This Florida law is forcing thousands of homeowners and business owners to pay higher prices for their property insurance – driving up expenses for both Floridians who own their homes and those who rent their homes, as landlords pass on higher insurance costs. At the same time as it helps insurance companies raise rates, the law also allows insurance companies to sell lower-quality insurance and protects companies that unfairly delay or deny legitimate claims. And it has provided enormous taxpayer subsidies to the insurance industry – without any corresponding rate relief for Floridians.