WBBH at 6PM from 18:25 to 18:30 in US/Eastern

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OUR STATE'S INSURER OF LAST RESORT IS LOOKING TO SHUT UP TO 80,000 MORE POLICIES. CITIZENS IS NOW LOOKING AT SEASONAL RESIDENTS AND THOSE WITH SECOND HOMES. NBC TWO'S EVAN DEAN FOUND OUT WHAT IT COULD MEAN IF YOU FALL IN THAT CATEGORY.

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THE WATER LINES ABOUT HERE, MARTING IS AMONG THE MANY WHO HAD TO BUILD BACK AFTER HURRICANE IAN. HE LIVES JUST OFF THE RIVER IN NORTH FORT MYERS. YOU CAN IMAGINE HOW MUCH WATER RUSHED IN HERE. DEVASTATING.

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REALLY, YOU KNOW, FURNITURE WILL FLOW DIDN'T TURNED UPSIDE DOWN. REFRIGERATORS FLOW DIDN'T TURNED UPSIDE DOWN. IT'S, YOU KNOW, IT'S A MASK. HE AND HIS WIFE LIVED IN THIS TRAILER FOR MORE THAN A YEAR AFTER IAN.

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REPAIRING THEIR HOME WAS A LONG PROCESS. SO ARE THE INSURANCE CLAIMS IT WAS SLOW?

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VERY SLOW. THEY DIDN'T COVER SOME THINGS THAT WE THOUGHT THEY SHOULD COVER. NOT ONLY THAT SINCE THE STORM, HE SAYS THEIR FLOOD INSURANCE RATE HAS NEARLY DOUBLED. WE'RE DISAPPOINTED, WE KIND OF ANTICIPATED MARTING LIKE THE REST OF US IS FEELING THE IMPACT OF FLORIDA'S HOME INSURANCE CRISIS.

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RIGHT NOW, A BIG PART OF FIXING IT HAS TO DO WITH THE STATE-RUN CITIZENS INSURANCE. IT'S REALLY ESSENTIAL TO HAVE A STABLE INSURANCE MARKET OF FLORIDA.

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TO HAVE CITIZENS AT A MANAGEABLE RISK LEVEL. INSURANCE EXPERT MARK FREELANDER SAYS THAT MEANS MOVING POLICIES FROM CITIZENS TO PRIVATE INSURERS. THAT'S HAPPENED WITH MORE THAN 300,000 STANDARD HOME POLICIES SINCE JUST OCTOBER. NOW, NEW LEGISLATION COULD HELP CITIZEN SHADE EVEN MORE POLICIES. IT WOULD ALLOW SURPLUS LINES, INSURERS TO TAKE OUT POLICIES FROM CITIZENS ON SECOND HOMES.

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THERE ARE ABOUT 77,000 SUCH POLICIES IN THE STATE. SECONDARY HOMES HAVE BEEN A BIG ISSUE IN FLORIDA.

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BECAUSE MANY OF THE STANDARD HOME INSURERS HAVE STOPPED WRITING THAT THIS THIS SURPLUS LINES INSURANCE ARE NOT REGULATED. THE SAME WAY AS STANDARD INSURERS AND DON'T HAVE THE SAME BACKSTOPS THAT PAY CUSTOMERS OF A COMPANY GOES UNDER.

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BUT THE LEGISLATION WOULD REQUIRE THOSE INSURERS TO HAVE AN A RATING AND BE FINANCIALLY STRONG, GOING WITH A SURPLUS LINES. CARRIER. SHOULD NOT BE A CONCERN.

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FOR A CONSUMER BECAUSE ARE USUALLY VERY HIGHLY RATED AND THE CHANCES OF THEM GOING INSOLVENT ARE VIRTUALLY SARAH. AS FOR MARTING, HE ALREADY HAS SANDBAGS STUFF AHEAD OF THE NEXT STORM SEASON AND A MORE PERMANENT SOLUTION IN THE WORKS BECAUSE OF INSURANCE. AND JUST FOR PEACE OF MIND, BOTH.

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WE'RE GOING TO RAISE THE HOUSE 6 AND A HALF FEET ONCE AND FOR ALL, MAKING SURE THIS DOESN'T HAPPEN AGAIN. THAT'S THAT'S WHAT WE'RE TRYING TO DO. REPORTING LOCAL IN NORTH FORT MYERS, I'M EVAN DEAN FOR NBC. 2.

