At this point, it seems that Hurricane Florence will strike and cause damage to buildings and homes beginning on Thursday, September 13, 2018. While hurricanes seem to always have an ingredient of unpredictability, the experts at the National Hurricane Center are warning of extreme winds, intense rain and storm surge.
Continue Reading What Your Property Insurance Company Doesn’t Want You to Know about Hurricane Florence

Once Hurricane Irma passes and recovery efforts begin, the many volunteers who agreed to serve on boards of community associations will have daunting challenges. Buildings will need to be secured from further water intrusion, and units that are water-soaked will need to be dried out. The storm debris ranging from damaged landscaping to destroyed roofing and other building materials will need to be removed. Many of these items will be critical path tasks to return properties to safe, habitable condition. Failure to effectively and quickly cope with dangerous conditions on the property may mean the difference to residents of whether the local building officials or fire marshal condemn the property and prohibit occupancy pending extensive repairs.
Continue Reading Emergency Powers Exists to Enable Hurricane Recovery for Florida Community Associations

Critics thought that the storm was hyped too much because for such a long time, it was known only as a TD9. Now, Hurricane Hermine has made landfall as a Category One Hurricane just east of St. Marks, Florida but the impact that this storm has caused severe impacts many counties. A state of emergency has already been declared for 51 counties in Florida.


Continue Reading Hurricane Hermine has Vast Impact

It is hard to imagine any Florida property insurers not making a killing in 2009. With no hurricanes or significant tropical storms, the most financially devastating peril was eliminated. Yet, over 100 Florida residential property insurers reported losses.


Continue Reading Are Wind Mitigation Credits Killing Profits of Florida Insurers?

My appointment by Florida’s Governor Charlie Crist to the Citizens Mission Review Task Force afforded me the opportunity to learn about and have a small voice in the Florida insurance marketplace. At War With the Weather: Managing Large-Scale Risks in a New Era of Catastrophes is a significant academic work which our regulators and legislators must read and understand to fully appreciate the complexity of the property insurance issues in Florida and elsewhere. I wish it had been published while I was serving on that Committee. The historic lessons and current conclusions contained in this book are important to everybody living and working along Coastal areas.


Continue Reading “At War With The Weather” is a Must Read for Those Involved in the Debate of the Florida Property Insurance Market

The Tampa Tribune ran an editorial on January 12th regarding the Citizens Mission Review Task Force. As usual, I had something to say about their opinion, and wrote the the following reply, which was published in Sunday’s paper:

Florida Dangerously Vulnerable

This is in response to the Jan. 12 editorial, "New Ideas Could Bring