Now that the elections are behind us, it is time for the Legislature to address the fraud that has increasingly pushed homeowner insurance rates higher each year. Florida is the nation’s top “judicial hellhole,” according to the American Tort Reform Foundation, and Assignment of Benefits (AOB) abuse is playing a big role in the dysfunction.

For Floridians, personal sound amplification devices can boost sound that is too faint for most of us to hear. It can be used by consumers who want to temporarily heighten their hearing, including the use of headphones and equipment used to modestly boost the sound on telephones, listening devices and other audio amplification, and even to aid birdwatchers.