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ACCORDING TO STATE REGULATIONS, A SURPLUS LINES INSURER COULD ONLY TAKEOUT POLICIES FROM IT CITIZENS IF THEIR PRICES WITHIN 20% OF THE CITIZENS PREMIUM RENEWAL PRICE. IT'S MORE THAN THAT A CUSTOMER CAN UP TO STAY WITH CITIZENS. THE 6TH ANNUAL CAPE CORAL PRIDE FESTIVAL IS TOMORROW. THIS YEAR'S THEME IS JUST BE YOURSELF. THE EVENT STARTS TOMORROW. AFTER 3, THERE'S A PARADE AT 4. YOU CAN ALSO ENJOY LIVE ENTERTAINMENT STREET PERFORMERS FROM 5 TO 10 THROUGHOUT DOWNTOWN CAPE CORAL. YOU NEED TICKETS AND REMEMBER, SOUTHEAST 47 TERRACE IS GOING TO BE CLOSED FROM 9TH PLACE TO 15TH AVENUE ALL WEEKEND THAT A TRAFFIC ALERT FOR YOU AS WE TAKE A LIVE LOOK AT THE LEE HEALTH SPORTS COMPLEX ON 6 MILE CYPRESS.

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DOESN'T LOOK TOO BUSY NOW, BUT IT WILL. THIS WEEKEND, THE MINNESOTA TWINS AND RED SOX BOTH HAVE HOME GAMES THIS SUNDAY AT 105. SO EXPECT A LOT MORE TRAFFIC IN THIS AREA. THE BALLPARKS ARE JUST A FEW MILES AWAY FROM EACH OTHER NEAR DANIELS PARKWAY. AND I-75. SO IT'S BEST TO AVOID DANIELS 6 MILE. AND THAT SECTION OF I-75 BEFORE. ONE. AND THEN AGAIN, AROUND 4 O'CLOCK SUNDAY AFTERNOON.

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BOTH HOME GAMES AT THE SAME TIME. IS A NIGHTMARE ON YEAH. THAT AREA GETS SO BOGGED DOWN.

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SO IF YOU'RE GOING TO WAIT IN TRAFFIC, LET'S HOPE FOR GOOD WEATHER LAWYER SITTING ON DANIELS PART OR IF YOU'RE AT THE GAME, WHAT THE BIG WEATHER STORIES THAT WE'RE MOVING AWAY FROM THE SUPER SUPER QUIET AND STABLE WEATHER PATTERN THAT WE ENJOYED FOR SO LONG AND WE'RE MOVING TOWARD A MORE ACTIVE WEATHER SET UP NOW. WE IS THERE SOMETHING WRONG WITH THE AS WE TAKE A LOOK AT THE WEATHER SET UP. I'M GONNA STEP OF CAMERAS. EVEN GET THE GRAPHICS ARE DOWN HERE. AS WE TAKE A LOOK AT THE ACTIVE WEATHER SET UP AND SEE IF THIS WORKS HERE. NOW. HEY, IT'S WORKING FINALLY. ALL RIGHT. MORE ACTIVE WEATHER SET UP IS MOVING. WE'RE MOVING TOWARD AND ALONG WITH A MORE ACTIVE WEATHER WE DON'T ANTICIPATE ANY BIG COOL DOWNS WITH THIS GO AROUND. AND THE REASON THAT'S THE CASE IS BECAUSE ARE MORE ACTIVE. WEATHER SET UP IS COMPLIMENTS OF STORM SYSTEMS AND WEATHER FRONT THAT WILL BE MOVING ACROSS THE NORTHERN SECTIONS OF FLORIDA, BUT THEY DON'T MOVE FAR ENOUGH SOUTH TO BRING ANY MAJOR PUSH IS OF COOLER AIR OUR DIRECTIONS. THAT'S WHY OVER THE COURSE OF THE NEXT FEW DAYS AS THESE WEATHER SYSTEMS AND DISTURBANCES STAY TO THE NORTH OF US. WE WILL HAVE TO INTRODUCE THE CHANCE FOR SOME SHOWERS. EVEN SOME THUNDERSTORMS. BUT WITHOUT ANY MAJOR DROPS IN TEMPERATURE IN THE SEVEN-DAY FORECAST, YOU'LL NOTICE THIS IS EARLY AS TOMORROW MORNING. YOU KNOW, 8 O'CLOCK IN THE MORNING THE