The expectation of a Pasco County man who said a local medical clinic over-billed him was a prompt refund. But months later, he still hadn’t received his money.

Insurance leaders say that inflation has fueled the rising costs of coverage paid by Florida policyholders in recent years.

On top of the human tragedy they’re still inflicting, the Los Angeles wildfires are exposing a gap between what people thought their homes were worth and what they’ll actually get from insurance ...