Accountability. Transparency. A Better Florida.

My name is Dr. Frank W. Collige. I am a veteran, business owner, insurance professional, former government investigator, and advocate for greater accountability in Florida government and the insurance industry.

In 2026, I ran for Florida Chief Financial Officer. Although that campaign has ended, the reasons I entered the race have not disappeared. Florida families are still struggling with the cost of insurance. Questions remain about how taxpayer dollars are spent. Consumers still deserve stronger protections. And our elected officials and government agencies should always be accountable to the people they serve.

My campaign may be over, but my commitment to those issues is not.

Throughout my career, I have had the opportunity to see government, business, insurance, investigations, and leadership from very different perspectives.

I served in the United States Air Force, where I was entrusted with protecting some of our nation's most important assets and learned that accountability is not simply a talking point. It is a responsibility. I later worked in government investigations and moved into the private sector, where I have managed businesses, budgets, regulatory requirements, employees, complex insurance claims, and operations spanning multiple states.

As the owner of Property Pros Consulting, I built a company that operates across multiple states and handles more than 1,000 insurance claims annually. That experience has placed me directly between policyholders, insurance companies, contractors, regulators, and the complicated system governing property insurance claims.

I have seen good people and organizations within that system, but I have also seen its failures.

I have seen legitimate claims delayed or denied. I have seen consumers struggle to understand policies that seem intentionally complicated. I have seen contractors take advantage of homeowners. I have seen questionable claims presented to insurance companies. I have seen inefficiencies, unnecessary expenses, and practices that ultimately increase costs for everyone.

Those experiences shaped many of the positions I advocated for during my campaign for Florida CFO, and they continue to shape the issues I intend to discuss and advocate for today.

Financial Transparency and Government Accountability

Floridians should not need to be accountants, attorneys, investigators, or political insiders to understand how their government spends their money.

Government financial information should be accessible, understandable, and available to the people who paid for it.

I continue to support greater transparency in government spending, including detailed financial reporting that allows citizens to see where public money goes, who receives it, what taxpayers purchased, and what results were produced.

Audits remain an important tool for identifying misconduct and financial mismanagement, but transparency should not begin when an auditor arrives. It should be built into government operations from the beginning.

Government agencies should operate with the understanding that taxpayers have a right to examine how their money is being used.

Waste, fraud, abuse, conflicts of interest, and financial mismanagement should be investigated regardless of political party or who holds office. Accountability means very little if it is only demanded from the other side.

Insurance Reform and Consumer Protection

Florida's insurance problems cannot be solved through slogans.

They require an honest examination of premiums, claims practices, litigation, reinsurance, fraud, regulatory decisions, carrier finances, catastrophe exposure, construction costs, and the laws governing the relationship between insurance companies and their policyholders.

For years, I have worked directly with property owners navigating that system.

I believe policyholders deserve meaningful consumer protections and a claims process that is fair to both the insured and the insurer. Insurance companies have a legitimate responsibility to investigate claims and prevent fraud, but policyholders also have the right to expect that legitimate claims will be investigated promptly, evaluated fairly, and paid according to the coverage they purchased.

Fraud must also be addressed wherever it occurs.

Contractor fraud hurts consumers and drives costs higher. Insurance fraud committed by policyholders affects everyone who pays premiums. At the same time, deceptive or improper practices by insurance companies should receive the same scrutiny.

Fraud does not become acceptable simply because the person or organization committing it has more money, better attorneys, or greater political influence.

Florida needs an insurance marketplace built around accountability, competition, financial stability, and consumer protection. The goal should not simply be keeping insurance companies operating in Florida. The goal should be creating a sustainable market in which responsible insurers can succeed while Floridians can actually afford the protection they need.

Disaster Preparedness and Financial Resilience

Florida will always face hurricanes, flooding, wildfires, and other natural disasters. We cannot prevent every catastrophe, but we can determine how prepared we are when one occurs.

Financial preparedness must therefore be treated as seriously as physical preparedness.

Florida should maintain strong financial reserves and catastrophe planning so the state can respond quickly without creating unnecessary financial burdens after a disaster occurs.

Consumers also need better information before disaster strikes.

Families should understand their insurance coverage, deductibles, exclusions, emergency resources, and responsibilities before a hurricane is approaching the coastline. Businesses should have continuity plans. Government agencies should have clear procedures for deploying resources, and assistance should reach affected communities as efficiently as possible.

The best disaster response begins long before the disaster.

The Mission Continues

Running for statewide office gave me an opportunity to travel Florida, speak with voters, listen to families and business owners, study state government more closely, and have conversations about issues that deserve far more public attention.

The election ended. Those conversations should not.

I intend to continue researching Florida government, insurance, consumer protection, financial policy, regulatory accountability, and the decisions being made in Tallahassee.

I will continue asking difficult questions.

I will continue speaking about policies I believe are hurting Floridians.

I will also support good ideas when they deserve support, regardless of who proposed them. Accountability should never require blind allegiance to a political party, organization, industry, or individual.

This website will continue as a place to discuss those issues, examine public policy, share research, and advocate for solutions.

I also plan to expand those conversations through articles, social media, and podcast discussions that allow us to go deeper than a headline or thirty-second political sound bite.

My experience has taught me that meaningful change rarely begins inside government. It usually begins when ordinary people start asking questions, demanding answers, and refusing to accept that something must continue simply because "that's how we've always done it."

I believe Florida can have a stable insurance market without abandoning consumers.

I believe government can operate transparently without wasting millions of dollars trying to prove that it is transparent.

I believe businesses can succeed while still being held accountable.

I believe taxpayers have a right to know where their money goes.

And I believe public officials should remember that holding office does not make someone the owner of government. It makes them a temporary steward of an institution that belongs to the people.

My campaign for Florida Chief Financial Officer was one chapter in that mission.

It will not be the last.

If you care about insurance reform, government accountability, financial transparency, consumer protection, and Florida's future, I invite you to stay involved.

Follow the research. Join the conversations. Listen to the podcast. Challenge my ideas when you disagree. Share information you believe deserves greater attention. Most importantly, continue asking questions of the people and institutions entrusted with serving you.

Florida belongs to its citizens, and an informed and engaged public remains the strongest accountability system we have.

Dr. Frank W. Collige, DBA
Veteran | Business Owner | Insurance Professional | Consumer & Government Accountability Advocate