"Florida enacted legal changes meant to curb insurance litigation, but the number of lawsuits filed by policyholders has stayed high — topping all other states."
"In March 2023, Florida Gov. Ron DeSantis signed a bill into law meant to curb “frivolous lawsuits” that he said were raising insurance rates for consumers while enriching predatory lawyers and scaring off insurance carriers.
But a new analysis suggests the law — which has served as a model for other states — may have benefited insurance companies more than it has protected consumers.
The number of lawsuits filed by policyholders whose insurance claims had been denied stayed high, topping all other states, according to data obtained by The Washington Post. Meanwhile, Floridians have continued to pay some of the highest insurance premiums in the country. While Florida insurance officials say that rates have dropped, reporting by the Tampa Bay Times and other outlets on state data shows that people are still seeing rate hikes, though the jumps were lower than in some previous years. Some residents also told The Post they’d seen their insurance costs increase since 2022."
Brianna Sacks reports for the Washington Post September 5, 2025.
Advertisement 
