TALLAHASSEE, Fla. — For years, insurance companies and state lawmakers have blamed lawsuits for driving homeowner insurance premiums in Florida to the highest in the nation. A new long-awaited study commissioned by the Legislature supports that — somewhat. An analysis of 58,395 insurance claims that led to lawsuits in 2022 found that a disproportionate number were filed in Miami-Dade, Broward and Palm Beach counties, an indication of potentially fraudulent or abusive practices there. And those litigated claims were more than six times more expensive than claims that did not lead to a lawsuit, …