The Issues

THE PROBLEM

Florida homeowners pay about $8,292 a year for insurance, the highest in the nation (opens in a new tab). For most families, the insurance bill now costs more than their property taxes.

Blaise Ingoglia, the appointed CFO who is supposed to be watching this industry, has taken at least a quarter million dollars in political contributions from insurance interests. He also voted for a $3 billion tax handout to insurance companies while they kept charging Floridians the highest rates in the nation.

ANNETTE'S PLAN

• Publish the Insurance Company Report Card: how fast each company responds to claims, how often it delays or denies payment, how much it raises rates, how much of your premium it pays to its own affiliates, and how financially sound it is. Every company, by name.
• Fight for full transparency on insurance company "affiliates," the sister companies insurers pay while claiming they are losing money here. The state's own hidden report found insurers claiming $432 million in losses while their affiliates earned $1.3 billion. (More below.)
• Use her Cabinet vote and the bully pulpit of the CFO's office to fight for lower rates, and demand answers when executives pay themselves millions while your premium climbs.

THE CFO POWER IT USES

The Department of Financial Services' consumer complaint records and Division of Consumer Services, the Office of Insurance Regulation's public company filings, and the CFO's seat on the Financial Services Commission, which oversees the Office of Insurance Regulation.

HOW YOU'LL KNOW IT'S WORKING

The first report card published within her first 100 days in office, and updated every year, with every company named.

THE PROBLEM

In 2022, the Office of Insurance Regulation paid a consultant about $150,000 to study the fees insurers pay their own affiliates, sister companies with the same owners that handle claims, underwriting, and other services. The report was never released. When the Orlando Sentinel and South Florida Sun Sentinel obtained it through a public records request, the Florida Senate demanded they destroy it (opens in a new tab) and warned of "civil or criminal legal implications."

The newspapers published it anyway. Across 53 companies from 2017 to 2019, insurers claimed $432 million in losses (opens in a new tab) while paying fees to affiliates that earned $1.3 billion in net income. The consultant found 20 companies paying their affiliates at rates presumed not to be "fair and reasonable," the standard in Florida law. At least 17 reported losses while paying their affiliates more than they said they lost.

It hasn't stopped. In 2025, key Florida insurers were still paying affiliates 20 to 35 percent of premiums, the same range the report found. This year the Florida House voted 106 to 3 to give regulators more power over affiliate payments. The bill died in the Senate.

State regulators now call the report flawed and outdated, but they won't say what is wrong with it. And the insurers named in it dispute its findings. Floridians paid for this report. They deserve the full picture.

Blaise Ingoglia holds a vote on the Financial Services Commission, which oversees the Office of Insurance Regulation. He has said nothing.

ANNETTE'S PLAN

• Show you where your premium goes. Annette's insurance report card will show what share of each company's premium goes to its own affiliates, drawn from the companies' public financial filings.
• Use her Cabinet vote to push for an updated, independent audit of affiliate payments, the one the House promised and then dropped, and to demand the results be made public.
• Fight for the affiliate reform the House passed 106 to 3: a clear legal definition of "fair and reasonable" and full disclosure to regulators of what affiliates are paid.
• Oppose every effort to hide reports the public paid for. Your premiums, your tax dollars, your right to know.

THE CFO POWER IT USES

The CFO's seat on the Financial Services Commission, which oversees the Office of Insurance Regulation and appoints the Insurance Commissioner; the Department of Financial Services' consumer information role; and the bully pulpit. New affiliate rules need the Legislature, and Annette will fight for them.

HOW YOU'LL KNOW IT'S WORKING

Affiliate payments listed for every company on the first insurance report card, within her first 100 days.

THE PROBLEM

Amendment 3 raises the homestead exemption on non-school property taxes to $150,000 in 2027 and $250,000 in 2028. State economists estimate (opens in a new tab) it would take about $12 billion a year out of local budgets. The amendment does not say how any of that gets replaced.

The hardest hit are Florida's 29 fiscally constrained rural counties, which could lose 20 to 33 percent of their yearly revenue, according to the Florida Association of Counties (opens in a new tab). These are small counties with few businesses to share the load. Property taxes pay for their sheriffs, their firefighters, and their ambulances.

