One insurance agent I know said much of it came from requiring legal fees be reimbursed, so lawyers where helping people go after insurance for even minor claim

One insurance agent I know said much of it came from requiring legal fees be reimbursed, so lawyers where helping people go after insurance for even minor claims while racking up large legals fees to do so that insurance has to pay for. There was a lot of people getting new roofs for very minor damage and roofers going around trying to facilitate the process.