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The issue of the cap has pulled a notable amount of attention from counties with high-value home. As Florida homeowners continue to struggle to obtain coverage, industry regulators are now considering the removal of a $700,000 cap on Citizens Insurance policies. The insurer of last result is not legally permitted to cover more than $700K of a replacement cost. The only exception to that Citizens Insurance replacement cost limit is in Miami-Dade and Monroe counties, where there is a $1 million cap instead. The issue is that the home coverage market in Florida is in a critical state and homeowners are struggling to be able to find any coverage at all, forcing them to turn to the insurer of last resort for a policy. However, for high-value properties, the $700,000 cap could be inadequate. Florida Office of Insurance Regulation Deputy Commissioner Susanne Murphy stated at a committee meeting for the insurer last week that regulators are considering whether the coverage cap should be lift