There is an interesting article in the Wall Street Journal that discusses the recent surge in sink hole insurance claims.  The spike comes after adjusters have encouraged homeowners to file claims by handing out filers and going door-to-door.  However, many of the claims are frivolous.  And worse — if claims are paid, adjusters usually take a 20% share, which encourages frivolous claims and drives up homeowners insurance premiums in the state.  Its no wonder that Florida has the highest homeonwers insurance rates in the country.