October 10, 2017, Miami Herald – “If you hear the words ‘I’ll take care of everything and it won’t cost you anything, just sign here,’ you must run the other way,” said Lisa Miller, Florida’s former deputy insurance commissioner and now a consultant in Tallahassee. “It’s a racket. They’ve created a factory for lawsuits. You are signing away all your …



Florida’s Insurance Villages Post-Hurricane Irma

Last week I traveled to Jacksonville, Naples, and Ft. Myers – those areas among the hardest hit by Hurricane Irma – to see firsthand how Florida’s Insurance Villages operate.  While I learned it doesn’t take a village to handle a claim, it certainly makes it easier on our policyholders to have a central place they can go for personal claims …




A Time of Reflection

Christmas and the holidays are a time for joy and love and above all, warm feelings of caring.  For many people, the holidays mean sharing with others – whether it’s the gift of time or other treasures for a special person or family member.  Often, this time of year can be a time of sorrow. For …



Episode 8 – National Flood Insurance Reform

Congress is pushing into 2018 a decision on how to reform the beleaguered National Flood Insurance Program (NFIP) that 1.8 million Floridians depend on for their property flood protection. Congress must reauthorize the program as well, because without it, federally-backed home mortgages which require flood coverage for high-risk zoned properties could come to a standstill. But the taxpayer-subsidized NFIP is $25 billion in debt and still using old flood data and maps, with rates that don’t match risk.  Congress is considering reauthorization under a package of reform bills called the 21st Century Flood Reform Act.

Host Lisa Miller, a former Florida deputy insurance commissioner, explores two of those key reforms on this program: what to do with grandfathered properties that are still enjoying 1960’s-era premiums and riddled with repetitive losses, and how best to encourage private flood insurance market alternatives. It’s estimated that 77% of Florida properties would see lower premiums with private market policies.  Joining Lisa are guests Brian Squire, Managing Executive Senior Vice President at Hays Companies in Destin, Florida and Helen Devlin, Senior Lobbyist with the National Association of Realtors in Washington D.C.  Together, they outline what’s at stake for Florida NFIP policyholders and ideas on how best to balance flood insurance affordability with NFIP sustainability, without hurting Florida’s growing real estate market.

Brian Squire, Managing Executive Senior Vice President at Hays Companies

Helen Devlin, Senior Lobbyist with the National Association of Realtors

Show Notes:

The bill passed by the U.S. House would strip grandfathered NFIP rates after two future claims, with rates then rising 10% per year until hitting the current risk-rate. A third claim would raise rates 15% per year. The podcast discusses how this is meant to relieve some of the financial burden to the heavily subsidized federal government program, while providing greater cost accountability and sharing with those properties that continually have losses and keep getting rebuilt or repaired, only to have sometimes identical losses re-occur during the next event.

Brian Squire said the key to a more sustainable NFIP and one that encourages private flood insurance alternatives is to change the grandfathering provisions so current recipients can have safe harbor to move into the private market and move back into the NFIP without losing benefits, should the private market not work for them. He noted it’s also important that private insurance companies be properly vetted and with state regulation to provide needed consumer confidence to make the switch.

Helen Devlin noted it’s important to have a private market compliment to NFIP and that the National Association of Realtors has been working for years with Congress to make improvements necessary to safeguard property owners. Allowing portability of grandfathered benefits and more insurance options for consumers are key.   She also noted the rates charged versus true risk “are out of whack” and that better utilizing improved modeling technology and other advances will create better coverage for more people without “sticker shock” premiums.

Links and Resources Mentioned in This Episode:

Brian Squire, Managing Executive Senior Vice President at Hays Companies in Destin, Florida www.hayscompanies.com

Helen Devlin, Senior Lobbyist with the National Association of Realtors in Washington D.C. www.nar.realtor

21st Century Flood Reform Act (H.R. 2874)

The National Flood Insurance Program (NFIP)

FEMA webpage on NFIP Reform Flood Insurance Writers in Florida (from the Florida Office of Insurance Regulation)

Top 10 Facts About the National Flood Insurance Program (from Lisa Miller & Associates)

The federal Biggert-Waters Act and Florida Impacts (from the Florida Office of Insurance Regulation)

Aligning Natural Resource Conservation, Flood Hazard Mitigation, and Social Vulnerability Remediation in Florida  (Journal of Ocean and Coastal Economics: Vol. 4: Iss. 1, Article 4. Summer 2017) which found Florida has 15,000 “Repetitive Loss Properties”. Those properties collectively filed more than 40,000 claims against the National Flood Insurance Program between 1978 and 2011 – more than 1,200 claims per year, on average.

Since 1978, 12 Counties Have Accounted for a Third of U.S. Flood Insurance Claims  (Forbes, November 16, 2017)

Florida Homeowner Claims Bill of Rights  (From the Florida Office of Insurance Regulation)

** The Listener Call-In Line for your recorded questions and comments to air in future episodes is 850-388-8002 or you may send email to LisaMiller@LisaMillerAssociates.com**


Here are some of our accomplishments on behalf of our clients in 2017:

Assisted start-up homeowners insurance companies understand the current market and how to position themselves accordingly; create responsive products to market needs; facilitate conversations with insurance agents; and communicate effectively with policyholders.

Advised property casualty companies on legal and regulatory framework, helping them achieve compliance.

Resolved a compliance …


TALLAHASSEE — Former Florida Deputy Insurance Commissioner Lisa Miller says insurance companies taking claims calls from Hurricane Irma are handling them like an emergency room in a hospital: triaging the calls in order of severity.  Miller, President and CEO of Lisa Miller and Associates in Tallahassee, provided advice on how Floridians can navigate the post-Hurricane Irma claims process on the …

Growing Florida’s Private Flood Market – Part One

Florida’s private flood insurance market is growing while Congress tries to find its way to potential fixes for the beleaguered National Flood Insurance Program (NFIP).  Just in time for the start of hurricane season, the Florida Legislature has made it even easier for private insurance companies to write flood coverage in the Sunshine State.  The private market is seen as …

Major Insurance Issues Fail in Florida Legislative Session – Podcast Explains How & Why

The Florida Legislature ended its 2017 session this week three days late – and without passing most of the major insurance-related bills.  These include Assignment of Benefits reform, Workers’ Compensation reform as mandated by the state Supreme Court, and No-Fault Personal Injury Protection automobile insurance reform.  What went wrong?  Host Lisa Miller, a former Florida deputy insurance commissioner, takes the …

Steve Uhlfelder talks with Lisa Miller about the 2017 Legislative Session


In the closing days of the 2017 Florida Legislative Session, Uhlfelder & Associates founder Steve Uhlfelder shares his views on some of the policy disagreements this session and whether a gubernatorial veto is likely, based on his more than 30 years of public policy and consulting experience.  www.sulaw.net