Florida’s efforts to reduce the number of lawsuits over denied home insurance claims appear to be backfiring, according to a recent report by a Florida-based independent ratings firm.

Insurance companies denied nearly 47% of home insurance claims following two hurricanes in 2024, according to Weiss Ratings’ report. And 13% of those with denied claims sued their insurers over the denials, Weiss reported.

In 2022, Florida’s legislature passed multiple laws aimed at reining in the state’s runaway home insurance costs. The legislation changed how insurance litigation works in the state and limited who can receive compensation for attorney’s fees associated with claim disputes.

Tort reform hasn’t slowed the rate of lawsuits stemming from denied claims, Weiss said. But it has increased the pe

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