New state laws make it harder to sue insurance companies for denied claims, and the inflation that increased rebuilding costs has cooled.

TALLAHASSEE — Florida regulators issued subpoenas to a Palm Beach Gardens-based ratings agency last month to force it to justify its “dire predictions” for the state’s insurance market. Weiss Ratings founder Martin Weiss wrote in October that homeowners insurers are “on the brink of a collapse” and that homeowners are at a “high risk” of not being paid for their claims related to hurricanes Helene and Milton.