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Hello, I’m Lisa Miller, a passionate writer. My words weave tales that evoke emotions, spark imagination, and foster connection. Through my stories, I aim to inspire and transport readers to worlds of wonder and introspection.
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The Florida Insurance Roundup from Lisa Miller & Associates
The Florida Insurance Roundup from Lisa Miller & Associates
"The Florida Insurance Roundup" podcast from Lisa Miller & Associates, is your program on the people, issues, and regulations shaping Florida’s Insurance Market. Lisa, a former deputy insurance commissioner, brings you the latest developments in Property & Casualty, Healthcare, Workers' Compensation, Litigation, and Surplus Lines insurance from around the Sunshine State. She is a nationally-recognized disaster insurance and recovery expert. Based in the state capital of Tallahassee, Lisa Mil ...
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One of the elements credited in the evolving success of Florida’s recent property insurance reforms is data collection and reporting. Property insurance companies are required to provide regulators with specific data on litigated claims. The number of lawsuits decreased significantly in 2024 as a result and with it, upward pressure on homeowners in…
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Amid accusations that Florida’s property insurance companies, including state-backed Citizens Insurance, are deliberately paying only half their claims and “in a state of collapse,” comes new insight and fresh data that debunk the charges. The man behind the allegations is Martin Weiss of Weiss Ratings, who’s now the subject of an investigation by …
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When it comes to the world of filmmaking, few names resonate with as much credibility as Jake Seal. Renowned for his work as a film producer, studio builder, and mentor, Jake has dedicated his career to helping storytellers bring their visions to life. For aspiring directors, his wisdom is nothing short of a treasure trove.…
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A director’s ability to work with actors can make or break a film. Jake Seal, a renowned film producer and industry expert, emphasizes the importance of nurturing a productive and creative relationship with actors to achieve outstanding performances.由Lisa Miller
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Experiencing an accident can leave lasting physical and emotional effects, often disrupting daily life. Suhyun An, a highly regarded chiropractor, emphasizes chiropractic care's vital role in post-accident recovery. From addressing pain to restoring mobility, chiropractic treatments offer a comprehensive approach to healing.…
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As the entertainment industry evolves, film production studios are undergoing significant transformations to meet new technological advancements, audience expectations, and industry demands. Jake Seal, a visionary film producer and founder of Orwo Studios, shares his insights on the future of film production studios and what it means for filmmakers…
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In this episode, Jake Seal Black Hangar dives into the growing global influence on Hollywood filmmaking. He explores how international markets, cross-cultural collaborations, and streaming platforms are reshaping the industry.由Lisa Miller
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Car accidents can be life-changing, leaving victims with both visible and invisible injuries. Suhyun An, a leading chiropractic expert, emphasizes the importance of seeking chiropractic care after a car accident to ensure comprehensive recovery and long-term well-being. This podcast explores why chiropractic care is essential for car accident victi…
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Chiropractic care has grown in popularity due to its non-invasive, holistic approach to enhancing physical health. Suhyun An, a renowned chiropractor, believes that chiropractic adjustments are key to improving mobility for people of all ages. In this podcast, Dr. An shares insights into how chiropractic care.…
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Jake Seal highlights the critical role of pre-production in filmmaking. According to Jake Seal, thorough planning not only optimizes budgets and time but also brings creative visions to life. With careful pre-production, filmmakers can avoid setbacks, ensuring a smoother, more efficient shooting process and a successful final product.…
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In sports, injuries can often feel like an inevitable hurdle. Whether it's a sprained ankle, a strained back, or a more serious injury, athletes are always at risk. Suhyun An, a well-regarded chiropractor, emphasizes the importance of chiropractic care in helping athletes recover from injuries, improve their performance, and prevent future injuries…
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As the film industry continues its digital evolution, filmmakers face both unprecedented opportunities and unique challenges. Jake Seal, a pioneer in modern filmmaking, has been instrumental in empowering filmmakers to navigate and thrive in this digital-first landscape.由Lisa Miller
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Join Jake Seal Black Hangar, in this episode as he explores the transformative power of mentorship in filmmaking. Discover how mentorship fosters creativity, builds confidence, and empowers new talent to thrive in the industry.由Lisa Miller
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Chiropractic care offers a holistic approach to addressing a variety of ailments, from chronic pain to tension headaches. Suhyun An, a renowned chiropractor, highlights five effective techniques that relieve and support overall wellness. By targeting the body’s musculoskeletal and nervous systems, these techniques aim to restore balance, alleviate …
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Jake Seal, a seasoned film producer and visionary, strongly believes that old movies hold timeless lessons that today’s filmmakers can harness to elevate their craft. In an era where technology is revolutionizing filmmaking, Jake Seal emphasizes the importance of studying classic cinema to understand the fundamentals of storytelling and cinematogra…
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Why were some homes in Hurricanes Helene and Milton heavily damaged while others sustained little or no damage? Much of the answer lies with the building materials and techniques used in their construction. Former Florida Deputy Insurance Commissioner Lisa Miller talks with a building science researcher, a building products manufacturer, and a deve…
