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I'm sure it's a mix of both. Yes, there's a ton of home insurance lawsuits here, and yes, the amount of fraud here is mind-boggling.

However, the rapid rise in sea level and the fact that the state legislature is bound by law to not discuss it at all is also a factor. South Florida's coasts will be uninhabitable within 50 years, and if I'm an insurer, that's also on my mind.

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Incorrect. Florida is currently undergoing a massive effort to identify resiliency options across the state. There are lots of efforts in the state at the city, county, and state level to address this.

Source?

Also, the efforts that I've seen are sub-par at best. Miami wants to build barrier islands that are a few feet above sea level in order to create a basin-type barrier around Brickell (the financial district where Ken Griffin is building a tower). Those are still in the early stages of bureaucratic hell and won't likely be built until it's way too late.

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