The Brief State lawmakers made it harder to sue insurance companies, to reduce frivolous lawsuits, and bring down insurance costs. The backstory:In 2022, as some companies failed and our home insurance bills skyrocketed, state leaders blamed it on lawsuits. Dig deeper:When legislators debated these reforms, they noted a lack of data regarding lawsuits against insurance companies. That statistic originated with former state insurance commissioner David Altmaier and an insurance group he led. Three years after the litigation reforms, state leaders cite a leveling off of rates (and in some cases a reduction in rates), as well as new property insurance companies entering the Florida market.