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Becoming a film producer is a dream for many aspiring creatives who want to bring their stories to life. However, breaking into the industry can only be challenging with the right approach and mindset. Jake Seal, a veteran in the film industry, shares key insights on how to land your first job as a film producer.…
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Pregnancy is a beautiful journey, but it often comes with physical discomfort and stress on the body. Many expectant mothers seek natural, non-invasive ways to manage pain and maintain overall wellness throughout their pregnancy. Suhyun An, a renowned chiropractor, emphasizes chiropractic care.由Lisa Miller
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Sciatica can be debilitating, causing sharp, radiating pain that affects your lower back, legs, and overall mobility. Chiropractic therapy is a non-invasive and effective way to relieve this discomfort. Suhyun An, a renowned chiropractor, shares how specialized chiropractic techniques can target the root cause of sciatica.…
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In the world of filmmaking, tight budgets can be a significant challenge, but they don’t have to be an obstacle to creativity. Jake Seal, a seasoned film producer with years of experience, has mastered the art of creating compelling films even when financial resources are limited. His practical approach offers invaluable advice for filmmakers facin…
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In this episode, Jake Seal Black Hangar shares his expert insights on crafting visually striking films. Discover the power of composition, the art of lighting, and how color can elevate your storytelling.由Lisa Miller
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In this episode, fitness expert Jordon Bevan shares essential tips for preventing weightlifting injuries. From proper warm-ups and techniques to listening to your body and incorporating recovery days, Jordon provides valuable insights to help you lift safely and effectively. Tune in for a safer workout experience!…
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Jake Seal, a renowned film producer and entrepreneur, shares his expert insights on marketing a successful film studio. Drawing from his experience with studios like Orwo Studios, Jake Seal reveals the key strategies that attract top filmmakers, production companies, and clients.由Lisa Miller
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What’s going on with property insurance in Florida? Specifically rates, coverage, condominiums, automobile insurance, telematics, flood insurance, and the reinsurance costs that carriers pass along to consumers. Former Florida Deputy Insurance Commissioner Lisa Miller gets to the heart of the issues with three experienced insurance agents in South,…
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High-risk flood zones are expanding this year along significant stretches of Florida’s coastline. In Broward County, nearly 90,000 properties have been moved into a FEMA flood zone. But 80,000 of them were in such a zone prior to ten years ago, when FEMA moved them out – only to add them back in this year. Many will now have to purchase flood insur…
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A new working paper from the Congressional Budget Office estimates that for every dollar spent to elevate or buy-out a flooded home, $2.69 would be saved in future costs over the next 30 years. Of the 1.3 million projects the paper identifies, roughly 138,000 would see a greater savings of $6 dollars. Total savings would amount to $519 billion in f…
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A new report claims that Florida's property insurance market is full of “low quality insurers,” especially those Florida-based companies that write the bulk of the 7.5 million homeowners and condo insurance policies. It casts aspersions on Demotech, the rating agency that reviews their financial stability. Former Florida Deputy Insurance Commission…
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How will the insurance bills that passed in the recently completed 2024 Florida legislative session compliment past marketplace reforms? Is a property insurance market marred by carrier insolvencies in recent years and ongoing double-digit rate increases starting to stabilize? Former Florida Deputy Insurance Commissioner Lisa Miller talks with two …
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Ray Shelton, Ph.D. is a nationally-known expert on stress and the impacts it has on frontline personnel in disasters and other crises. He is a Fellow and the Director of Professional Development for The American Academy of Experts in Traumatic Stress, in Miller Place, New York. He’s seen tragedy first-hand over 35 years serving with the Nassau Coun…
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Advances in artificial intelligence (AI) and machine learning are getting closer to providing insurance companies with a new underwriting tool to combat fraud: the ability to review meeting minutes and other public documents from homeowners and condominium associations, whose communities are home to nearly half of Florida’s 22.3 million residents. …
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Media coverage has intensified over an allegation by three independent insurance adjusters that Florida property insurance companies are cheating their policyholders out of rightful claim payouts. The three accuse the industry of altering their field adjuster reports and reducing claim payouts – all without their knowledge or approval. Former Flori…
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An interim report submitted to the Florida Building Commission says that Southwest Florida coastal communities impacted by last September’s Hurricane Ian were “ill-prepared” for the storm surge and flooding, despite lessons on wind mitigation learned from Hurricane Charley 18 years earlier. Ian was the costliest storm in Florida history, killing 15…
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The December 2022 property insurance market reforms passed by the Florida Legislature are making a big difference already, with fewer and less severe non-hurricane claims and fewer daily lawsuits, according to a major Florida insurance company. Former Florida Deputy Insurance Commissioner Lisa Miller talks with Stacey Giulianti of Florida Peninsula…
