Florida lawmakers must have entered the 2010 session with a sense of d?j? vu: Just like last year, they are confronted with a looming budget deficit, the state's high unemployment rate, and a sluggish economy.

Those in the insurance industry are worried about the future, too. Even though the state has not been hit with hurricanes the last four years, other factors continue to squeeze the bottom line of many carriers and agencies.

The big difference this year is that economic realities may collide with election year politics in a significant fashion. While there will be legislation tackling such thorny issues as public adjusters, insurance rates and wind mitigation credits, the question remains how far legislators will be willing to go this session in addressing controversial topics.

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