The following is an opinion piece authored by Harold Kim, executive vice president of the U.S. Chamber Institute for Legal Reform. 

Florida consumers are used to paying higher insurance premiums in the wake of devastating hurricanes. But an entirely preventable, human-driven phenomenon is now driving rates even higher: Assignment-of-benefits (AOB) claims, in which home-improvement contractors and other vendors submit inflated bills to insurers with the help of fee-motivated lawyers.

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