Alot of people wonder why insurance rates are so high in Florida and the answer is easy, INSURANCE FRAUD. Florida is one of the highest states in the country for fraud and staged claims. The number of fraudulent pain clinics, water mitigation companies, public adjusters just from my own experience is rampant in Florida. Every fake insurance claim raises our individual rates since insurance is the law of large numbers where one person can have ramifications on us all. So if yourself or someone else you know is filing an insurance claim be sure to be accurate ethical and honest with your claim.