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Looking Ahead & Reflecting

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Since the release of the FEMA Review Council report on May 7, LMA has done a deep dive into the 70+ page report and it is clear that local and state government risk transfer to the worldwide insurance market is top of mind.  I was asked by Florida’s emergency management director Kevin Guthrie to teach an insurance class with a focus on parametric insurance.  My co-presenter is Gallagher Re’s Executive VP & head of property insurance for North America Adam Schwebach, with a multi-decade career in innovative reinsurance solutions.  The session is part of the five-day Florida’s Training for Emergency Management symposium this week in Orlando and you can watch virtually.  Please contact us if you would like further details. 

I am also honored to share with our readers that Department of Corrections Secretary Ricky Dixon has appointed me as to serve as President of the Florida Corrections Foundation.

Louie Wainwright Sr.

This appointment is especially meaningful to me because my journey in public service was profoundly shaped by the Wainwright family, beginning with the legendary Louie L. Wainwright Sr.  I first met Secretary Wainwright when I was 22 years old, working for the Parole Commission.  We both worked late hours, and he would often sit and talk with me about my future, encouraging me to dream big, never look back, and always treat every person in my orbit with kindness and respect.

That was simply who he was.

I watched him speak to everyone with the same sincerity and dignity: from senior officials to the housekeeping staff working late into the night.  He had a remarkable gift for making people feel seen, valued, and important.

One day, he told me he thought I would be a great fit at the Department of Revenue working for his son, Louie Wainwright Jr.  Louie Jr. hired me at just 24 years old to work in the executive suite of the Department of Revenue – and ironically the suite was Room 104 in the Carlton Building, Secretary Dixon’s current office.  One of my fondest memories was when Louie, Jr. told me he would “fire me” if I didn’t go back and earn my master’s degree because Florida State University was “just down the street.”  I earned my Master’s in Public Administration because of that “nudge.”

I owe so much to the Wainwright family.  At 66 years old, not a day goes by that I don’t think about how blessed I was to know such extraordinary Floridians whose lives were dedicated to serving others.  They taught me that leadership matters, kindness matters, and loyalty goes both ways.

Their legacy continues through the important work of the Florida Corrections Foundation.

I have tremendous admiration for our correctional officers and all those who work within our institutions.  Their work is difficult, important, and often underappreciated.  Many share the belief that those who enter the system should leave it better prepared to succeed in life.  The Foundation plays a vital role in supporting that mission and helping those impacted by incarceration.

In other news, as one legislative special session ended Friday (passing a slightly smaller $114.5 billion state budget for the next fiscal year that now goes to the Governor for potential line-item vetoes) another special session begins today to consider a November ballot issue on property tax relief for homeowners.  We’ll also be watching this week’s weather, as heavy rains are expected in many parts of Central and South Florida, with a flash flood threat for Miami-Dade County. 

Up next: the improving condo insurance market, prepping for hurricane season that begins today, the hidden cost drivers of severe storms, the latest on wind mitigation and surplus lines regulation, Congress’ latest effort at risk transfer, why you should be suspicious of AI notetakers, plus the power of ‘breaking the rules’ in customer service!

LMA Newsletter of 6-1-26

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Tags: Adam Schwebach, Disaster Management, FEMA, FEMA Review Council, Florida Corrections Foundation, Florida Legislature 2026, Florida’s Training for Emergency Management, Gallagher Re, Louie Wainwright Jr., Louie Wainwright Sr., Property Tax Relief, Property Taxes, Ricky Dixon, State Budget

“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

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

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

“Keep informing and fighting!”

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

“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 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

“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

“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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Laurie Rasberry, Chief Claims Officer
Acorn Claims
Prosper, Texas

“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)

“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

“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 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

“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

“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

“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 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

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

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

“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, 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

“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

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

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

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

Bill Wilson, former PURE SAC Chair
PURE Insurance Company

“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

“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

“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

“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

“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

“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

“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

“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

“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

“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

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