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NewsFlorida PoliticsJuly 22, 2026Florida

Florida Property Insurance Claims and Lawsuits Drop in 2025

A new report from the Florida Office of Insurance Regulation shows a significant decline in property insurance claims and lawsuits in 2025 compared to previous years. Officials attribute this trend to legislative reforms passed in 2023 aimed at reducing insurance-related litigation.

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Read the full story at Florida Politics

Why It Matters

The reduction in insurance litigation has led 44 insurance companies to request rate decreases, potentially impacting the cost of property insurance for Florida homeowners.

Key Facts

  • Florida's share of national homeowner property insurance claims fell to 4.85% in 2025, the lowest in a decade.
  • Florida's share of national homeowner insurance lawsuits dropped to 41.29% in 2025, down from 73.15% in 2024.
  • 44 insurance companies have requested rate decreases in Florida following the 2023 legislative reforms.
  • The 2023 legislative reforms eliminated guaranteed one-way attorney fees for plaintiffs in insurance cases.
  • In 2024, Florida accounted for 12.33% of national homeowner property insurance claims.
  • The peak of insurance claims in the past decade occurred in 2017, when Florida accounted for 16.47% of national claims and 68.07% of national lawsuits.

Who's Mentioned

organizationOffice of Insurance Regulation“The state agency that published the Property Insurance Stability Report.”personLisa Miller“Former Florida Deputy Insurance Commissioner and insurance consultant.”personRon DeSantis“Governor of Florida who signed the 2023 insurance reform legislation.”