Lisa Miller & Associates®

Florida wildfires intensifying under drought, insurance commissioner questioning carriers on AI use, new ideas on enabling more storm home-hardening, plus the three clowns busted in the bear suit! Click b.link/54t7of6j #florida #wildfires #drought #propertyinsurance #AI #housing #mitigation #resilience #legislature #insurancefraud #mortgage #condominium #homesales #roofing #firesafety #insuranceregulation #insuranceclaims #insuranceindustry #profitability #underwriting #hurricanes #premiums #surpluslines #homehardening #hardening #disastermanagement #insurancereform #bears #autoinsurance @FLOIR_comm @WiltonSimpson @FLForestService @JeffreyBrandes @FLPolicyProject @MiamiRealtors @TeamAPCIA @IBHS_org @GallagherRe_ @LCI_Florida

New federal mortgage guidance on insurance coverage for roofs and condominium master policies is expected to help housing affordability and insurance availability in Florida and nationwide. Listen/Read: b.link/t8069i15 with Danielle Blake of @MiamiRealtors and Karen Collins of @TeamAPCIA #Florida #propertyinsurance #Mortgage #Lending #FannieMae #FreddieMac #ActualCashValue #ReplacementCostValue #roofing #HousingAffordability #Condominiums #HOA #insuranceregulation #SurfsideCollapse #realestate #buildingsafety #buildinginspection #reserves #transparency #consumer #consumereducation #ReserveRequirements #Agents #podcast

Are Florida's property insurance rates going up or down; a 'somewhat below-average' hurricane season expected; the shyster, the gambler, and the fools; plus Florida's killer drones! lisamillerassociates.com/lma-newsletter… #florida #propertyinsurance #insuranceagent #reinsurance #hurricanepreparedness #hazardmitigation #fraud #premiums #rates #insuranceregulation #mitigation #resilience #hurricanes #consumers #flooding #floodprevention #floodmitigation #floodmanagement #homeownersinsurance #insurancefraud #drones #mosquitocontrol #innovation #collaboration @FLOIR_comm @piafl @marshallgobuty

Federal mortgage lenders relaxing roof insurance coverage requirements, the new 2026 hurricane forecast & cone, FEMA resumes resilience funding, plus how Florida is building a highway in the sky. b.link/oayk5lyu #florida #propertyinsurance #mortgage #roofing #condominiums #hurricanes #homeownersinsurance #agriculture #farmers #insuranceregulation #mitigation #resilience #FEMA #discounts #FannieMae #FreddieMac #ACV #consumers #consumersentiment #NOAA #NHC #hurricanepreparedness #cyclone #BRIC #hazardmitigation #insurancelitigation #engineering #airtaxi #damagereports #airmobility #eVTOL #transportation @SodFatherFL @FLOIR_comm @GeorgeHMiles @Steven Syrcle @flyarcher

To counter a growing number of questionable engineering reports, Florida is proposing rules for improving the accuracy and ethics of damage evaluation reports, often used in insurance claims lawsuits with roofs. Listen/Read: b.link/is3l89ja With @GeorgeHMiles and Steven Syrcle #Florida #propertyinsurance #insuranceclaims #catastrophe #engineers #damage #roofing #inspection #forensicengineering #ethics #fraud #insurancelitigation #fraudulentclaims #tileroof #hurricanes #winddamage #rules #Podcast

Efforts to undo Florida's litigation reforms fail as the gospel now spreads to New York, Court ok's Citizens mandatory arbitration, plus the states with the most homeowners going bare! b.link/lqr2kf5a #florida #legislature #insurancelitigation #propertyinsurance #artificialintelligence #AI #insuranceagent #insurancelicense #claimsmanagement #arbitration #insuranceregulation #homeownersinsurance #homeowners #reform #tortreform #marijuana #legalization #pot #voting #ballotinitiative #drought #water #watersupply #waterrestrictions #coralreef #flooding #floodmitigation #floodmanagement #resilience #coastalresilience #dredging #healthcare #chronicillness #naturopathic #AIDS #alternativedisputeresolution @FLOIR_comm @citizens_fla @pactconsumers @USGS @SenatorAMR

Up to $1.9 Trillion in Florida property at flood risk, Florida auto insurance rates to drop another 8%, the bills not expected to pass the legislature, plus the bogus insurance agent school. b.link/ml50qowx #florida #floodrisk #propertyvalue #flooding #sealevelrise #autoinsurance #propertyinsurance #legislature #insurancefraud #artificialintelligence #AI #insuranceagent #insurancelicense #claimsmanagement #vanillasynthetics #deepfakes #rainfall #flooddamage #floodmitigation #floodmanagement #reinsurance #homerepair #contractors #solicitation #datacenters #electricity #business #economy #homesales #realestate #realtor @PalantirTech @FLOIR_comm @citizens_fla

More frequent wildfires are closing parts of Florida's I-75, crop damage from the freezes now top $3.1B, the unfolding regulator vs. legislator story, plus personal injury settlement without a lawyer? b.link/1psw4zdp #florida #drought #wildfire #disastermanagement #cropdamage #cold #winterstorm #cropdamage #insuranceregulation #surpluslines #legislature #firesafety #workerscompensation #propertyinsurance #prescriptiondrugs #PBM #pharmacist #PharmacyBenefitManager #healthcare #disasterrelief #farmers #agriculture #mitigation #homeownersinsurance #emergencymanagement #insurancelitigation #artificialintelligence #AI #claimsmanagement #personalinjury #tort @FLOIR_comm @citizens_fla @KevinGuthrieFL @FLSERT @FEPA_FL @FDACS @TeamAPCIA @mighty @joshuaschwadron

