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New Help for Hurricane Michael Victims

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Money awarded for community resilience, too

Blue roof tarps are still a familiar sight in Florida’s Panhandle. Courtesy, Jason Brough

With 95% of Hurricane Michael insurance claims now closed, the state of Florida has opened a fund to help Panhandle residents impacted by the October 2018 Category 5 hurricane repair, rebuild, or replace their homes.  There’s also news this week on a big infusion of money to help rebuild Florida’s critical disaster-related facilities.

The Florida Department of Economic Opportunity (DEO) announced that the application period is open for homeowners in Hurricane Michael impacted areas for the Rebuild Florida Housing Repair and Replacement Program.  The program has more than $246 million in funding to provide long-term assistance to fix or replace Hurricane Michael-damaged homes in a 12-county area that serve as primary residences of eligible Florida families, as well as eligible rental homes.  The program will manage and complete the actual repair or reconstruction of damaged homes on behalf of eligible homeowners.

Priority will go to low- and moderate-income households and those with senior citizens, children, or individuals with special needs.  Funding for the program is allocated through the U.S. Department of Housing and Urban Development’s (HUD) Community Development Block Grant – Disaster Recovery (CDBG-DR) program.

The latest reported figures on Hurricane Michael from the Florida Office of Insurance Regulation as of November 2, 2020, show nearly 160,000 claims with total estimated insured losses of $9.1 billion.  OIR reports 95% of claims are closed with a paid to unpaid claim ratio of 6:1.

City Hall and Police Station building in Bay County, Florida damaged from Hurricane Michael, October 2018. Although it had retrofitted storm shutters, the older unfortified trusses collapsed. Courtesy, FEMA

Meanwhile, Governor DeSantis has announced that $75 million has been awarded to 30 communities through DEO’s Rebuild Florida Critical Facility Hardening Program.  The program allows local governments to increase the resiliency of critical facilities that serve a public safety purpose for local communities.  The Governor noted the need to prepare for future storms and that “this funding will be central to that preparation and make these communities more resilient,” said the Governor.

A list of the 30 communities awarded the money and how they plan to spend it are here.  The funds were allocated through the federal HUD’s Community Development Block Grant – Mitigation (CDBG-MIT) program formed in response to the 2016 to 2017 presidentially declared disasters.  It comes on the heels of the Governor’s announcement last month of $100 million being awarded to 24 communities for needed infrastructure repair from Hurricane Irma damage.

LMA Newsletter of 2-15-21

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Tags: Disaster Management, Disaster Resilience, Hurricane Irma, Hurricane Michael, Hurricane Michael Claims, Hurricane Michael Disaster Relief, Rebuild Florida Critical Facility Hardening Program, Rebuild Florida Housing Repair and Replacement Program

“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

“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

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

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

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John Haddad, Director of Product - XactAnalysis
Verisk Claims

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

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

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

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Lori Hall, Business Development Manager
Haag

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

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

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

“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

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Adam Marmelstein, Director of Agency & Market Services

“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

“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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Paula, lifelong hometown of Plant City pal

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Bill Wilson, former PURE SAC Chair
PURE Insurance Company

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

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

“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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Frank Messersmith, former Florida state representative, 1980-1990

“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

“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

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

Ana Regina Myrrha, Agency Principal
American Insurance Point
Orlando, 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

“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

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Laurie Rasberry, Chief Claims Officer
Acorn Claims
Prosper, Texas

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Jeffrey Karam, CPCU
Bradenton, FL

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

“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

“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

“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

“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)

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