Look, you're blaming the homeowner again. They may "claim" water damage, but what if there IS water damage. We already talked about how insurance companies are losing their fights in court. That tells me they insured a property, and then there was an ACTUAL loss, provable in court, and they didn't want to pay.

If this is all just fraud, which happens in all states, it should be easy enough for the legislature and insurance companies to crack down on. But I'm not seeing evidence that that is the case. It's looking more and more like a message being spread to divert attention from the reality that risk of property damage and financial loss is statistically increasing in Florida.