Data shows that the state of Florida carries an overwhelming majority of residential property insurance litigation, but the problem facing legislators and regulators is what to do about it, according to insurance analyst Guy Fraker.

Fraker points out in a recent column that the National Association of Insurance Commissioners (NAIC) found that, as a single state, Florida is home to 81.25% of these legal cases compared to only 18.75% for the 49 other U.S. states, raising questions as to whether claims are “manufactured or manipulated.”

Ironically, Florida also hosts just 9% of unresolved court claims.