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While Florida hurricanes are not unusual, this storm created claims complexities because of new statutory reforms, homeowners without flood insurance, and supply chain and worker shortages.

While defamation lawsuits relating to allegations of sexual assault are still filed, the look-back windows for time-barred claims have created ambiguous areas of coverage for some insured.

"For a verdict to be 10 times the policy limits, that is just completely unacceptable," said Pansini Law Group managing partner Michael Pansini.

On the trial's third day, the plaintiff's lawyer made a discovery that 'flipped the case' and led the defendant to settle for 250% of its $1M policy.

Backers said it would lower insurance rates and improve business outcomes for small trucking companies. Opponents said it would deny plaintiffs valid procedural claims.

In 2012, a trial court found that Nationwide had to indemnify defendant Jeffrey S. Pasiak, according to the opinion, but the Appellate Court reversed the judgment.

Floridians pay some of the highest insurance premiums in the country and it is one of the most fraud-prone states in the nation.

Rate increases, access and capacity will vary significantly from industry to industry and region to region.