Floridians for Lawsuit Reform announced that Florida’s legal reforms have reduced abusive litigation, but upcoming proposals could reinstate one-way attorney fees, expand damages, and broaden liability, potentially increasing premiums and court workloads.
According to Floridians for Lawsuit Reform, progress has been made in Florida’s legal system following reforms in 2022 and 2023 aimed at curbing abusive litigation and stabilizing the market. The group notes that the 2026 legislative session brings proposals that could reverse these gains by reviving one-way attorney fees, expanding damages, and increasing liability for businesses and entities. Such changes could result in higher premiums, limited coverage options, and an increase in court cases, challenging the state’s current balanced approach.
The organization highlights that Florida’s insurance reforms have led to a significant decrease in personal insurance litigation filings—23 percent from 2023 to 2024 and a further 25 percent reduction in 2025. Despite accounting for only 7 percent of claims nationwide, Florida was responsible for 76 percent of homeowners’ insurance claims litigation in 2019. Since November 2025, insurers have filed numerous rate decreases and no-increase requests, with major providers reducing rates by 5 to 8 percent.
In a broader context, the U.S. tort system costs reached $529 billion in 2022, equating to over $4,200 per household. These expenses represent approximately 2 percent of the gross domestic product (GDP) and grew at an average annual rate of 7.1 percent from 2016 to 2022, surpassing inflation rates. Such costs are said to impact economic growth and affordability across the nation.
Floridians for Lawsuit Reform is a nonprofit organization classified as a 501(c)4 entity formed by residents of Florida with the aim of pursuing lawsuit reform. The group focuses on raising awareness about abuses within the civil justice system while advocating for policies that promote fairness and economic opportunity. It engages in education and advocacy efforts to support a balanced legal framework within the state.
