@BobKamman It has been widely reported that the only way to get settlement proceeds from an insurance company in Florida is to bring suit. 

AI gave this:

In 2020, 79% of homeowners insurance lawsuits nationwide were filed in Florida, even though the state only accounted for 9% of the nation's homeowners insurance claims. This indicates a disproportionately high number of lawsuits relative to the number of claims, suggesting that a significant portion of Florida homeowners may need to sue to get money from their insurance companies.