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Florida’s share of homeowners lawsuits falls after litigation reforms
Florida’s Office of Insurance Regulation said personal residential lawsuit filings declined 23% in 2024 and 25% in 2025, with defense and containment costs per claim dropping from $947.4 in 2022 to $720 in 2025.
Florida’s share of nationwide homeowners insurance lawsuits fell from 79% in 2020 to 41% in 2025, according to Insurance Business citing the Florida Office of Insurance Regulation, in its July 2026 Property Insurance Stability Report.
Over the same period, the state’s share of national homeowners claims dropped from roughly 9% to under 5%. The report attributed the shift to litigation reforms passed by the Florida Legislature in 2022 and 2023, and it also found personal residential lawsuit filings against property insurers fell 23% in 2024 and 25% in 2025.
The OIR said average defense cost and containment expenses per claim declined from $947.4 in 2022 to $720 in 2025. Of 456,200 claims closed in 2025, 53,413 were litigated, a rate of about 12%, and litigated claims had average loss adjustment expenses of $15,257 versus $2,044 for non-litigated claims.
Insurance Business also highlighted comments from Lisa Miller, a former Florida deputy insurance commissioner, who said the 2023 repeal of one-way attorney fee statutes reduced incentives to sue. The OIR reported a 30-day average rate request for homeowners policies of -6.9% as of the July report, and noted that average homeowners premiums with wind coverage fell in 51 of 67 counties, with the statewide average at $3,757.