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Building Resilient Homes: Insights from Industry Experts

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Help for new and existing homes

Why were some homes in Hurricanes Helene and Milton heavily damaged while others sustained little or no damage?  Much of the answer lies with the building materials and techniques used in their construction.  I’m thrilled to share some incredible insights from our latest episode of The Florida Insurance Roundup podcast, where we dive deep into the world of resilient home building.  If you’re in Florida or any hurricane-prone area, this is a must-listen!

Fred Malik from the Insurance Institute for Business and Home Safety explained the Fortified Program, which provides guidelines for enhancing home durability.  Marshall Gobuty of Pearl Homes Developments shared his success with Hunters Point, a Cortez, Florida development that survived Hurricane Milton undamaged.  Scott Lindbergh, CEO of NEXGEN Building Products, discussed the benefits of magnesium oxide-based materials that offer superior resistance to impact, moisture, and fire.  Our conversation underscores the importance of innovative building techniques and materials for creating safer, more resilient homes. This construction can save money and insurance costs for both new and existing homes.

Fred Malik, Managing Director, Fortified program at the Insurance Institute for Business and Home Safety

Marshall Gobuty, Managing Partner, Pearl Homes Developments

Scott Lidberg, CEO, NEXGEN Building Products

 

 

 

 

 

 

 

 

The podcast contained some detailed explanations on construction alternatives, as well as practical tips.  Among those tips:

  • Focus on the Roof: Fred explains why the roof is the most critical part of your home to fortify. Simple upgrades can drastically reduce damage during storms.
  • Sustainable Features: Marshall talks about integrating solar panels and battery storage systems to ensure power availability during outages.
  • Advanced Materials: Scott highlights the long-term benefits of using advanced building materials, even if they come with a slight premium.

Our conversation also underscored the importance of collaboration among builders, manufacturers, and researchers to create homes that are not only resilient but also sustainable.  That includes catching the attention of national home builders.  My guests expressed optimism about the future of resilient housing, driven by innovation and a commitment to sustainability. They encourage homeowners to take proactive steps in fortifying their homes.  You can listen to (or read more about) our conversation in episode 53 of the Florida Insurance Roundup podcast Fortified Homes.  Have any questions or thoughts on resilient home building?  Hit reply and let’s chat!

See you on the trail,
Lisa

LMA Newsletter of 10-28-24

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Tags: Affordable Housing, Building Inspection, Building Materials, Building Performance, Building Products, Building Safety, Building Science, Construction, Contractors, Education, FEMA, Flood Insurance, Flood Vents, Flooding, Florida Building code, Florida Insurance Roundup podcast, Florida Property Insurance, FORTIFIED program, Fred Malik, Home Builders, Hunters Point, Hurricane Damages, Hurricane Helene, Hurricane Milton, hurricanes, Impact Resistance, Insurance Claims, Insurance Institute for Business and Home Safety, Marshall Gobuty, Mitigation, NEXGEN Building Products, Pearl Homes, Podcast, Public-Private Partnerships, Resilience, Roofing, Scott Lidberg, Solar power, Storm Damage, Sustainability, Underlayment

“Just a quick note to say I always enjoy reading your newsletter. I have found many occasions to share it with family and friends who can’t understand why their insurance is expensive, as well as fellow employees. It is a great source of information in general, and especially helpful during the hectic times when work requires that I focus more narrowly on the task at hand, as it helps me keep sight of the big picture.”

Adam Marmelstein, Director of Agency & Market Services

“Great article on Risk Rating 2.0!”

Austin Perez, Senior Policy Representative for Federal Housing, Valuation, Insurance and Commercial Issues
National Association of Realtors
Washington, D.C.

“Thank you, Lisa, for your tireless work on behalf of the industry and the citizens of Florida. This post is incredibly comprehensive and helpful. Stay safe my friend.”

Mel Russell, President & CEO
Russell Insurance Consulting
St. Petersburg, FL

“What a great outreach and platform. God Bless.”

Ken Donohue, Former Inspector General
U.S. Department of Housing and Urban Development (HUD)

“Wow, what a dazzling amount of expertise and content, Lisa! You continue to amaze after 40-years of being amazing. Your newsletter is extraordinary. Congratulations!”

D. Joel Whalen, Associate Professor
DePaul University Kellstadt Graduate School of Business & Past President, Association for Business Communication

“Keep up the great work, Lisa! I enjoy your updates!”

John Askins, Former Director
Florida Department of Financial Services, Division of Insurance Fraud

“I wanted to write to tell you that this newsletter is the best in the industry. I look forward to it every week! Thank you for all that you do.”

Rebecca Leadbeater, Regulatory Compliance Analyst
Frank Winston Crum Insurance
Clearwater, FL

“Congrats on your 17- year anniversary at Lisa Miller & Associates®!  You have created an awesome legacy and helped numerous companies, agents, and clients!  Enjoy listening to your podcasts and reading your newsletter!  Best way to keep up with what is happening in the FL insurance world.”

William McArthur, VP of Claims
Claims Adjustment Group (CAG)

“I absolutely loved your AM Best Interview – watched it twice! You have always been so impressive and inspiring to the insurance profession. The interview packed so much information into just a few minutes. Thanks for sharing. Please don’t stop, we all enjoy your insight.”

John Burkholder, Principal
Municipal Partners, LLC
2016 Public Risk Manager of the Year

“Lisa is truly an insurance industry dynamo who operates her business with integrity and zealous representation. She is the person that legislators call upon when they have questions regarding necessary insurance reforms. Lisa is a tireless advocate for the protection of all Floridians and their property.”

Greg Holder, Retired Judge and Attorney
Zinober Diana & Monteverde P.A.
Tampa, FL

“Your newsletter is fabulous!  I greatly appreciate the topics you expose, so that insurance professionals like myself can keep up with the latest events that affect the public we serve and ourselves.”