The $650M break for Florida property insurance policyholders, Florida's statewide drought accelerates wildfire season, plus Waymo's robotaxi arrives in Miami with Ford's first autonomous cop car! b.link/uiya8272 #florida #propertyinsurance #assessment #drought #wildfire #homeownersinsurance #insuranceagents #insuranceregulation #legislature #fraud #insurancefraud #medicaid #mitigation #resilience #flooding #floodrisk #data #FEMA #NFIP #flooddata #autonomousvehicles #Waymo #policecar #police #FIGA @FLOIR_comm @citizens_fla @citizensflanews @fema

Water shortage warnings for South Florida as 99% of Florida is in drought conditions, termites are spreading north faster than predicted, plus the $10K average loss in Florida home values. b.link/74z75kqa #florida #water #drought #legislature #propertyinsurance #policy #termites #insuranceregulation #mitigation #reslience #wind #insurancelitigation #climate #netzero #disasterrecovery #disasterrelief #disastermanagemenet #NFIP #FEMA #RiskRating2.0 #floodinsurance #homesales #housingmarket #retail #regulation @FLOIR_comm @rayperrymang @floridarealtors

No major property insurance law changes expected this session, new rules pending to address questionable engineering reports in insurance claims, plus CEOs endorse AI insurance agents! b.link/suv2nmbi #florida #legislature #propertyinsurance #policy #insurancelitigation #engineer #propertydamage #expertwitness #claims #claimsmanagement #cold #winterstorm #cropdamage #surpluslines #statefarm #LettersofProtection #autoinsurance #personalinjuryprotection #fraud #hurricaneian @healthcarefraud #governmentfraud #AI #artificialintelligence @WiltonSimpson @FDACS @FLOIR_comm

Florida awaits a cold weather disaster declaration, a former condo manager is busted for HOA thefts, another auto insurance rate drop, plus the seaweed forecast for this summer: Bad! b.link/xz2kd8x3 #florida #cold #winterstorm #cropdamage #condominiums #fraud #HOA #consumerprotection #autoinsurance #insurancerates #propertyinsurance #policy #regulation #legislature #tortreform #insurancelitigation #theft #ballotinitiative #marijuana #marijuanalegalization #hurricanemiltion #hurricanehelene #hurricaneidalia #hurricanerecovery #rebuilding #disasterrecovery #disastermanagement #rural #flooding #seaweed #Sargassum #oysters #fishfarming @WiltonSimpson @FDACS @FLOIR_comm @StopLawAbuse @TomFLCALA @TomGaitens

My personal cancer story, business leaders offer new blueprint for Florida building resilience, the effort to re-regulate insurance companies, plus the 'poorly drafted' auto policy! b.link/6r0k6187 #florida #resilience #construction #propertyinsurance #mitigation #policy #regulation #autoinsurance #insurancerates #buildingstandards #legislature #buildingenvelope #buildinginspection #buildingmaterials #buildingperformance #insurancelitigation #reform #AI #claimsmanagement #disaster #hardening #flooding #floodinsurance #floodrisk #floodprevention #floodmitigation #floodmanagement #fraud #contractor #buildingcode @FLOIR_comm @Nuvation_Bio @FloridaC100 @Eric Silagy @George_LeMieux @AlabamaDOI @StopLawAbuse @FloridaTaxWatch

Governor DeSantis 'holds firm' on property insurance reforms as the legislature begins its second week, plus the smiling man suggesting a private market takeover of most federal flood insurance policies: b.link/56b7vh87 #florida #propertyinsurance #policy #insurancerates #legislature #affordability #insurancelitigation #reform #floodinsurance #NFIP #FEMA #AI #regulation #claimsmanagement #reinsurance #fraud #contractor #hurricanemilton #agriculture #rural #NeptuneFlood @FLOIR_comm @citizens_fla @dartmouth94 @NeptuneFlood

A preview to the Florida legislative session, Milton claims grow another $850M, another federal flood insurance program shutdown is pending, and New York learns Florida's lessons. Click b.link/qcsc1qnl #florida #propertyinsurance #policy #artificialintelligence #AI #legislature #hurricanemilton #claimsmanagement #insurancelitigation #regulation #insurancerates #catastrophe #insuranceclaim #disastermanagement #publicadjuster #reinsurance #roofing #repair #resiliency #mitigation #rebuilding #homehardening #floodinsurance #fraud #hurricanes #hurricanemelissa #dogs #animalrescue #lifelessons #newyork #FEMA #NFIP #MySafeFloridaHome #govtshutdown @FLOIR_comm @GovGoneWild @citizens_fla @Bob_Hartwig @TeamAPCIA

Thank you to everyone who was able to attend our holiday party & fundraiser for Last Hope Rescue on December 13. Thanks to your over $10,000 in donations, we were also able to deliver 110 bags of dog food to Elder Care Services of the Big Bend, so that our seniors can feed their animals that they love so much! We also shared the larger bags with the Gadsden County Animal Shelter. More on the video below! facebook.com/reel/260809752…

Commissioner Yaworsky leads Florida's insurance conversation, CFO Ingoglia targets insurance companies & businesses on immigration, questions on sinking high-rise condo buildings, plus a plea to adopt, not shop! Click b.link/2qeihvjw #florida #propertyinsurance #insurancerates #consumers #legislature #insurancelitigation #autoinsurance #reinsurance #tortreform #legalreform #premiums #insuranceregulation #inflation #underwriting #claimsmanagement #immigration #illegalaliens #CitzensPropertyInsurance #arbitration #consumersentiment #workerscompensation #hurricanes #oildrilling #offshoredrilling #skyscrapers #condominiums #buildingperformance #buildingsafety #foreclosures #housing #worms #fertilizer #pollution #recycling @FLOIR_comm @GovGoneWild @citizens_fla @LlcPrag