July 22, 2026, Florida Politics – “The legislative reforms, among other things, eliminated the guaranteed one-way attorney fees for plaintiffs that provided a gross incentive to sue, with fees in some cases that were five or six times greater than the claim amount itself. We’ve all been paying for the excessive and often frivolous litigation that resulted,” said Lisa Miller, a former Florida Deputy Insurance Commissioner who is a recognized disaster insurance and recovery expert and consultant. “I applaud the legislature and the Governor for protecting Florida consumers’ interests and helping ensure a stable property insurance marketplace.” (Original story location: https://floridapolitics.com/archives/808936-florida-property-insurance-claims-and-lawsuits-drop-dramatically-in-2025/)
Property insurance lawsuits in Florida dropped dramatically last year, reaching their lowest numbers in the past decade.
The Office of Insurance Regulation (OIR) published its semiannual Property Insurance Stability Report showing the number of property insurance claims in the state fell sharply in 2025. Only 4.85% of homeowner property insurance claims across the nation last year were from Florida.
That’s the lowest figure in the past 10 years for Florida. It’s also a sharp drop from 2024, when the Sunshine State accounted for 12.33% of national claims.
Florida still accounts for a notable percentage of homeowner lawsuits over insurance claims, accounting for 41.29% of those court challenges last year. But that’s down from the 2024 figure of 73.15%. And the 2025 figure is the lowest percentage for Florida in a decade.
OIR officials are crediting Florida’s legislative action to reduce litigation surrounding insurance claims in the state for the reduction in claims and litigation. State lawmakers approved insurance tort reform measures in 2023 and changed regulations for property damage insurance claims and ensuing lawsuits.
“The legislative reforms, among other things, eliminated the guaranteed one-way attorney fees for plaintiffs that provided a gross incentive to sue, with fees in some cases that were five or six times greater than the claim amount itself. We’ve all been paying for the excessive and often frivolous litigation that resulted,” said Lisa Miller, a former Florida Deputy Insurance Commissioner who is a recognized disaster insurance and recovery expert and consultant.
“I applaud the legislature and the Governor for protecting Florida consumers’ interests and helping ensure a stable property insurance marketplace.”
Since the legislation was signed by Gov. Ron DeSantis, 44 insurance companies have requested rate decreases in Florida.
The peak of insurance claims in the past decade in Florida was in 2017, when the state accounted for 16.47% of homeowner property insurance claims in America. That same year, Florida accounted for 68.07% of homeowner lawsuits across the country.
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