EPISODE · Nov 23, 2025 · 24 MIN
How Insurance Companies Bought the System (HB 459 Breakdown)
from The CMD Project · host Danielrlackey
Florida homeowners need to hear this.In this episode, I break down Florida House Bill 459 — a quietly introduced bill that could strip millions of people of their right to due process. This bill forces all disputed insurance claims into a single state-run system where homeowners don’t get a jury, don’t get a courtroom, and don’t get real discovery.I explain:What HB 459 actually saysHow it eliminates your right to sue your insurance companyWhy the DOAH system is a massive disadvantage for homeownersHow Citizens has already used this system to win 53 out of 54 casesHow political donations and industry influence shaped this billWhy the media isn’t covering any of thisAnd what homeowners can do to push backEven though this was originally recorded as a screen-share video, everything you need to understand is in the audio. This affects every homeowner in Florida — and it needs attention now.Listen, share, and stay informed.
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How Insurance Companies Bought the System (HB 459 Breakdown)
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