@vrbo I’ve been corresponding with your team for two weeks. They’re useless.

@VoteMcKinlay Hi there, we’re sorry to hear about this. Could you please DM us your booking ID and email address, so we can look into this right away? -Alana

Wow.

@KeithWedgworth @USPSHelp Efficiency experts.

@VoteMcKinlay @USPSHelp Just sight seeing for the holidays.

Hey @USPSHelp explain to me why my package I mailed from West Palm Beach to Chicago landed in Chicago and is now in Detroit? Was supposed to be delivered Friday and it’s now Monday and it’s IN DETROIT?

1. Voters in this district deserve better than this bickering 2. District includes more than “just a lil bit of SE Palm Beach County” - it includes historic cities of South Bay Belle Glade Pahokee Riviera Beach West Palm AND Lox Groves Royal Palm Beach too Don’t rule out PBC

So excited for my friend, former @MiamiDadeCounty Commissioner @EileenHigginsFL Congrats, Madame Mayor! @flcounties @NACoCounties

And lead to a generation of millennials in therapy 😊

@RepRutherfordFL It’s a shame you even had to come on this platform to explain your absence. I lost my Mom to lung cancer, so I’m sending prayers your wife crushes this disease and is home celebrating the holidays with you soon, Sheriff.

As I sit at MD Anderson Cancer Center in Jacksonville with my wife who is battling lung cancer, I can’t describe my disappointment reading claims made by a few of my “friends” in the House that I missed a vote on the Plaskett matter due to my involvement in some made up “deal” for another Republican member of the House. These colleagues could have easily called me to ask why I missed some of the votes this week. Instead, they trashed my character in the media and denounced me. I expect that my true friends who did this, and who now know I was home supporting my wife and family, will now personally and publicly apologize. For the record, if I could’ve voted, it would have been an easy yes. In fact, I voted earlier against the Motion to Refer that would’ve blocked it from coming to the floor.

Well this is stupidity. @Rivierabch businesses in this plaza already have a hard time filling the lot. And then you choose an app NO ONE uses, forget to mention you have to go on app even for the two free hours? How about fixing our water first before hurting local businesses?

Congratulations to fellow Governing Magazine Women in Government Leadership classmate & sister, @HelenaMorenoLA on her decisive victory! New Orleans’ newest Mayor! Excellent choice for the city I once called home! ⚜️

👧 Today, The Junior League celebrates the International Day of the Girl by amplifying the voices of young women and advocating for their rights and opportunities. Every girl deserves the chance to lead and thrive. Let’s work together to inspire future changemakers. #DayOfTheGirl

Was searching for something else this morning and came across this post from a few years ago… Such a wonderful and humbling honor….

Well, we still have more wins than the @FloridaGators 😊