First, you cannot talk about this issue without talking about the 2017 Florida State Supreme Court case Joyce v. National Federated [1]. Basically, this made it much easier for policyholder plaintiffs to recover costs in insurance litigation, sometimes punitively so. If a court deems a case to have been likely to succeed from the outset, it can award up to 2.5 lodestar costs for attorney fees.
This is well-intentioned. It should encourage insurers to settle rather than go to court but it had the opposite effect because of how rife Flroida is for roofing scams and insurance fraud [2]. Basically, dodgy companies would offer to inspect your roof, find a fault and then file a claim to replace the roof. Nothing was really done to curb this fraud and, because of Joyce, it was unprofitable to fight these cases.
This compounds to Florida accounting for 76% of homeowner's insurance lawsuits but only boasts 9% of claims [3].
Third, the current Florida government has shown no interest in actually tackling this problem. One bill in recent years simply gave insurers $1 billion [4] for really nothing in return.
Fourth, a lot of issues are mistakenly attributed to climate change. Take the coastal erosion in Cape Cod [5]. People like to say "climate change" (to be clear, I 100% believe in man-made climate change) but really it's just a longstanding trend of coastal erosion that probably has almost nothing to do with climate change.
[1]: https://www.propertyinsurancecoveragelaw.com/blog/court-reaf...
[2]: https://www.nbcnews.com/news/us-news/roofing-scams-florida-p...
[3]: https://www.roofingcontractor.com/articles/97786-what-you-sh...
[4]: https://floridaphoenix.com/2022/12/16/desantis-signs-billion...
[5]: https://www.independent.co.uk/climate-change/news/cape-cod-h...