Government is responsible for much of the problem by over regulation. The vast majority of claims are in the coastal areas, but the insurance companies aren’t able to price their premiums accordingly. The political class and their supporters make sure the pain is spread in a socialistic manner due to their use of those coastal areas. The next big problem if FRAUD which is aided and abetted by the Florida Bar Association and, once again, the state government. In my time here it’s been one fraud after another. We get a lot of lightening so there are a lot of claims for electronics (real or not). Then there was the sink hole scam, then the water damage scam, then the roof scam, and it never ends. The auto injury scams are just unbelievable,and there’s not much being done about that either. It will take a concerted effort by the state, the Bar Association, and law enforcement to get the situation under control, but too many are making too much money with the the status quo to have much hope of change.
You are a teller of truth! Thanks!!