This video breaks down Florida's ongoing insurance crisis, focusing on how years of excessive litigation, fraud, and natural disasters caused a collapse in the property insurance market. Host Jared interviews Mark Friedlander from the Insurance Information Institute to explain how legislative reforms passed in 2022–2023 are improving the market by curbing legal abuse and encouraging new insurers to enter the state. While rates are still high, the market is stabilizing with more competition and depopulation of Citizens Insurance. Viewers are encouraged to regularly review their coverage and consider flood insurance, regardless of location.