And there is nothing in it to keep your taxes from going back up. Local governments still set their own tax rates every year, and the amendment does not limit them (opens in a new tab). When the money has to come from somewhere, it comes from higher rates on renters, small businesses, and everything else that is still taxed. Many families could end up paying more.

Even Republican sheriffs and Firefighters are sounding the alarm. Polk County Sheriff Grady Judd (opens in a new tab) has urged voters to reject Amendment 3 and demand a plan that keeps public safety funded. The Governor now says "help for rural" (opens in a new tab) counties is coming if it passes. A promise is not a safeguard. It isn't written into the amendment.

Here is the math that matters most. The average Florida homeowner pays about $8,292 a year for insurance, the highest in the nation, and far more than the typical property tax bill. If you want to put real money back in families' pockets, start with the biggest bill.

ANNETTE'S PLAN

• Cut taxes the right way. Annette supports raising the homestead exemption and real property tax relief, paid for honestly, with safeguards so the savings don't disappear into higher local rates and new fees.
• Stand with rural Florida. Annette will fight for any tax relief to come with a guaranteed backstop for fiscally constrained counties, so no community has to choose between a tax cut and a sheriff's deputy.
• Go after the biggest bill first. The insurance company report card (opens in a new tab), the fight over hidden affiliate profits, and her Cabinet vote for lower rates all target the cost that is squeezing Florida homeowners hardest.
• Find the money in Tallahassee first. Before anyone asks your county to cut firefighters, Annette will use the CFO's audit authority to go after the waste, no-bid contracts, and insider deals in state spending.
• Tell you the truth about your tax bill. If Amendment 3 passes, her office will track and publish, county by county, what happens to local budgets and tax rates, so you can see whether your tax cut was real.

THE CFO POWER IT USES

Tax law is written by the Legislature and the voters, and the CFO does not set tax rates. What the CFO does have: audit authority over state spending, the state's checkbook and financial reporting, a Cabinet vote, and the bully pulpit of a statewide office. Annette will use all of them.

HOW YOU'LL KNOW IT'S WORKING

A public, county-by-county report on local budgets and tax rates after Amendment 3, and an insurance report card in your hands within her first 100 days.

Annette is for cutting your taxes. She is against a plan that defunds police and fire instead.

THE PROBLEM

More than 1.2 million Florida families rely on Citizens, the state-backed insurer, and every Florida policyholder is on the hook if it runs short. Families are being pushed off Citizens into private companies through "depopulation" deals. The executives of one company taking those policies collected nearly $38 million in compensation in a single year, disclosed in their own filing to Wall Street, while premiums kept climbing.

ANNETTE'S PLAN

• Appoint Citizens board members who answer to policyholders.
• Use her seat on the Financial Services Commission, which approves Citizens' plan of operation and appoints its independent Inspector General, to demand that depopulation serves families, not takeout companies.
• Fight for depopulation transparency: before any family is moved off Citizens, a clear, honest, side-by-side comparison of what they will pay and what coverage they will get.

THE CFO POWER IT USES

Direct appointment power over the Citizens Board of Governors, and the CFO's seat on the Financial Services Commission.

HOW YOU'LL KNOW IT'S WORKING

Annette will publish the background of every Citizens board member she appoints, so you can see who they answer to.

THE PROBLEM

The trauma of a hurricane isn't just the premium. It's the slow-walked, lowballed claim that comes after, when families wait months for a check while living in a gutted house. Right now, when your insurer stalls, you're on your own.

ANNETTE'S PLAN

• Deploy storm strike teams from the Division of Consumer Services into hit communities within 3 to 5 days of landfall.
• Turn the state's insurance helpline into a unit with teeth: when a carrier lowballs or denies, her office will demand answers, escalate to investigators, and refer bad actors for enforcement.
• Expand the state's property insurance mediation program so families can fight a lowball offer without hiring a lawyer.

