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Last summer's four hurricanes, and how insurance companies and property owners have dealt with them, are leading to changes in Florida's insurance laws.

The Florida Legislature's Joint Select Committee on Hurricane Relief has prepared a list of recommendations that will be passed on to the full Legislature.

The recommendations include retaining the annual hurricane deductible for homeowners’ policies that were approved during the special session in December.

However, insurers would have to offer both an annual hurricane deductible and a per-event deductible to condominium associations and other commercial residential policies.

The recommendations also call for a complete reexamination of Citizens Property Insurance Corporation, which was created by the state to offer insurance to homeowners who can't get it anywhere else. And it calls for changed in mobile home insurance.