Lisa Miller & Associates®

Hurricane Isaias brings 46,000+ Florida insurance claims at $582M so far as storm chasers & scammers return, the new images of damage, the disparity in workers' comp claims, plus mosquitos to the rescue! b.link/rmzhzz64 #florida #isaias #propertyinsurance #claims #consumers #flooding #hurricanes #fraud #scams #damage #roofing #construction #disasterrecovery #disastermanagement #catastrophe #restoration #insuranceregulation #reinsurance #drones #adjusters #insuranceclaims #resilience #stormsurge #winddamage #workerscompensation #workplace #insurancelitigation #ballotinitiative #voting #amendment3 #mosquitos #insurancecoverage #insurancelaw #mosquitocontrol #DengueFever #RabbitFever @GovGoneWild @JimmyPatronis @VeriskInsurance @GallagherRe_ @fema @FLOIR_comm @FLACommerce @FLSERT @FLDFS @Publix @WalmartNews @FDOT_Secretary

As power is gradually restored and despite a threat of still more flooding, the focus is now on recovery in Florida after Hurricane Isaias - with caution. b.link/czircooq #florida #Isaias #disastermanagement #stormsurge #hurricanes #disasterpreparedness #evacuation #flooding #flashflood #shelter #insurance #propertyinsurance #resilience #disasterrecovery @FLSERT @GovGoneWild @FLDFS

With Hurricane Isaias expected to make landfall tonight, forecasters and emergency managers are warning that the bigger peril may lay in its tail: a potentially 300-mile-long trailing band of danger over 2 days. b.link/oi1goc5m #florida #Isaias #disastermanagement #stormsurge #hurricanes #disasterpreparedness #evacuation #flooding #flashflood #shelter #insurance #propertyinsurance #resilience @FLSERT @NHC_Atlantic @GovGoneWild @FLDFS

Although Hurricane Isaias will reach Cat 2 by tomorrow night’s landfall, it’s the rising potential for flash flooding from powerful trailing rain bands and spin-off tornadoes that are most concerning. b.link/sq6k2yax #florida #Isaias #disastermanagement #stormsurge #hurricanes #disasterpreparedness #evacuation #flooding #flashflood #shelter #insurance #propertyinsurance #resilience @FLSERT @NHC_Atlantic

Florida is preparing for Isaias to become a hurricane Thursday morning with its track close enough to bring big trouble for the Panhandle, almost two years to the day that Hurricane Milton struck. b.link/0krhlt7f #florida #Isaias #disastermanagement #stormsurge #hurricanes #disasterpreparedness #evacuation #flooding #flashflood #shelter #insurance #propertyinsurance #resilience @FLSERT @NHC_Atlantic

Needed perspective on news reporting as Florida regulators prepare a new batch of homeowners rate cuts of up to 19%, the new 'Super El Niño' warning, Florida fraudsters, plus the hidden dangers of remote work. b.link/1ccnwvwj #florida #propertyinsurance #consumers #insurancerates #hurricanerisk #insurancelitigation #insuranceregulation #ElNiño #insuranceregulation #mediation #tortreform #reinsurance #fraud #insurancefraud #roofing #restoration #crops #agriculture #ballotinitiative #voting #remotework #lonliness #isolation #mentalhealth #workplace #coronavirus #COVID #depression #lifelessons @FLOIR_comm @_Demotech @GallagherRe_ @citizens_fla @citizensflanews

As Florida insurance regulators update the windstorm mitigation credits for residents who storm-harden their homes, there’s still a need to recognize & incentivize stronger roofs that can generate greater policy discounts. linkedin.com/pulse/call-impr… #Florida #PropertyInsurance #Mitigation #HomeInspection #FORTIFIED #FORTIFEDstandard #Resilience #Roofing #Underlayment #Waterproofing #PublicPolicy #BuildingCodes #Construction #Disaster #DisasterRecovery #InsurancePremiums #InsuranceDiscounts #InsuranceCredits #AsphaltShingles #SealedRoofDeck #BuildingEnvelope #InsuranceRegulation #consumer #claimsmanagement #podcast @PolyglassUSA @IBHS_org @FORTIFIEDHOME @TexasTDI

