By The Restoration HQ desk · · filed under Coverage Law
Florida claims lawsuits down to ~half of 2020 levels, reform is "working"
New data shows Florida's share of US homeowners claims lawsuits has fallen to roughly half its 2020 peak, credited to the state's AOB and litigation-reform laws.
FORLess litigation means a healthier market and carriers willing to write again, which is good for everyone if it comes with fair claim handling.
AGAINST"Fewer lawsuits" isn't the same as "fair claims." Strip contractors and homeowners of AOB and the ability to sue, and of course litigation drops, that's the point, not a side effect. Watch this data get exported to your state.
Consensus vs. contrarianConsensus (carrier side): reform fixed Florida. Contrarian worth owning: the drop measures access to remedy removed, not disputes resolved, the underpayment didn't vanish, the ability to fight it did. That's the case to make before your state copies the Florida playbook.
Sources Insurance Journal, www.insurancejournal.com/news/southeast/2026… Claims Journal, www.claimsjournal.com/news/national/2026/07/… (/23)
Terms in this story: AOB (Assignment of Benefits)