According to the Wall Steet Journal, Florida home construction won’t be the only thing tested if a big hurricane strikes the state this year. Florida’s homeowners-insurance market will be tested, too.

Florida has been a laboratory of experiments in recent years in ways to keep insurance affordable even as private-sector insurers have continued to reduce the number of homeowners’ policies they sell there. As the most threatening part of the hurricane season nears, the results of Florida’s trials could soon be in—and criticism is mounting.

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