The differing property insurance plans of Byron Donalds and David Jolly, the new ‘Carfax for condos’ rating system for Florida, the $3B in litigation reform savings, plus a hurricane's final discovery. b.link/j7f6j15y #florida #propertyinsurance #governor #insurancerates #condominiums #buildinginspection #buildingsafety #tortreform #insurancelitigation #hurricanes #hurricanerisk #insuranceregulation #buildingenvelope #buildingmaterials #buildingperformance #roofing #claimsmanagement #flooding #buildingcode #disastermanagement #resilience #windmitigation #construction #disasterrecovery #safehomes #FEMA #NFIP #NAIC #floodinsurance #riskrating2.0 #engineering #floodrisk #floodprevention #floodmitigation #floodmanagement #disasterhousing #leadership #podcast #hurricanehelene #victims @JeffreyBrandes @PolyglassUSA @IBHS_org @FORTIFIEDHOME @FLOIR_comm @JeffreyBrandes @citizens_fla @naic @fema @TeamAPCIA @Scripps_Ocean

The pressing call to improve Florida’s wind mitigation home inspections to recognize & incentivize stronger roofs and greater insurance policy discounts. Listen/Read: b.link/44mvexux with Darius Grimes of Disaster-Smart Consulting and James "Jimmy" Akins of @PolyglassUSA #Florida #PropertyInsurance #Mitigation #HomeInspection #FORTIFIED #FORTIFEDstandard #Resilience #Roofing #Underlayment #Waterproofing #PublicPolicy #BuildingCodes #Construction #Disaster #DisasterRecovery #InsurancePremiums #InsuranceDiscounts #InsuranceCredits #AsphaltShingles #SealedRoofDeck #BuildingEnvelope #InsuranceRegulation #consumer #claimsmanagement #podcast @IBHS_org @FORTIFIEDHOME @TexasTDI

Florida's Building Code shows measurable results as a new 'resilience accelerator' forms, nuclear verdicts increase in Fla. & the U.S., plus a tribute to Kevin Guthrie and partnerships making a difference! b.link/wx53xd6x #florida #buildingcode #disastermanagement #propertyinsurance #resilience #windmitigation #construction #buildingmaterials #disasterrecovery #buildingperformance #safehomes #hurricanes #insurancelitigation #tortreform #workerscompensation #workerscompensationinsurance #surpluslines #insuranceregulation #AI #claimsmanagement #flooding #FEMA #NFIP #NAIC #floodinsurance #riskrating2.0 #engineering #floodrisk #floodprevention #floodmitigation #floodmanagement #disasterhousing #leadership #partnership #publicsafety #emergencymanagement #jobs @citizens_fla @NCCI @naic @FEMA @EmergencyRv @FLSERT @KevinGuthrieFL @FloodsOrg @FLOIR_comm @FLDFS

3,000 Florida condominium building inspections went undone amid evacuations, concerns on insurance claims mediation rule changes, how to incorporate artificial intelligence into emergency management, plus Miami's coastline going 'supertall' with a kink! b.link/3ezdyv2j #florida #condominium #surfsidecollapse #buildingsafety #buildinginspection #propertyinsurance #claimsmanagement #FloridaLegislature #insuranceregulation #mediation #consumers #insurancerates #homeownersinsurance #insurancepremiums #NAIC #FEMA #disastermanagement #hurricanes #NOAA #artificialintelligence #emergencymanagement #construction #skyscraper #disasterrecovery #homesales #foreclosures #economy #inflation #affordability #climaterisk #consumersentiment @fema @FLOIR_comm @FLDFS @naic @FEMA_Cam @AmeriCorps @RANDCorporation

Florida insurance regulators redefining 'disproportionate' claims handling complaints, a call to include the mangroves in federal flood insurance risk & pricing, the $5.6 million elevator verdict, plus the power of collaboration! b.link/cm2w82kh #florida #propertyinsurance #disasterrecovery #insuranceagents #flooding #resilience #mitigation #risk #claimsmanagement #stormsurge #sealevelrise #coastalprotection #floodcontrol #erosion #NFIP #FEMA #floodinsurance #stagedaccidents #accidents #autoinsurance #arbitration #insurancelitigation #plumbing #collaboration #lifelessons #greensolutions #artificialintelligence #AI #workforce @fema @FLOIR_comm @FLDFS @EnvDefenseFund @EDF_Florida @Gartner_inc @LAAIA_National

