Lisa Miller and Associates

06/15/2026

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! https://b.link/xiiz99do Florida Division of Emergency Management Florida State University

Disaster Agility Required, New Rule on Counting Property Insurance Complaints, Rains Bringing Drought, Wildfire Relief, Florida Supreme Court AI Rule, Unicycle Granny, Lisa Miller Associates

06/08/2026

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. https://b.link/rfrr45eu Jeff Brandes Insurance Institute for Business & Home Safety - IBHS

Gallagher Re reports true cost drivers of natural catastrophe losses, as only 10% to 20% due to weather & climate factors, and 80% to 90% to non-hazard factors.

06/04/2026

Thank you to everyone who joined us for this important discussion with the Florida Division of Emergency Management 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 Gallagher Re 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.

💲 Exploring the Future of Disaster Funding at

Attendees joined Lisa Miller and Associates and Adam Schwebach for an insightful discussion on the evolving disaster funding landscape and what potential changes to FEMA could mean for states, local governments, and recovery partners.

From reimbursement challenges and emerging funding gaps to innovative insurance solutions, this session explored strategies to support faster recovery and strengthen the financial resilience of Florida communities. 💪🏼

06/01/2026

Florida's improving condo insurance market, prepping for today's start of hurricane season, the big hidden costs in severe storms, the '$2,000 Rule,' plus beware the real purpose of AI notetakers. Click https://b.link/sr0xwj6x
#$2000Rule Florida Division of Emergency Management American Integrity Insurance

05/26/2026

The weather isn't to blame for the growing cost of natural catastrophe losses that now average $132 billion a year globally and here in the U.S. and Florida. Gallagher Re discovered what is. Listen/Read: https://b.link/9oxp4z0a with Steve Bowen of Re and Ryan Hodges of Integrity Insurance Company Jeff Brandes Insurance Institute for Business & Home Safety - IBHS Department of Insurance Policy Project

05/18/2026

Florida's true homeowners insurance premium, how FEMA reforms may actually get ahead, why your federal flood insurance policy may go private market, the latest on the wildires, plus the father-son heroes! Click https://b.link/8c2klaq7
Insurance Institute for Business & Home Safety - IBHS Florida Forest Service Florida Division of Emergency Management Burgess Flood Hamilton Donelson Guthrie

Hurricanes & Policy Whirlwinds, Next Steps in FEMA’s ‘Significant Moment’, Big Federal Flood Insurance Changes, Wildfires Still Burn Despite Rain, Lisa Miller Associates, Father-Son Heroes

05/11/2026

New federal lending rules are expected to help Florida’s beleaguered condominium market by improving insurance affordability & the nearly 3,000 properties on the so-called mortgage blacklist. Listen/Read: https://b.link/t8069i15 with Danielle Blake of Miami Association of Realtors and Karen Collins of Property Casualty Insurance Association

Episode 63 – Easing Insurance Requirements on Mortgages April 24, 2026 SHARE THIS Subscribe: Email RSS iTunes Android Youtube Music Spotify Pandora Amazon Audible New guidance from Fannie Mae and Freddie Mac is reshaping the intersection of mortgage lending and property insurance − introducing g...

05/04/2026

Florida wildfires intensifying under drought, insurance commissioner questioning carriers on AI use, new ideas on enabling more storm home-hardening, plus the three clowns busted in the bear suit! Click https://b.link/54t7of6j
Jeff Brandes Miami Association of Realtors Florida Forest Service Wilton Simpson Insurance Institute for Business & Home Safety - IBHS Insurance Commissioner Ricardo Lara Georgia Department of Insurance

Affordable Housing, Drought, Wildfires Intensify, 2025 a Turnaround Year in Florida Property Insurance, Florida Storm Mitigation, Georgia Insurance Reform, ‘Unbearable’ Fraud, Lisa Miller Associates

04/27/2026

New federal mortgage guidance on insurance coverage for roofs and condominium master policies is expected to help housing affordability and insurance availability in Florida and nationwide. Listen/Read: https://b.link/t8069i15 with Danielle Blake of Association of Realtors and Karen Collins of Property Casualty Insurance Association

04/13/2026

Are Florida's property insurance rates going up or down; a 'somewhat below-average' hurricane season expected; the shyster, the gambler, and the fools; plus Florida's killer drones! Click https://b.link/aqyueypo
Independent Insurance Agents of Central Florida PIA of Florida Holehouse Homes Developments