There are many examples of how the adversarial claims environment in Florida has restricted insurance. Limit caps on nonweather-related water damage claims and plumbing claims, for example, dictate who makes repairs and include exclusionary language that bars homeowners from presenting claims that historically have been afforded coverage. (Credit: Shutterstock) There are many examples of how the adversarial claims environment in Florida has restricted insurance. Limit caps on nonweather-related water damage claims and plumbing claims, for example, dictate who makes repairs and include exclusionary language that bars homeowners from presenting claims that historically have been afforded coverage. (Credit: Shutterstock)

The property insurance consumer marketplace in Florida is in a difficult regulatory and legal environment. The Florida Department of Insurance has the complicated task of providing consumer protection while balancing the needs of insurance carriers on one side, and public adjusters and plaintiffs attorneys on another.

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