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Critics say lawyers are after easy money, pandering to baby boomers feeling guilty about putting Mom and Dad in a home, while patient advocates say conditions in many homes are deteriorating. The cost of liability insurance policies for nursing homes in Florida and other states is skyrocketing, driven, insurers say, by an increasing number of lawsuits. Many insurers have stopped writing such policies. Others are canceling existing coverage. There's a reason for growth in this area of litigation, '' says Alexander Clem, an attorney.