Volume 291 | July 2026

 

Weekly E-Connection

801 West Bay Drive, Suite 602

Largo, Florida 33770

Tel: 727-584-2321 www.CentralChamber.biz


"So long, July!" Edition

July 28, 2026

Greetings!

In light of the current political fanfare, I asked my AI buddy HAL what is a bigger concern for most Floridians, property insurance rates or property taxes. Here's how HAL sees it.

Tom Morrissette, President


For most Floridians in 2026, property insurance is generally the bigger concern, although it depends on where they live and whether they're a homeowner or renter.

 

Why insurance ranks higher

Recent statewide polling and discussions by business organizations consistently show that insurance affordability is one of the top economic concerns for Floridians. Many homeowners have experienced:

  • Premium increases of 50–200% over several years.
  • Difficulty finding insurers willing to write new policies.
  • Higher hurricane deductibles.
  • Increased escrow payments due primarily to insurance rather than taxes.

For many homeowners, insurance now exceeds their annual property tax bill.


Different perspectives

  • Homeowners: Insurance is usually the top concern.
  • Businesses: Both are major issues. Commercial insurance costs have also risen sharply, while property taxes directly affect operating expenses.
  • Retirees on fixed incomes: Insurance often creates the greatest financial uncertainty, though increasing tax bills are also challenging.
  • Prospective homebuyers: Insurance costs have become a determining factor in whether they can afford a home.


For Pinellas County

In Pinellas County, where many homes are older and the county is highly vulnerable to hurricanes and flooding, insurance costs have become a particularly significant issue. Even inland properties have experienced premium increases, while coastal and flood-prone properties often face especially steep insurance expenses.

 

Bottom line

If you were to ask Floridians to identify their single biggest housing-related financial concern, property insurance would likely rank first, with property taxes second. However, many residents view the two together as the combined cost of homeownership, making affordability an overarching concern.

PROUD MEMBER

Welcome Infinity Prep-Clearwater

Traci Mask, Principal of Infinity Prep-Clearwater, is presented a Chamber membership plaque by Ambassadors Melissa Fusillo of Regions Bank and Abby Marzi of ARC.


Infinity Prep is a private, college-prep school opening for the new 2026-2027 school year. It serves grades K-11/12 with small class sizes and personalized learning pathways. It's located at 2177 NE Coachman Road, Clearwater. Here's the website: Infinity Prep

You're cordially invited to come celebrate!

Place your reservations here: INSPIRE 2026

Bringing community together!

A tasty field trip

Welcome Moe's Original BBQ

Members of the Chamber Business Networking Team enjoyed a recent visit to Moe's Original BBQ to welcome them to the Chamber. Seen here, Chamber Ambassador Gail Holden of Office Services 101 presents our plaque to Moe's owner Janeen Fairhurst. The restaurant is located at 10801 Starkey Rd, Suite 3 in Seminole. For more info, here's the website: Moe's Original BBQ

Join us next week!

Register Here: COFFEE AN'



Hot coffee chats. Not cold calls!

Grab an extra Go-to Guide

Your Chamber's 2026-2027 Go-to Guide has been distributed to every member and then some. If you'd like an extra copy or two, visit our office during regular business hours.

Central Pinellas Chamber

801 West Bay Drive, Suite 602

Largo 33770

A special thanks to all our guide advertisers!


Advertise with Us!

Reach more than 1,000 Chamber contacts

$50 per ad or 4x $100

$25 non-profit rate

Order here:

E-Connection



Florida citrus finds new momentum - Shannon Shepp, Florida Department of Citrus executive director, recently discussed the renewed sense of optimism being felt in the Florida citrus industry due to recent positive developments. One of the reasons for optimism is the U.S. Department of Agriculture’s final citrus forecast for the 2025–26 season. Despite weathering another challenging season, including damaging freezes, Florida orange production climbed to nearly 13 million boxes, marking the first meaningful increase after years of decline. More from Citrus Industry.


What to cut? Florida schools hold budget public hearings this week - School district officials across Florida have been discussing ways to slash spending for the past several months, as they confront declining enrollment and rising prices. Their plans become more real this week. To meet state requirements and deadlines, school boards begin holding their first of two budget public hearings on Tuesday. After adopting their tentative property tax rates, the boards can reduce them but cannot go any higher. More from the Tampa Bay Times.


Gasworx clears major hurdle to reconnect downtown Tampa and Ybor City -

Gasworx has moved a step closer to reconnecting downtown Tampa and Ybor City after clearing a major infrastructure hurdle. The City of Tampa has finalized the railroad agreements and property transfers needed to construct the East 4th Avenue rail crossing, a long-planned connection that will reconnect streets divided for decades by the CSX rail corridor and pave the way for the next phase of infrastructure supporting the 50-acre mixed-use district south of Ybor City. More from Tampa Bay Business & Wealth.


Miami-based City Labs sends into orbit tiny nuclear batteries that could power space exploration - A Miami-based company is helping power the future of space exploration. City Labs builds small nuclear batteries designed to generate electricity for decades without needing sunlight, making them ideal for satellites and other spacecraft. Earlier this month, the company reached a major milestone when its first commercial nuclear-powered payload launched into orbit aboard a SpaceX rocket. More from Refresh Miami.


Stadiums, theaters, conventions and the arts: Orange TDT board to hear massive proposals - A slate of potentially transformative projects, all seeking a slice of Orange County’s substantial hotel tax revenue, will soon be pitched to the task force that will decide their fates — but the financial reality and political will to advance them remain murky. They range from ideas as expensive as nearly $1 billion toward a professional baseball stadium to as (relatively) cheap as a $20 million plan to convert a greenhouse owned by the City of Apopka into a natural history museum. More from the Orlando Sentinel.

Thank you to our Board of Trustees and E-Connection Sponsors

ARC

Bay Care/Morton Plant Hospital

Business & Family Insurors

Cloud Law Firm PA

Duke Energy

Encompass Health Rehabilitation Hospital

Florida Blue

HCA Florida Largo Hospital

Jackson & Associates CPA

Melody Hunter Homes

National Aviation Academy

Pinellas County Housing Authority

Piper Fire Protection - A Fortis Group

Platinum Information Services

Regions Bank

Serenity Funeral Home and Serenity

Gardens Memorial Park

State Farm - Team Cocco

The Palms of Largo

Tommy's Express Car Wash

Valley National Bank

Visit St. Pete/Clearwater

Vitas Healthcare

To learn more about becoming a Trustee, contact Tom@CentralChamber.biz

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