It's what practically every homeowner across the Tampa Bay area is facing right now – home insurance premiums continuing to rise. Insurance companies and analysts believe frivolous lawsuits and fraud are part of what's been driving the cost for everyone. Lawmakers have passed reforms aiming to cut back on problem litigation, but some who file those suits say they have legitimate issues, including a Tampa woman who’s been without her home since Hurricane Ian hit last year. “If it wasn’t for my friends and family, I would be homeless,” said Barbara Glover, standing outside an empty lot in Tampa where her home used to be. MORE: https://www.wtsp.com/article/news/local/hillsboroughcounty/home-insurance-tampa-hurricane-ian/67-31e099f8-d54a-44f9-a15f-b68eecdacc17 ►Subscribe: https://on.wtsp.com/youtube ►Website: https://www.wtsp.com/ ►Facebook: https://facebook.com/10TampaBay ►Twitter: https://twitter.com/10TampaBay