THE CFO POWER IT USES

Existing divisions of the CFO's own department: Consumer Services, the insurance fraud investigators, and the state mediation program. Given a mission and a deadline.

HOW YOU'LL KNOW IT'S WORKING

Strike teams on the ground within 3 to 5 days of landfall, and a public report after every storm on how many claims her office helped move.

THE PROBLEM

The State of Florida is sitting on billions of dollars that belong to Florida families: dormant bank accounts, uncashed checks, forgotten insurance payouts. Roughly one in five Floridians has money waiting.

This year, Tallahassee quietly changed the law to stop calling it your "unclaimed" money and start calling it "abandoned" property. You didn't abandon anything. The bank lost your address. A relative passed away. A check went to an old apartment. When a Florida couple went to federal court over their own $26.24 refund, the state argued they had walked away from it. The court rejected that argument. So Tallahassee changed the words in the law instead.

ANNETTE'S PLAN

• Call your money what it is: yours. Not abandoned. Not the state's.
• Proactively match records to current addresses and mail you your check.
• Put seniors, veterans, and the families owed the most first in line for automatic returns.

THE CFO POWER IT USES

The unclaimed property program is run by the CFO's own department. No waiting on the Legislature.

HOW YOU'LL KNOW IT'S WORKING

A public report every quarter on how much money went back into Floridians' pockets.

THE PROBLEM

Young families are being priced out of the state they grew up in, and Tallahassee has treated the housing crisis as someone else's problem.

ANNETTE'S PLAN

• Fight for expanded down payment assistance and mortgage credit certificates for first-time buyers.
• Champion homebuyer savings accounts that help working families build a down payment faster, modeled on programs already working in other states.
• Fight for rent payment reporting so renters who pay on time every month build the credit they deserve.

THE CFO POWER IT USES

Her Cabinet vote and audit authority over the Florida Housing Finance Corporation. New savings accounts and rent reporting need the Legislature, and Annette will use the bully pulpit to get them there.

HOW YOU'LL KNOW IT'S WORKING

Annette will publish each year how much home buying help actually reached Florida families, and where.

THE PROBLEM

Massive AI data centers are coming to Florida, demanding enormous amounts of electricity and water. Tallahassee passed a law this year it said would shield ratepayers. Then Florida's biggest utility told Wall Street what the law really is: a profit engine. On its earnings call, FPL's parent company projected roughly $2 billion in guaranteed-return investment for every gigawatt of data center demand, and raised its forecast to 8 gigawatts by 2032 (opens in a new tab). That is roughly $16 billion. The law's safeguards for you? Optional, at the discretion of a commission appointed by the Governor.

Energy companies have given Blaise Ingoglia over one hundred thousand dollars in political support while currently promoting the construction of massive hyperscale data centers across the state of Florida that will drive up utility costs for Florida families.

ANNETTE'S PLAN

• Support a statewide moratorium on new large-scale AI data centers until Florida has enforceable safeguards for ratepayers, water, and communities.
• Use the CFO's audit authority to check the receipts and expose any cost-shifting that lands data center infrastructure on Florida families' bills.
• Fight for full transparency on every data center deal. If a project needs your water and your power grid, you have a right to know who is behind it before it is approved.

THE CFO POWER IT USES

The CFO's audit authority and the bully pulpit. A moratorium needs action by the Legislature, and Annette will fight for it.

HOW YOU'LL KNOW IT'S WORKING

Annette will publish what her audits find about who is really paying for data center infrastructure.

THE PROBLEM

Florida drained its Emergency Preparedness and Response Fund to under $7 million during hurricane and brush fire season, after roughly $890 million in spending. More than a billion dollars went out the door with no competitive bids and no independent audit. Meanwhile Blaise Ingoglia looked the other way and received a $100,000 check to his political committee from CDR Enterprises, the largest vendor for Alligator Alcatraz.

Florida Statutes require it (opens in a new tab). Once a state of emergency lasts more than a year, all of its spending must be audited, and updated every year. Every contract signed to support the emergency, including the no-bid deals, must be posted in FACTS, the state's public contract database. Florida's immigration emergency has run for years. The audit hasn't happened, and hundreds of millions in contracts are still missing from FACTS.

