'Going to run out of money': Homeowner shares insurance struggles

Doris Fiorenza, an 83-year-old Delray Beach resident, reports significant financial distress after her insurance premiums nearly doubled. After installing a new roof, she was dropped by Citizens Insurance and forced to secure a private policy with a $3,300 premium, exacerbated by a $900 surcharge for a coverage lapse. Experts advise homeowners to proactively submit proof of property upgrades to insurers and shop around to mitigate rising costs in a competitive market.