Florida’s home insurance market has been in crisis for years, and recent tort reform aims to reduce claims costs by putting an end to frivolous lawsuits, a welcome development in a state where insurers have spent $51 billion over 10 years against a torrent of litigation.

To put it another way, 79 percent of all home insurance litigation in the U.S. stems from Florida despite the state only accounting for 9 percent of all home insurance claims, according to a Triple I analysis of Florida Office of Insurance Regulation and National Association of Insurance Commissioners data.