Library & Resources

In our day-to-day efforts to stay informed and current on all events impacting Florida’s marketplace, we search for quality information for our clients.  We hope you find our ongoing Newsletter and Reference Libraries helpful, along with the following Resources below:


Since 2012, readers of the LMA Newsletter have received timely information and insights about Florida’s insurance marketplace.  Published weekly during legislative sessions and bi-weekly the rest of the year, the newsletter focuses on current insurance and related issues impacting real estate and emergency management interests.  There are also stories of encouragement for those who work in this industry notwithstanding its challenges and “pearls” of information that will help readers raise the bar.  During session, the newsletter provides tracking, analysis and insight on bills and broader issues being considered by the legislature of impact to insurance and related interests.  The stories are searchable by going to the LMA Newsletter Archive and using the search window at the top of the right column.


Assignment of Benefits (AOB)/Insurance Litigation/Consumer Protections
Key Provisions of 2022 Insurance Consumer Protections & Market Reforms (SB 2-D & SB 2-A)
Key Provisions of 2021 Insurance Consumer Protections (SB 76 & SB 1598)
Key Provisions of 2019 Assignment of Benefits (AOB) Reform (HB 7065)

See the Assignment of Benefits & Insurance Litigation webpage for complete references | Lisa Miller & Associates

Flood Insurance
See the Flood Insurance & Resilience webpage for complete references | Lisa Miller & Associates

Hurricane Irma
The House Select Committee on Hurricane Response and Preparedness Final Report | Florida House of Representatives | January 16, 2018

On-Going Education
The Florida Legislature’s December 2022 Special Session on Property Insurance and its Impact on Agents and Consumers by Lisa Miller, in webinar presentation to the Professional Insurance Agents of Florida (December 14, 2022)

Advice to Insurance Agents on Hurricane Ian Claims by Lisa Miller, in webinar presentation to the Professional Insurance Agents of Florida (October 26, 2022)

Questions & Answers on Hurricane Ian Property Insurance Claims by Citizens Property Insurance Corporation’s Chief of Claims, Jay Adams (October 4, 2022)

Lisa Miller’s Before & After the Storm Insurance Claims Tips (September 26, 2022)

The State of Insurance: Why Rates are Climbing, How to Plan and Budget for It, and What’s Next with Lisa Miller in webinar panel presentation by KW Property Management & Consulting (May 18, 2022)

History of Florida’s Property Insurance Market video presentation with Locke Burt, Chairman & President, Security First Insurance Company (May 2015)

