That is not something that's happening; surplus is tightly regulated now in Florida. Plus, reinsurers will not let insurers steal money that's meant to cover lo

That is not something that's happening; surplus is tightly regulated now in Florida. Plus, reinsurers will not let insurers steal money that's meant to cover losses. It's cheaper for Florida to tweak the dials of surplus regulation than to become an insurance company because it would encourage loss-making behavior.