Floridians for Lawsuit Reform has announced that Florida’s property insurance market is experiencing strengthening trends as reforms shift policies from the state’s insurer of last resort to private carriers, reduce litigation by approximately 30%, and expand capacity. This announcement was made on X.
Florida’s property insurance market has historically been considered an outlier, with the state once accounting for roughly three-quarters of all U.S. homeowners’ insurance lawsuits despite representing only a small share of national policies. In response, lawmakers led by Governor Ron DeSantis and the Republican majority enacted a series of reforms in 2022 and 2023 targeting one-way attorney fees, assignment-of-benefits abuses, and incentives for mass litigation. These changes are credited by reinsurers and market analysts with driving a sharp decline in new suits and easing pressure on carriers. The reforms, along with efforts to reduce reliance on Citizens Property Insurance Corp., are cited as underpinning the strengthening trends highlighted by regulators.
According to state and industry data, there have been notable shifts since Florida’s reform measures took effect. Citizens and other insurers reported that lawsuits against property carriers fell about 23.8% in 2024 to roughly 57,120, down from nearly 75,000 the previous year. Broader analyses from the Consumer Protection Coalition and Gallagher Re estimate an overall reduction of close to 30% compared with pre-reform levels, bringing case counts near 2019 figures. Defense and cost-containment expenses for domestic property insurers have also dropped to their lowest share of premiums in almost a decade, with several companies beginning to file for flat or reduced rates, indicating improved market stability as litigation volumes decline.
The announcement emphasized private carriers absorbing policies from Citizens Property Insurance Corp., signaling a clear shift in risk away from taxpayers. Citizens peaked at about 1.41 million policies in late 2023 but have since decreased by roughly 40%, with mid-2025 levels around the 700,000 range and recent counts near 439,000—the lowest since 2019. Depopulation efforts have cut Citizens’ exposure by about 43% in a year, returning approximately $214.5 billion of risk to the private market in 2024 and tens of billions more in 2025. More than 350,000 policies have already moved off Citizens this year.
Floridians for Lawsuit Reform is a Florida-based advocacy group focused on advancing lawsuit reform and addressing what it describes as abuses in the state’s civil justice system. Its materials indicate that the organization works to highlight how frivolous suits, excessive attorney fees, and roofing or claims fraud contribute to higher homeowners’ insurance costs. The group promotes policy changes aimed at lowering systemic legal expenses while preserving legitimate access to the courts.
