The Brief In 2022, Florida made it harder to sue home insurance companies and offered those companies additional state-backed reinsurance. Florida’s insurance commissioner disagrees, saying more insurance companies are doing business in Florida. As Florida's homeowners dispute insurance denials from last year's hurricanes, state reforms intended to improve service and bring down our bills are coming under scrutiny. Before this passed, some lawmakers doubted subsidies for the insurance companies and making it harder for consumers to sue them would help consumers. Trump claimed Florida's insurance commissioner did nothing, while Floridians' lives were ruined.