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Florida lawmakers eye changes to property insurance in wake of soaring rates The bill would reduce the time to file a claim from three years to two. Â Â The Florida Legislature created state-run Citizens Property Insurance Corp. to serve property owners who couldn t find coverage elsewhere. Updated Apr. 28 TALLAHASSEE â In a scramble to stop Floridaâs soaring homeowners insurance rates, state lawmakers are close to passing a bill that would reduce the amount of time to file a claim and allow Citizens Property Insurance to raise its rates above 10 percent. The Florida House voted 74-43 on Wednesday on a bill that would reduce the time to file a property insurance claim from three years to two years and stop contractors and public adjusters from soliciting homeowners to file a claim. ....