The startling reversal in Florida property insurance lawsuits, Florida's big FEMA windfall, regulators change course on wind mitigation inspection reporting, plus the tale of the unclaimed veterans: b.link/e5jezyb9 #florida #propertyinsurance #insurancelitigation #FEMA #disastermanagement #mitigation #insuranceregulation #tortreform #weatherforecasting #hurricanes #claimsmanagement #claimscomplaints #Congress #FEMAAct #disasterrecovery #workerscompensation #workerscompensationinsurance #workplaceshootings #assignmentofbenefits #daylightsaving #clock #veterans #honor #funeral #communityservice #unclaimedveterans @fema @FLOIR_comm @FLSERT @WCraigFugate @KelleyKronLaw @KelleyKronenLaw

Surfside condo building vulnerable from its original construction, Florida homeowners insurance premiums on third-year slide excepting inflation, plus the dust that's clogging the hurricane machine. b.link/3j598nmf #florida #surfsidecollapse #condominiums #buildinginspection #propertyinsurance #insuranceregulation #insurancerates #insurancepremiums #buildingmaterials #buildingperformance #buildingsafety #disasterrecovery #FEMA #hurricanes #budget #Floridalegislature #Ebike #electricbicycle #resilience #mitigation #lightning #mediation #insurancelitigation #claimsmanagement #tortreform #thirdpartylitigationfunding #disastermanagement #hurricanemodel #AI #Saharandust #ocean #datacollection #flooding #elevation #contractors #construction #democracy #republic @fema @FLOIR_comm @FLSERT

Florida's legislatively-created 'insurer of last resort' has successfully returned to that status with historic lows in policy count, lower litigation, reinsurance, and now rates - deemed ‘Good news for consumers.’ Click b.link/9thv36dr #florida #propertyinsurance #homeownersinsurance #insurancelitigation #insurancerates #tortreform #inuranceregulation #alternativedisputeresolution #AssignmentofBenefits #attorneyfees #mediation #reform #Floridalegislature #policy @citizens_fla @TimCerio @FLOIR_comm @FLDFS @GovGoneWild @citizensflanews

Florida's new rule on property insurance complaints, the billion dollars returning to Florida policyholders, the state's HUGE stockpile of supplies for hurricane season, plus the unicycle granny from FSU! b.link/xiiz99do #florida #propertyinsurance #insuranceregulation #autoinsurance #disastermanagement #disasterfunding #disasterrecovery #FEMA #hurricanes #storms #insurancelitigation #insurancerates #earthquakes #drought #wildfires #windmitigation #resilience #mitigation #AI #voirdire #unicycle #circus #inspiration @FLDFS @KevinGuthrieFL @FLOIR_comm @FLSERT @GallagherRe_ @TimCerio @citizens_fla @FSUCircusAlumni @FloridaState

While increasingly hostile weather has played a role in ballooning annual catastrophe losses that now average $132 billion globally, it’s actually non-hazard factors that are the true drivers of rising property insurance costs. linkedin.com/pulse/weather-i… #propertyinsurance #InsuranceLosses #Catastrophes #Storms #DisasterRecovery #SevereConvectiveStorms #Florida #asphaltshingles #roofing #OilPrices #ConstructionCosts #insuranceregulation #insurancelitigation #insuranceclaim #hazards #HousingGrowth #Urbanization #metalroof #socialinflation #buildingcodes #ReplacementCost #Climate #consumer #consumereducation #agents #claimsmanagement #podcast @JeffreyBrandes #FloridaPolicyProject @IBHS_org @LAInsuranceDept

Thank you to everyone who joined us for this important discussion with @FLSERT on the evolving disaster funding landscape and the future of disaster recovery financing. I especially appreciated the opportunity to highlight the growing role of parametric insurance as a powerful risk transfer tool. As communities face increasing disaster costs, funding delays, and uncertainty surrounding federal disaster assistance, innovative solutions are becoming more important than ever. Parametric insurance offers a unique approach by providing rapid payouts based on measurable event triggers. It is an entirely different approach from the traditional insurance claims process. This can help state and local governments, critical infrastructure providers, businesses, and nonprofit organizations access funding when they need it most - immediately after a disaster. As disaster recovery professionals, we must continue exploring every available tool to strengthen financial resilience, close funding gaps, and accelerate recovery for the communities we serve. Thank you to Adam Schwebach of @GallagherRe_ and all of the participants for a thoughtful conversation about where disaster recovery funding is headed and how we can better prepare for the challenges ahead.