Blaise Ingoglia built an audit operation, which he named FAFO, to go after county governments across the state. But he won't look at a single dollar the Governor spent on Alligator Alcatraz. Asked about it, his office said it had “full confidence in the Trump Administration's financial review (opens in a new tab).” That's not fiscal oversight. That's covering for the man who appointed him.

ANNETTE'S PLAN

• Use the CFO's audit authority under Florida law to audit emergency spending, starting with Alligator Alcatraz and every no-bid deal behind it.
• Get every emergency contract posted in FACTS, as the law requires. The database is run by the CFO's own department.
• Refer anything improper to law enforcement.
• Track every dollar of federal reimbursement Florida is eligible for and report on what has actually come back. Florida is eligible for up to $608 million from FEMA. So far, about $58 million has been reimbursed.
• Audit waste wherever it is, in any city, any county, and any state agency, no matter which party is in charge.

THE CFO POWER IT USES

Florida Statutes give the CFO the power to audit state accounts and refer anything improper to law enforcement (Section 17.04). The FACTS database, where every emergency contract must be posted, is run by the CFO's own department.

HOW YOU'LL KNOW IT'S WORKING

Audit findings published in plain language, every emergency contract searchable in FACTS, and a quarterly public report on federal reimbursements.

IN ANNETTE'S WORDS

“Blaise Ingoglia is wrong. Auditing how state money is spent is the job. Florida Statutes give the CFO the power to audit state accounts and refer anything improper to law enforcement.

He built FAFO to audit county governments across the state. But he won't look at a single dollar the governor spent on Alligator Alcatraz. That's not fiscal oversight. That's covering for the man who appointed him.

The law is clear. After one year, every dollar spent and every contract signed under this emergency must be audited, and every contract must be posted in FACTS. That includes the no-bid deals. Neither has happened.”

THE PROBLEM

Florida's government spends over $100 billion a year, and for years the CFO has looked the other way because politicians in Tallahassee cover for each other and the donors who get no-bid contracts and tax handouts. That is not oversight. That is selective enforcement.

ANNETTE'S PLAN

• Apply one standard of fiscal oversight to every level of government, regardless of party.
• Start where the money is: the state contracts and emergency spending Blaise Ingoglia refuses to examine.
• Publish audit findings in plain language so every Floridian can follow the money.

THE CFO POWER IT USES

The CFO audits the state's payments and has audit authority across state government under Florida Statutes.

HOW YOU'LL KNOW IT'S WORKING

Every audit Annette's office completes, state or local, published in one public place.

A watchdog that only bites the other party's ankles is not a watchdog. It's a political weapon, and taxpayers are the ones getting bitten.

THE PROBLEM

Millions of Floridians live under HOAs and condo associations, and too many have watched their fees climb while board insiders treat community funds like a personal bank account. When theft happens, homeowners are told to hire a lawyer and hope.

ANNETTE'S PLAN

• Put the Department of Financial Services' sworn fraud investigators to work on HOA and condo association theft, following the money and referring cases for prosecution.
• Fight for real financial transparency and reserve reporting standards so families can see where their money goes before it disappears.
• Stand with homeowners fighting association insurance abuses, using the CFO's consumer role to help residents get answers from carriers.

THE CFO POWER IT USES

The Department of Financial Services' sworn law enforcement investigators and the CFO's authority to refer cases for prosecution.

HOW YOU'LL KNOW IT'S WORKING

A public count of the HOA and condo fraud cases her office opens and refers for prosecution.

ANNETTE'S RECORD

The Hammocks is the largest HOA in Florida, home to roughly 18,000 residents. Annette spent years helping homeowners gather records and find the courage to speak to the State Attorney's office. People were threatened. She did not back down. The result: guilty pleas in an $11 million theft, the longest prison sentence ever given to an HOA president in the country, and a new state law for homeowners. Most candidates have talking points on HOA fraud. Annette has a record.

THE PROBLEM

The Florida Retirement System holds the pensions of teachers, police officers, firefighters, nurses, and public workers across the state. That money has one job: to be there when they retire.

