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Speedier Disaster Relief from FEMA

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Plus, the changing hurricane cone

FEMA boasts a quick response to Hurricane Idalia victims with its Direct Housing Program, new FEMA rules mean slashing lots of red tape to help future disaster survivors even faster, and experts say the standard hurricane cone graphic on forecast maps is old news.  It’s all in this week’s Disaster Management Digest.

A partially crushed house from Hurricane Idalia in Perry , FL. Credit, Adrian Holt

FEMA Help After Hurricane Idalia: FEMA announced it had placed all households affected by Hurricane Idalia into temporary housing as of January 23rd, “in a remarkable display of efficiency” under its Direct Housing Program.  Idalia made landfall on August 30 of last year, and only 40 days later FEMA was placing survivors into the first of their temporary homes.  The streamlined process involved ordering, installation, utility hookup, and permitting either on affected private property or rented property in commercial parks.  “Our Direct Housing team has been working tirelessly to accomplish one of the swiftest direct housing missions” said FEMA Federal Coordinating Officer Brett Howard, and the impact is apparent – three of the affected families from the storm have already moved back home after completing their Permanent Housing Plans.  Over the next several months the rest of the affected families and households will do the same, per FEMA.

Slashing Infamous FEMA Red Tape: Federal assistance is notorious for the arduous, bureaucratic application process it entails but new FEMA rules aim to cut through much of the red tape on its Individual Assistance Program.  Homeowners who receive partial compensation for damages from their insurance can now ask FEMA to foot the rest of the bill – up to $42,500 – regardless of their total insurance payout.  Gone is the requirement to have a loan application rejected by the Small Business Administration before applying for help from FEMA.  The $750 critical needs assistance usually granted by FEMA on a case-by-case basis will now be readily available to those affected when an emergency is declared.  FEMA has also made changes on how its displacement assistance funds are allocated to help with accessibility issues in homes and those unable to return to their homes.  These changes will go into effect March 22, 2023 and will cost FEMA an estimated $671 million annually.

Changing the Cone Model: The familiar hurricane path cone used by the National Hurricane Center might look a little different in this upcoming hurricane season which officially starts on June 1.  Experts have been examining public misconception and found that many people assume the cone graphic projection contains the entirety of the affected area; in reality, it only depicts a potential path for the storm center and eventual landfall.  A recent study showed that people think of areas within the cone as “at risk” and everywhere outside as “safe” – a false perception that is now referred to as the “containment effect.”   This effect often leads to people underestimating heavy winds and rain in the surrounding areas outside the cone.  While hurricane predictions are often accurate enough to help inform the population, some 30-40% of the National Hurricane Center’s projections see the storm center veer outside of the initial cone.  So beginning this summer, we’ll see instead active tropical alerts instead of a cone where applicable over land.  The National Hurricane Center will seek feedback during implementation to make further adjustments.

LMA Newsletter of 1-29-24

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Tags: FEMA, FEMA housing, FEMA Individual Assistance Program, Hurricane disaster assistance, Hurricane Forecast, Hurricane Idalia, Hurricane Prediction, National Hurricane Center

“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 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

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Cynthia Scott, President
University Insurance Group
Davie, FL

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

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

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

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Jeffrey Karam, CPCU
Bradenton, FL

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

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Ricci Insurance Group
Jacksonville, FL

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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

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

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

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Laurie Rasberry, Chief Claims Officer
Acorn Claims
Prosper, Texas

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

“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

“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

“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

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

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Adam Marmelstein, Director of Agency & Market Services

“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

“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 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

“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

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

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Frank Messersmith, former Florida state representative, 1980-1990

“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.

“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)

“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

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

“Keep informing and fighting!”

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

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