In Florida, non-weather related claims are rising, driven by an unscrupulous practice known as Assignment of Benefits. Water restoration and roofing contractors go door to door, offer free inspections to unsuspecting homeowners, then convincing the homeowner to sign the policy rights over to them. In most cases, the homeowner never inspects the property yet is forced to pay inflated claims after the contractor as already completed the repair. For a good article on this topic by Steve Pociask at Forbes, click the link below:
http://www.forbes.com/sites/stevepociask/2015/12/29/fraud-pushing-up-premiums-in-florida/