It is hard to believe this is just a Florida issue.
Most of the concerns the insurers list would apply just about everywhere.
For what it’s worth, before we installed solar over a year ago on our Alabama home, we called our insurance about it. There are no solar riders or solar policies. The only way it increased our insurance was the same way any other home improvement does — it increases how much coverage in $’s we want in case we have to rebuild. While looking at that I realized that our coverage amount was out of date anyway because we hadn’t increased the coverage to keep up with the rising construction costs we’d have to pay to rebuild. It’s probably a good idea to review that every few years even without a home upgrade (solar or otherwise).