Special Session TV Coverage & Videos of Florida’s Property Insurance Dilemma, 2019-2022
Title Date Source
Former Deputy Insurance Commissioner Lisa Miller on need for stronger insurance consumer protection in atmosphere of bigger rate increases and growing fraud and litigation during testimony before the Florida Office of Insurance Regulation 12-17-19 The Florida Channel
Roofing contractor Lee Haight’s “No Roof Left Behind” campaign solicitation pitch on social media 5-12-20 Facebook
Roofing contractor Lee Haight's $500 gift card offer for free roof inspection on social media 7-7-20 Facebook
Richie Kidwell of Restoration Assoc. of Florida advises roofers to change tactics after passage of 2021's SB 76 reform 4-9-21 Roofers Den podcast
Richie Kidwell of Restoration Assoc. of Florida explains how to game the new 2019 AOB law, HB 7065 4-9-21 Roofers Den podcast
Victim interviews from prosecuted alleged insurance fraud involving Express Restoration, Quick Mold Labs, and the Strems Law firm   (Also, see “Unlicensed Adjuster Busted – The Strems Law Firm connection”) 9-17-21 Security First Insurance Company
Florida Insurance Commissioner David Altmaier says Florida’s property insurance market is in “dire” and “critical” condition in testimony before the Senate Banking & Insurance Committee 9-22-21 The Florida Channel
Florida Insurance Consumer Advocate Tasha Carter says consumers are on life support in testimony before the Senate Banking & Insurance Committee 9-22-21 The Florida Channel
Citizens Property Insurance Corporation President & CEO Barry Gilway describes the “sea of red ink” that Florida’s insurance companies are in during testimony before the House Insurance & Banking Subcommittee 10-13-21 The Florida Channel
Colonel Simon Blank, Director of the Department of Financial Services (DFS) Division of Investigative & Forensic Services, reports that of the 1,786 homeowners insurance fraud referrals last year, 14 resulted in convictions, in testimony before the House Insurance & Banking Subcommittee 10-20-21 The Florida Channel
House Speaker Chris Sprowls on prospects for Property Insurance Reform 3-2-22 The Florida Channel
Insurance Commissioner David Altmaier explains to media why roof claims have become just the latest driver of high homeowners premiums in a decades-long insurance litigation problem 3-29-22 The Florida Channel
Insurance Commissioner David Altmaier tells the media the reinsurance community basically paid for Hurricane Irma three times due to excessive claims litigation – costs passed along to insurance companies & policyholders 3-29-22 The Florida Channel
Insurance Commissioner David Altmaier tells media past reforms (SB 76 & HB 7065) haven’t eliminated the problem of excessive litigation, frustrating homeowners 3-29-22 The Florida Channel
Homeowners insurance crisis: Florida insurance commissioner moves to allow roof deductibles 4-5-22 WFLA-TV
Florida homeowners insurance crisis: Tampa Bay senator plans to go around governor to call special legislative session 4-6-22 WFLA-TV
80K lawsuits filed against insurance companies in 2020, doubling homeowners insurance premiums, because scammers are gaming the system 4-14-22 WFTS-TV
Property insurance crisis escalates, with more insurance companies going under, cancelled policies, and doubling premiums 4-21-22 WKMG-TV
A closer look at Florida’s property insurance crisis includes suggestions to allow actual cash value instead of full roof replacements and controls on excessive litigation 4-27-22 WJXT-TV
Insurance defense attorney slams Florida’s ‘egregious’ homeowners insurance system 4-29-22 WFLA-TV
WBUR-FM, Boston’s National Public Radio affiliate, goes “Inside Florida's property insurance crisis” with a resident, insurance agent, state legislator, and industry representative 5-3-22 WBUR-FM
Property insurance companies continue to drop Florida customers while others are going out of business 5-9-22 WFTS-TV
Florida roofing company encourages homeowner to make insurance claim for storm damage in series of questionable text messages and insurance company executive responds 5-11-22 WFTS-TV
Citizens Insurance settles the Racketeer Influenced and Corrupt Organizations Act (RICO) suit against attorney Scot Strems & contractors yet no criminal charges says CFO Jimmy Patronis 5-12-22 WFLA-TV
Citizens Property Insurance CEO Barry Gilway explains RICO lawsuit against attorney Scot Strems & associated contractors 5-12-22 WTVT-TV
CFO Jimmy Patronis on Citizens Insurance RICO settlement with attorney Scot Strems & associated contractors and his legislative initiatives for the May 23, 2022 special session 5-12-22 Florida Department of Financial Services
Property insurance fraud is driving up rates. So why did Florida convict just 14 in one year? 5-13-22 WFLA-TV
State Rep. Tom Fabricio (R-Miramar) discusses the current problems and potential solutions in Florida’s property insurance marketplace on “NBC Impact” 5-15-22 WTVJ-TV
Governor DeSantis says there’s a framework for “really significant reforms” in the upcoming special session and “failing is not an option.” 5-16-22 The Florida Channel
Florida Office of Insurance Regulation actuary Kayne Smith expresses alarm at loss trends for an insurance company seeking a 22.9% rate increase at a public hearing. 5-17-22 The Florida Channel
First Floridian Insurance Company VP Robert Aaron testifying at rate hearing that although number of AOBs are down, litigation remains steady, due to public adjusters and plaintiff attorneys working around AOB reform law. 5-17-22 The Florida Channel
FedNat Insurance drops 68,200 policies as Governor DeSantis says upcoming special session should bring “significant reforms” 5-17-22 WFLA-TV
Powerful forces aligned against major property insurance reform in upcoming special session of Florida Legislature 5-18-22 WFLA-TV
Nothing in life is free: roofing scams drive up property insurance rates in Florida 5-23-22


Comprehensive look at Florida’s homeowners insurance problem and residents reacting to special legislative session 5-23-22 WFTS-TV
Florida lawmakers race against time to combat the property insurance crisis that’s impacting homeowners and now the real estate market: 'Don’t blame the insurance companies, blame the lawyers' 5-23-22 WFTS-TV
Property Insurance Reform Bill Signed by Florida Gov. DeSantis that some say doesn’t go far enough 5-26-22 WTVJ-TV
South Florida homeowners need new property insurance changes to kick in to deal with surging rates 5-26-22 WFOR-TV
Despite the Florida Legislature passing property insurance reform package is a prediction of continued insurance company failures, dropped policies, and rate increases. 5-26-22 WFLA-TV
Citizens Property Insurance Corporation President & CEO Barry Gilway describes the “absolute historic” December 2022 property insurance refrom package during testimony before the House Appropriations Committee 12-13-22 The Florida Channel


Insurance Resources
Demotech, Inc. (Florida insurance company financial ratings)
Florida Insurance Code
Florida Office of Insurance Regulation
Florida Department of Financial Services (DFS)
DFS Division of Consumer Services Insurance Helpline 
Center for Insurance Policy & Research (NAIC)
Florida Insurance Code
Florida Catastrophic Storm Risk Management Center
FSU Center for Risk Management Education and Research (CRMER)
FIU Wall of Wind
Insurance Journal Research
Insurance Research Council
Insuring Florida (Insurance Information Institute)
The Institutes (Risk & Insurance Knowledge Group)
Scott Johnson’s Insurance Blog
Wharton School’s Pension Research Council
Wharton School’s Boettner Center for Pensions and Retirement Security
Wharton School’s Real Estate Center

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