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Florida property insurance companies, their policyholders, and repair contractors are starting the New Year with a new law designed to reform an out-of-control marketplace. The Florida Legislature in December passed comprehensive measures to stem high insurance and reinsurance rates, carrier insolvencies, inflated claims, excessive litigation, and …
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The Florida Legislature is meeting in special session the week of December 12 to address two issues vital to Florida’s economy: disaster relief for Hurricane Ian victims and further insurance consumer protections for homeowners across the state. Property insurance and reinsurance rates have grown by 100% or more in the past three years, yet insuran…
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Most damage from Hurricane Ian appears to be from flooding, rather than wind, and thus won’t be covered under most Florida homeowners insurance policies. Insurance adjusters face a challenging job now determining whether it was wind or water or both that damaged a home, and in some cases in what order, for hundreds of thousands of properties across…
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Alternative dispute resolution – including appraisal – is playing an increasingly important role in settling homeowners property insurance claims. Florida’s 2019 Assignment of Benefits (AOB) law requires third party contractors to utilize these alternatives before filing a lawsuit against an insurance company, if required by the policy. Former Flor…
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The Florida Legislature in a May special session passed a series of reforms to help stabilize a property insurance market that has seen a growing number of carriers stop writing business or becoming insolvent. Homeowners rates keep growing by double-digits and coverage is increasingly difficult to obtain. Former Florida Deputy Insurance Commissione…
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The Florida Legislature will meet in a special session May 23-27 called by Governor Ron DeSantis to “bring some sanity and stabilize” Florida’s property insurance market. Homeowners are suffering big rate increases and some have lost their coverage, while a growing number of insurance companies are going insolvent or reducing or eliminating their p…
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Beside their direct impact on Florida homeowners, multiple double-digit rate increases in property insurance are impacting Florida’s real estate market as well. If rates continue to rise, there’s concern they will affect the availability and affordability of insurance for new homebuyers. Former Florida Deputy Insurance Commissioner Lisa Miller expl…
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The Florida Legislature begins its 2022 session on January 11. Among the bills filed are those seeking enhanced insurance consumer protection, greater safety for high-rise condominium buildings following the Surfside collapse, COVID-19 relief, controls on prescription drug costs, and legislative redistricting. Former Florida Deputy Insurance Commis…
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Florida Insurance Commissioner David Altmaier told a legislative committee in late September that the state’s property insurance market is in “critical condition” with a growing number of insurance companies losing money and consumers facing continued double-digit rate increases. A new set of reforms designed to help is already being challenged in …
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In the wake of the Champlain Towers South condominium building collapse, insurance companies are looking to tighten their underwriting requirements on Florida condo association policies. Policy renewal premiums are expected to increase up to 25% for those that can’t show a good building maintenance record. While the commercial residential market ti…
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Florida’s new property insurance reform law takes effect on July 1. While its intent is good, Florida policyholders are in desperate need for the law to have a significant impact on double-digit rate increases and questionable door-to-door solicitation practices. Will it deliver? Former Florida Deputy Insurance Commissioner Lisa Miller walks us thr…
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The Florida Legislature has passed a property insurance reform bill designed to stem double-digit rate increases, costly claims practices, and excessive litigation. While the bill awaits the Governor’s expected signature into law, there are questions about just how effective it will really be. Host Lisa Miller, a former Florida Deputy Insurance Com…
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Florida’s residential and commercial property insurance market is in a precarious state of flux, for both insurance companies and consumers. Old hurricane claims, litigation abuse, and fraudulent repair tactics have led to big underwriting losses and rising reinsurance rates. Those are being passed along to Florida residents in double-digit rate in…
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Whether you’re an insurance consumer or professional, 2020 is providing lessons and insight into the changing Florida insurance market for 2021. How can you get the best priced coverage for your needs? And for insurance professionals, how can you better serve your customers now and in the long-run? Host Lisa Miller, a former Florida Deputy Insuranc…
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As hurricane season heats up, a growing number of properties located outside of FEMA-designated high-risk flood zones are actually flooding. The problem is especially bad in the urban areas of America’s cities. A national survey shows nearly 85% report experiencing urban flooding. Insurance claims are on the rise, too. Host Lisa Miller, a former de…
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The invisible coronavirus' crushing impact is being felt by businesses small and large – and on the insurance companies that insure those businesses. But for those organizations with business interruption policies, do they have a valid insurance claim because the government shut them down and/or their business was "interrupted"? There’s a lot of di…
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In the six months since legislative reform, insurance companies report the number of Assignment of Benefit (AOB) claims in Florida are way down as are related lawsuits. But they’re also seeing new strategies by contractors and their attorneys to work around the reforms. On the other side, contractors complain that without the “old AOB,” they’re get…
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