Florida OIR approves Citizens request to limit coverage on non-weather claims

August 21, 2017, Property Casualty 360 – “The Office of Insurance Regulation and Citizens Insurance have acted where the legislature has so far failed to act, to bring measures of responsibility and accountability to an out of control Assignment of Benefits system that is causing double-digit property insurance rate increases on Floridians,” said Lisa Miller, former deputy insurance commissioner and …



Rising Sea Levels a Fact in Florida for Now: Legislative Action Underway

Whether you’re a homeowner or work in construction or insurance, you likely know the damage water can do to a structure.  And whether you believe in global warming or not, scientists have confirmed by direct device measurement that sea levels around Florida are back on the upswing – and it could mean more frequent and severe flooding if the trend …




Irma Strikes Florida – But It Could Have Been Worse

Our heart goes out to those seriously impacted by Hurricane Irma.  As Governor Scott reminded us many times leading up to and during the storm, “We can rebuild your home, but we can’t rebuild your life.”  Amid the tragedy of last week’s hurricane, there should be some thankfulness that it …



Episode 7 – Irma’s Claims Challenge

Florida homeowners, businesses, and other property owners have been assessing the damage from Hurricane Irma and begun filing claims with their insurance companies. Those claims are expected to number in the hundreds of thousands from the first major hurricane to hit Florida in 12 years.  How are insurance companies responding?  How will they be able to meet the challenges of such an onslaught of claims?

Joining host Lisa Miller from the road are the president of American Integrity Insurance Company in Tampa, Bob Ritchie and professional claims adjuster Jason Evans, CEO of Evans Claims Service, in Huntsville, Texas.  They explain on this podcast how claims are being handled, why Hurricane Irma has stressed the supply of adjusters needed to handle them, and the ability of Florida’s insurance companies to pay claims.  They also share advice with policyholders and other consumers hit by damage and reveal how insurance industry best practices are being put to the ultimate test with Irma.

Bob Ritchie, President & CEO, American Integrity Insurance Company

Jason Evans, CEO of Evans Claims Service

Show Notes:

“There is no question that the industry has not been better capitalized, both in terms of the primary insurance carriers, but also the supporting carriers, including the Florida Hurricane Catastrophe Fund, Citizens Property Insurance, and the world’s reinsurers,” Ritchie said on the podcast.  He noted that because the hurricane weakened in the hours before landfill, “this is a high-frequency, high number of claims, and much lower severity, much lower total incurred losses event than what it would have been if it had stayed on the west coast and scraped the entire coast.  What makes Irma different is that the entire peninsula was faced with a direct hit,” Ritchie said.   He believes damage estimates in the range of $25 billion are accurate.

“Florida is much more a wind and water event than Hurricane Harvey, which was predominantly a flood event” said Evans, whose adjuster teams have worked Harvey claims and are now in Florida assessing Irma claims.  Evans said Irma has stressed the supply of adjusters to handle claims, especially coming so soon after Hurricane Harvey, but that there are enough adjusters to handle the volume of claims.  “When you have two storms of this magnitude, it stresses the supply of adjusters undoubtedly…but you have companies emergency licensing adjusters and bringing in additional people to settle these claims…we’ll get ahead of it and get everyone’s claim taken care of in a timely fashion.”

The program discusses the technological advances that are making the claims process easier and efficient for both policyholders and insurance companies.  “But nothing replaces the tender loving care at the first notice of loss,” Ritchie pointed out.  “It’s a people business.  When you have a crisis, people want to talk to a live person.  Where technology is important is that everyone is equipped to take the first notice of loss within a few minutes and to reassure the customer that they have coverage.  You have one chance to form the right first opinion.”

Links and Resources Mentioned in This Episode:

** 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**


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

Taylor Biehl talks with Lisa Miller about the 2017 Legislative Session


In the closing days of the 2017 Florida Legislative Session,  Capitol Alliance Group Legislative Programs Director Taylor Patrick Biehl discusses passage of the bill to implement the voter-approved constitutional amendment allowing residential use of solar power as well as efforts to approve a bill on the use of medical marijuana to treat debilitating conditions.  www.CapitolAllianceGroup.com

Ben Pollara talks with Lisa Miller about the 2017 Legislative Session


In the closing days of the 2017 Florida Legislative Session,  “Florida For Care” Executive Director Ben Pollara discusses bills to implement the voter-approved constitutional amendment allowing the use of medical marijuana to treat debilitating conditions and the prospect that it can reduce opioid abuse and deaths in Florida.  www.floridaforcare.org