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Legislature Tackles 2024 Hurricane Issues

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Easing regulation to ease rebuilding

One of about 200 homes in Gulfport, Florida damaged in the hurricanes awaiting permits to begin repairs as of January 2025. Source: WTVT-TV, Fox 13 Tampa

The 2024 hurricane season brought ongoing problems for communities impacted by Hurricanes Debby, Helene, and Milton that still persist months after the storms subsided.  Resiliency on the local level is perhaps the greatest imperative in the rebuilding process, and when communities are fiscally or legally constrained, it can be almost impossible for them to get back on their feet.  Enter HB 1535, filed in the Florida House of Representatives last month, which hosts a wide range of changes to emergency response including tenants’ rights, replacement structures, medical care, shelters, and comprehensive plans for all issues that may arise in the wake of a disaster.

Bill sponsor Rep. Fiona McFarland (R– Sarasota) centered the proposal around feedback from those directly affected by the barrage of storms last year.  “It’s feedback from the Realtors.  It’s feedback from homeowners’ associations, from builders, from environmentalists, emergency managers, and all of that is boiled into this bill,” she told the House Natural Resources & Disasters Subcommittee last week.  The subcommittee unanimously approved the bill, which has two more committee stops before going to the House floor.

Hurricane Helene debris outside of a St. Petersburg business on September 28, 2024. Courtesy, Pinellas County Sheriff’s Office

For starters, the bill would prohibit counties from imposing moratoriums on rebuilding under disaster declarations from Hurricanes Debby, Helene and Milton and stop governing bodies from imposing impact fees if rebuilding doesn’t change land-use designations.  Rebuilding can also be up to a 130% larger footprint than the pre-hurricane homesteads under the proposal, allowing for home elevation that often requires it, be it a new external staircase or more space for utilities. 

The bill also calls for state agencies to work alongside local governments to streamline permitting for repair and rebuilding of damaged homes and businesses.  Federal hurdles have been a problem cited in the aftermath of 2022’s Hurricane Ian in southwest Florida, where only now Sarasota residents are finally getting the relief and federal disaster money two and a half years later.

The bill also addresses shelters used in evacuations.  It requires the Florida Division of Emergency Management (FDEM) to conduct a study on statewide shelter needs, including ample resources to care for those with developmental disabilities and availability for pets.  FDEM would also be required to coordinate debris removal in Florida’s fiscally constrained counties that often don’t have the resources.  One of the more publicized moments of the 2024 hurricane season − a crane collapse into a St. Petersburg office building – is directly addressed, with HB 1535 requiring all hoisting equipment to be secured 24 hours before anticipated storm impacts, including setting crane towers in a “weathervane position.”  

LMA Newsletter of 3-24-25

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Tags: Disaster Management, Florida Legislature 2025, Hurricane Debby, Hurricane Helene, Hurricane Milton, Hurricane Rebuilding, Hurricane Repair, Regulation

“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

“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

“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

“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

“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

“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

“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

“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

“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

“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

“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

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

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

“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

“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

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

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

“Keep informing and fighting!”

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

“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, 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

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

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

“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

“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, 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

“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

“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

“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

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

Bill Wilson, former PURE SAC Chair
PURE Insurance Company

“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

“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

“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

“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.

“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

“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

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