Wednesday, October 31st, 2007 — Floridians with homeowner, commercial and liability insurance polices will pay a third 2 percent surcharge to help cover claims against four insurers that went belly up after a series of hurricanes in 2004 and 2005. Insurance Commissioner Kevin McCarty agreed on Monday to the surcharge, which also applies to medical malpractice and aircraft policies. It also had been approved Oct. 11 by the board of the Florida Insurance Guaranty Association.