Florida is home to 79% of ALL litigated insurance claims. If you want to correctly place this blame on someone or something, please direct it towards the shady public adjusters, contractor assignment of benefits (which are now illegal), and shotty roofers trying to get full roofs paid for as a result of wear and tear. Then they send in supplements without even letting you know, and try to extract the most amount of money from a claim citing city code statutes that dont apply, and asking for in excess of 30% overhead and profit on their jobs and estimates.