08/31/2026
The Florida legislature passed laws in 2023 that changed the way property insurance works there. Three years since the laws went into effect, some homeowners, lawyers and insurance company insiders say the reforms created a new set of predicaments.
It’s a strain that’s spreading, according to Carolyn Kousky, a member of the Coalition for an Insurable Future, a nonpartisan group working to mitigate the insurance market collapse in the U.S.
“There is a tension between availability of insurance and affordability of insurance,” Kousky says. “Climate changes are making insurance ever more necessary because, as the planet warms, more people are having to suffer through disaster.
Unfortunately, those same trends are also making insurance harder to provide, making it less available and more expensive at the moment we need it more than ever.”
The laws are changing how insurance disputes play out in Florida. Their effects are only beginning to impact homeowners now as claims slowly snake their way through the legal system.
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