FIRM (Fair Insurance Rates in Monroe) is a non-profit organization based in Key West, FL, dedicated to advocating for fair, equitable, and affordable property insurance coverage for homeowners, residents, and business owners. They work to protect property values and contribute to housing affordability by empowering Monroe County residents to make informed decisions about property insurance coverage, the claims process, mitigation, and storm preparedness.
FIRM focuses on research, education, preparedness, and mitigation, and their efforts have resulted in successful relief for Monroe County insureds, such as exempting condo owners from Citizens flood insurance requirement and providing funding for My Safe Florida Home, which offers free inspections and mitigation upgrades for homesteaded properties. They also work with legislative teams and state legislators to bring more relief to Monroe County residents, including restoring the 10 rate cap, increasing Citizens eligibility cap, and rolling back unnecessary flood insurance requirements.
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