In recent years, politicians have used the state's investment decisions to make political statements and win headlines, instead of focusing on returns. Every investment decision made for politics instead of performance puts retirees' money at risk.

ANNETTE'S PLAN

• Keep politics out of investment decisions, from any direction. Every investment judged on risk and return, never on a politician's agenda, left or right.
• Hold the board to its legal duty. State pension trustees are required to act solely in the interest of the retirees and workers who own this money. Annette will hold every vote to that standard.
• Fight for full transparency on investment fees and performance, so retirees can see exactly how their money is managed and what it costs them.
• Bring 30 years of making payroll to the job, and treat your retirement with the seriousness it deserves.

THE CFO POWER IT USES

One of three trustee votes on the State Board of Administration, alongside the Governor and the Attorney General. Decisions take a majority, so Annette will use her vote and her voice.

HOW YOU'LL KNOW IT'S WORKING

Annette will explain every major vote she casts on the State Board of Administration, in plain language, so you know how your retirement is being managed.

THE PROBLEM

Ten million dollars from a Medicaid settlement, meant for health care for sick children, was diverted through Hope Florida to political committees. A grand jury found the money was "misappropriated as part of a sophisticated scheme to fund political activities (opens in a new tab)." The CFO is required by law to audit and refer cases like this. Instead, soon after taking office, Blaise Ingoglia hired the woman a grand jury identified as the architect of the scheme as his chief of staff. The grand jury called her testimony "not credible."

Then Florida taxpayers paid for the defense: half a million in the Hope Florida investigation, including nearly $200,000 for hers (opens in a new tab). The Governor's office paid two private law firms (opens in a new tab), at up to $875 an hour, while the grand jury investigated. A Florida Attorney General opinion (opens in a new tab) from 1994, still posted by the current Attorney General's office, says a state agency "may not pay attorney's fees for an employee of the agency who is called before a grand jury for investigation involving his or her official duties."

The CFO's office is supposed to check every state payment before it goes out. Annette has already called for an investigation (opens in a new tab) into these legal bills.

ANNETTE'S PLAN

• Use the CFO's audit and investigative authority to follow the money whenever public funds are diverted from their legal purpose.
• Audit every taxpayer dollar spent on private lawyers in the Hope Florida investigation, and fight to recover any payment that should never have been made.
• Refuse to sign off on taxpayer payments that Florida's own legal guidance says agencies may not make. The CFO checks state payments before they go out, and Annette will do that job.
• Refer every case her office builds for prosecution. Politicians guilty of corruption belong in prison, in any party.
• Use the CFO's legal authority to fight to recover public money that was improperly spent.

THE CFO POWER IT USES

The CFO's duty to audit state payments before they are made (Section 17.03, Florida Statutes), the audit and law enforcement referral duties in Section 17.04, and the Department of Financial Services' sworn investigators.

HOW YOU'LL KNOW IT'S WORKING

A public report on what her office finds, what it refers, and how much money it recovers, including every dollar of Hope Florida legal fees paid by taxpayers.

THE PROBLEM

Florida law requires every state contract to be published in the FACTS database, the transparency system the CFO's own department operates. Instead, $342 million in Alligator Alcatraz contracts were hidden from public view (opens in a new tab). One company received $537 million in no-bid deals, and it gave $100,000 to Blaise Ingoglia's political committee.

ANNETTE'S PLAN

• Enforce the law. Every contract goes in the FACTS database. No exceptions, no hiding contracts as purchase orders.
• Launch an investigation into the state's no-bid emergency contracts, starting with the ones Blaise Ingoglia ignored.
• Build a public spending portal that lets any Floridian search where their tax dollars go, in plain language.
• Publicly disclose when state contractors have made political contributions to the officials overseeing their contracts.

THE CFO POWER IT USES

The FACTS database is run by the CFO's own department, and the CFO audits the state's payments before they go out.

HOW YOU'LL KNOW IT'S WORKING

Every state contract searchable in FACTS, and every no-bid emergency contract audited and posted.