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Hurricane Ian Recovery

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Damage could top $113 billion

One of many coastal homes in Lee County buckled by Hurricane Ian’s winds and storm surge, December 21, 2022. Courtesy, AmeriCorps

Nearly six months after Hurricane Ian made landfall in Florida and $7 billion later in response and recovery spending, clean-up continues with more than 600 families still in hotel rooms. 

FEMA reports that $6.97 billion in federal funding has been spent to date helping Floridians recover from Ian, which came ashore near Ft. Myers on September 28, 2022 with 150 mph winds and a 15 foot storm surge.  There was record flooding along the coast and hurricane force winds as far inland as Orlando, with widespread damage across nearly two-thirds of the state.  The money includes:

  • $1.06 billion in FEMA Individual Assistance for 384,477 households to help with rent and repairs (with nearly half – $449 million to 97,878 Lee County households);
  • $1.77 billion in low-interest disaster loans from the U.S. Small Business Administration;
  • $3.4 billion in payments from the National Flood Insurance Program to cover more than 47,000 claims; and
  • $738 million to reimburse the state and local governments for the costs of debris removal and emergency response.

At one point, more than 4,500 evacuated families were in hotel rooms provided by FEMA.  Today 613 remain, with another 709 in FEMA travel trailers.  The state of Florida added 504 travel trailers which FEMA said it agreed to pay for.

The cleanup and recovery continues in thousands of homes in Lee and Charlotte Counties, February 1, 2023. Courtesy, AmeriCorps

More than 32.3 million cubic yards of debris has been removed, including almost 12.4 million cubic yards in Lee County.  The state sought and FEMA granted waivers in the application process by some local jurisdictions, saving as much as six months in the debris removal process.  Collier County has been reimbursed $23.2 million for debris removal and emergency protective measures, bringing the total amount reimbursed to local communities to $140 million.

The Florida Division of Emergency Management (FDEM) has secured nearly $800 million in Public Assistance obligations.  By securing these funds so quickly, FDEM said it has been able to generate nearly $1 billion in federal resiliency funds.  This is the most funding ever secured in this time frame and the most ever secured for resiliency funding in such a short time following a disaster for any state-managed hurricane response.

The Governor last week announced two awards through the Florida Disaster Fund totaling $7 million to support small businesses.  The first award of $3 million will go to the nonprofit arm of the Florida Restaurant and Lodging Association to expand their ability to provide economic relief to hospitality-based businesses that were impacted by the storm.  The second award of $4 million will create a new Small Business Recovery Impact program to support additional small businesses outside of the hospitality sector that have been unable to reopen due to lack of capital.  Small businesses will be eligible for up to $50,000 grants to support their employees and help to reopen and pay for things like equipment, drywall, and commodities.

Hurricane Ian was the third costliest storm to strike the U.S., after Katrina and Harvey, according to NOAA and the National Hurricane Center.  Damage in Florida and other states is estimated at $112.9 billion, including insured and uninsured losses.  

Have a great week and call or email us if we can help you navigate Bill Watch or you have other questions.  Of course, you are always welcome to stay with us in our home and walk the halls of the Florida Capitol with us!

See you on the trail,
Lisa

LMA Newsletter of 3-20-23

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Tags: Disaster Management, disaster recovery, FEMA, Florida Disaster Fund, Florida Division of Emergency Management, Hurricane Ian, National Flood Insurance Program

“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.

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Verisk Claims

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Laurie Rasberry, Chief Claims Officer
Acorn Claims
Prosper, Texas

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

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

“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

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

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

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

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

“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

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

Bill Wilson, former PURE SAC Chair
PURE Insurance Company

“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

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Lori Hall, Business Development Manager
Haag

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Frank Messersmith, former Florida state representative, 1980-1990

“Keep informing and fighting!”

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Charles Taylor
Lake Mary, FL

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Paula, lifelong hometown of Plant City pal

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Cynthia Scott, President
University Insurance Group
Davie, FL

“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

“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 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

“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

“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

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

“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

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

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

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

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

“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

“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

“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)

“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

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