Cynthia Hoehn, Independent Property & Casualty Personal Lines insurance agent
Clermont, FL

“Keep informing and fighting!”

Mary Ann Medina, VP Client Partnerships
Charles Taylor
Lake Mary, FL

“Wow, what a great picture and worth a thousand words! I’ve been reading/listening religiously to your newsletters/podcasts. They’ve been a tremendous source of information. Thank you!”

Austin Perez, Senior Policy Advisor
National Association of Realtors®
Gulf Breeze, FL

“Just wanted to say that I thoroughly love your newsletter. It’s is always informative and insightful to the ins and outs of our industry.  You are an inspiration and an important asset in the insurance world.  Keep up the great work!” 

Cynthia Scott, President
University Insurance Group
Davie, FL

“Lisa, I was delighted to get your newsletter. It is very professional and a great read about what’s going on. It was good to see you doing the things you’ve always done so well. You were always a great source of input when I was in the Capitol and glad to see you are still providing such great assistance.”

Frank Messersmith, former Florida state representative, 1980-1990

“Another great Newsletter on Florida industry this week.  Your service and advocacy in Florida is very important to keeping me updated and apprised of the Florida insurance laws, trends and overall environment.  Something similar is very much needed in Louisiana, too.”

Jennifer Tedesco, Esq., Claims Director
Pharos Claims Services
Orlando, FL

“Thank you Lisa for staying on top of, as well as advocating, for Florida residents and legislative reform. Your newsletters are very informative and enjoy reading the points of view.”  

Shawna Miller, Sr. Claims Quality Assurance & Compliance Manager
Florida Peninsula Insurance Company
Jacksonville, FL

“Hello Lisa, EXCELLENT articles! I love your newsletter. Already shared with my office!”

Ana Regina Myrrha, Agency Principal
American Insurance Point
Orlando, FL

“I have followed your weekly newsletter and podcasts and now have a full appreciation for what you bring to this industry.  You are an inspiring force, plain and simple.  I wanted you to know that you make a difference.  Thank you for all you do!”

Jeffrey Karam, CPCU
Bradenton, FL

“Lisa Miller is a true champion for the insurance industry, with her regular updates! We appreciate all you do and keeping us up to date on priority issues!”

Gillian Lloyd, Account Executive
Zywave
Milwaukee, WI

“Thank you for the information. I enjoy the info that you share and in turn, I share with my daughter and her husband. Sending love and best wishes to you!”

Paula, lifelong hometown of Plant City pal

“A high-profile attempt to undo recent litigation reforms that helped stabilize the insurance market was successfully defeated. We’re grateful to trusted experts like Lisa Miller (former Florida Deputy Insurance Commissioner, now one of the state’s top insurance advocates) for providing ongoing updates during every legislative session.”

Whitney Ricci, President & Founder
Ricci Insurance Group
Jacksonville, FL

“Just a quick note to let you know how much I have appreciated your newsletter over the years and the assistance they offer for those in the field of claims. We depend on the information more than you will ever know!”

Laurie Rasberry, Chief Claims Officer
Acorn Claims
Prosper, Texas

“Lisa is a wealth of knowledge and produces some very useful content. I read her newsletter every week, it has great content, and I learn a lot. Thank you for being such an advocate Lisa and educating all of us.”

Tim O’Keefe, Director
KW Property Management & Consulting
Fort Lauderdale, FL

“The great thing about reading your newsletter Lisa, is that I can 100% trust that the info in it is completely accurate. Thank you for the time that you invest in this newsletter to keep everyone informed on new things going on in the industry.”

Lori Hall, Business Development Manager
Haag

“I really do enjoy your newsletter – it is fantastic for the insurance industry in Florida.”

Bill Wilson, former PURE SAC Chair
PURE Insurance Company

“I do not know how to say in words the heartfelt thankfulness that you took the time to listen to me, heard me, and then TOOK action to get something done after the long emotional and FINANCIAL struggle with…the hardship of paying upfront for all the repairs from Hurricane Sally. I cannot say enough of how I appreciate you, your attitude of wanting to help people and the next step to actually take action to do something is amazing.”

Ramona Speer, Realtor®
Gulf Breeze, FL

“Lisa, you will always be a public servant and your newsletters have shared valuable information to many. These newsletters are not five minute follow up reports. You’ve been to these disasters first hand and understand people lose everything and the elderly are the most vulnerable. It’s truly sad. Thank You for being sincere, when most are looking for ratings.”

John Greer, retired from construction, Plant City

“I really like your newsletter. It’s informative and to the point, even to the layperson. You are absolutely an asset to your industry. Keep it up please!”

Rivers H. Buford, III, Veteran Florida legislative and regulatory leader, retired

“You are under-thanked and under-appreciated for all the work you do for our industry but I’m one guy who really appreciates the information you gather and share.  Many times I pass it along to my clients. Many thanks.”

Dan Brown, Sr., President
Brown and Brown Insurance
Orlando, FL

“Lisa this is another great newsletter, and we appreciate the time and energy you put into these informative updates – you are on top of these topics!”

Mike Graham, CEO
Smart Vent Products, Floodproofing.com, & Risk Reduction Plus
Juno Beach, FL

“Lisa, thank you for sending your newsletter to me. It keeps me up with news I can use. I hope all is well with you and wish you continued success.”

George E. Kelly, Jr.
GK Consulting LLC
Hartford, CT

“Thank you for all you do for the industry and the Verisk team. We are forever grateful and excited for the future. Getting your insight in my inbox is exactly what I need!”

John Haddad, Director of Product - XactAnalysis
Verisk Claims

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