The 2026 Outlook: Is the Florida Property Insurance Market Finally Stabilizing?
Following the landmark 2022-2023 reforms that curtailed one-way attorney fees and assignment of benefits (AOB), 2026 is seeing the intended results.
With dozens of insurers filing for rate decreases and the Citizens depopulation effort in full swing, the focus of ADR has shifted from volume litigation to the resolution of complex, high-value claims.
Where the Market Stands
The Florida property insurance landscape has changed dramatically since the legislative reforms. The volume of first-party claims litigation has dropped substantially. Several major carriers have re-entered the market. Citizens Property Insurance is actively depopulating to private carriers.
What This Means for ADR
The shift has not eliminated property disputes, it has concentrated them. The cases reaching mediation today are typically larger, more complex, and involve more sophisticated coverage questions than the pre-reform volume practice. The neutral’s subject-matter knowledge matters more than ever.
The Cases We Are Seeing
Disputed hurricane claims involving causation and concurrent peril disputes. High-value commercial property losses where business interruption exposure dwarfs the physical damage. Coverage disputes involving complex policy endorsements and the new statutory presumptions. AOB disputes that survived the legislative changes.
Preparing for the New Environment
Carriers and policyholder counsel both need neutrals who understand the post-reform statutory framework. The procedural shortcuts that defined the old volume practice no longer work. Successful mediation today requires substantive engagement with the policy, the loss, and the law.
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