Some cities require the STR permit number in the title or very top of the OTA listing so city permit  technicians can scan and keep track otherwise the owner will be contacted and fined for forgetting or shut down if operating illegally.Some cities have a 24/7 STR hotline dedicated to receiving any complaints (from neighbors, HOA) for a code compliance officer to act onSome cities issue expensive fines for those operating without the STR permit

Hello
My mom is a retired Floridian/law enforcement officer who is now getting bit by the Fl home insurance bug...high rates. I'm looking for any recommendations for competitive rates.
I'd appreciate any recommenda...

The most likely culprits are death of property owner before tax sale, or sale of property to someone else but failure to assess in the new owner's name.  

The far majority of the investors that we work with name one of the owners.4.

STRs require a lot more cash up front so you just want to make sure you have a good idea of what you're getting into first :) I own STRs and love it but I also wish I had learned a little more about the analysis and management prior to going live - I did some of that on the back end and could have been successful faster.Another idea is to talk with some owners 1:1 to see what advice they would have for someone starting out.

I also would charge less if that's all that's going on, but there may be other factors at play which is causing the fee to increase as well, I'm also a single member firm owner in LCOL midwest, so that plays into things as well.

As a Property Manager I will tell you that the worst properties I take over are military house hacks when the owner leaves before the roommates. 

When you owner occupy, you can take advantage of owner occupant financing. 

Happy to talk more, and connect you with the community of STR investors in Ashford (Ashford Lodge, the Millards Cabins folks, etc. are young and passionate STR owners that are revitalizing that community!)

The political climate is very anti owner.