Shows
The Aware ShowBest Of The Aware Show With Lisa Miller, Ph.D. Our Quest for an Inspired LifeDo you long for something deeper in your life? Are you innately drawn toward spirituality and curious about what you may find? Do you think we as humans are naturally wired to search for deeper meaning in our lives? Whether it be a walk in the woods, or through mediation or prayer, our guest today, Dr. Lisa Miller, believes that we are naturally able to tap into a heightened awareness of the world around us. We are able to cultivate circuits in our brains which help us to become more spiritually aware. By developing this awareness, we can begin to...
2025-11-2059 min
Music's Rising Stars (Formerly Podcast Sista)Meet Weakened Friends Sonia Sturino & Annie Hoffman on Music's Rising StarsCheck out Weakened Friends at https://www.weakenedfriends.com/MUSIC'S RISING STARS features singers, songwriters & musicians who are on their way to the top. Join your Podcast Host Lisa Miller for interesting guest interviews and meet the rising stars of Country, Rock, Pop & More. Each episode features two SONG SNIPPETS allowing listeners to get a taste of the music being talked about during the recording artist's interview. If you like to discover new music, then you've come to the right place. Follow us on YouTube, X, Instagram, TikTok, and Facebook @MusicsRisingStars.
2025-10-2824 minMusic's Rising Stars (Formerly Podcast Sista)Meet Country Singer-Songwriter & Musician Ja'Cee on Music's Rising StarsCheck out Ja'Cee at www.Jaceemusic.comMUSIC'S RISING STARS features singers, songwriters & musicians who are on their way to the top. Join your Podcast Host Lisa Miller for interesting guest interviews and meet the rising stars of Country, Rock, Pop & More. Each episode features two SONG SNIPPETS allowing listeners to get a taste of the music being talked about during the recording artist's interview. If you like to discover new music, then you've come to the right place. Follow us on YouTube, X, Instagram, TikTok, and Facebook @MusicsRisingStars.
2025-10-2120 min
Music's Rising Stars (Formerly Podcast Sista)Meet Lead Singer-Songwriter Alyse Zavala from LYLVC on Music's Rising StarsCheck out LYLVC at https://lylvc.com/MUSIC'S RISING STARS features singers, songwriters & musicians who are on their way to the top. Join your Podcast Host Lisa Miller for interesting guest interviews and meet the rising stars of Country, Rock, Pop & More. Each episode features two SONG SNIPPETS allowing listeners to get a taste of the music being talked about during the recording artist's interview. If you like to discover new music, then you've come to the right place. Follow us on YouTube, X, Instagram, TikTok, and Facebook @MusicsRisingStars.
2025-10-1622 min
Music's Rising Stars (Formerly Podcast Sista)Meet Ana Cristina Cash, Country Singer-Songwriter, on Music's Rising StarsCheck out Ana Cristina Cash on Instagram at https://www.instagram.com/anacristinacash/?hl=enMUSIC'S RISING STARS features singers, songwriters & musicians who are on their way to the top. Join your Podcast Host Lisa Miller for interesting guest interviews and meet the rising stars of Country, Rock, Pop & More. Each episode features two SONG SNIPPETS allowing listeners to get a taste of the music being talked about during the recording artist's interview. If you like to discover new music, then you've come to the right place. Follow us on YouTube, X, Instagram, TikTok...
2025-10-1327 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 60 – Our Growing Catastrophe RiskA new report from Verisk predicts a “new reality” in future natural catastrophes, with unprecedented global losses to exceed $152 billion annually. It’s being driven by “frequency perils” − frequent events, such as daily afternoon summer storms and hurricanes, that are driving high-impact losses.Former Florida Deputy Insurance Commissioner Lisa Miller sits down with a Verisk modeler and a Florida property insurance company meteorologist and risk analyst, to discuss how catastrophe modeling works, how insurance companies use it to set homeowners rates, and its importance in understanding and mitigating extreme weather risks now and in the future.Show...
2025-10-1334 min
Music's Rising Stars (Formerly Podcast Sista)Meet Meecah, Singer-Songwriter & Actress, on Music's Rising StarsCheck out Meecah's Instagram at https://www.instagram.com/meecah/reels/.MUSIC'S RISING STARS features singers, songwriters & musicians who are on their way to the top. Join your Podcast Host Lisa Miller for interesting guest interviews and meet the rising stars of Country, Rock, Pop & More. Each episode features two SONG SNIPPETS allowing listeners to get a taste of the music being talked about during the recording artist's interview. If you like to discover new music, then you've come to the right place. Follow us on YouTube, X, Instagram, TikTok, and Facebook @MusicsRisingStars.
2025-10-1321 minMusic's Rising Stars (Formerly Podcast Sista)Interview w/Country Singer-Songwriter Ansel Brown on Music's Rising StarsVisit Ansel Brown's website at https://anselbrown.com/MUSIC'S RISING STARS features singers, songwriters & musicians who are on their way to the top. Join your Podcast Host Lisa Miller for interesting guest interviews and meet the rising stars of Country, Rock, Pop & More. Each episode features two SONG SNIPPETS allowing listeners to get a taste of the music being talked about during the recording artist's interview. If you like to discover new music, then you've come to the right place. Follow us on YouTube, X, Instagram, TikTok, and Facebook @MusicsRisingStars. Visit our website at MusicsRisingStars.com.
2025-09-1733 min
Music's Rising Stars (Formerly Podcast Sista)Interview w/ July Moon, All-Female Trio from Nashville, on Music's Rising StarsVisit July Moon at https://www.julymoonofficial.com/MUSIC'S RISING STARS features singers, songwriters & musicians who are on their way to the top. Join your Podcast Host Lisa Miller for interesting guest interviews and meet the rising stars of Country, Rock, Pop & More. Each episode features two SONG SNIPPETS allowing listeners to get a taste of the music being talked about during the recording artist's interview. If you like to discover new music, then you've come to the right place. Follow us on YouTube, X, Instagram, TikTok, and Facebook @MusicsRisingStars. Visit our website at MusicsRisingStars.com.
2025-08-2925 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 59 – How Secure is Florida's Property Insurance Market?An article in the Wall Street Journal suggests that Florida’s property insurance market is inherently flawed and financially shaky, under the review of a smaller ratings company. It cites the 12 insurance company insolvencies between 2019 and 2023 in a market painted as over-reliant on reinsurance. Former Florida Deputy Insurance Commissioner Lisa Miller sits down with Demotech President & CEO Joe Petrelli and former Florida Insurance Commissioner Kevin McCarty to explain the unique nature of Florida’s market, how financial ratings of insurance companies are formulated, the critical role of reinsurance, the confusion between rate and premium, and the real r...
2025-08-2536 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 58 – The 17 Reasons Your Florida Claim Wasn’t PaidNine months after hurricanes Helene and Milton struck Florida, new insurance claims data is revealing the growing amount of damage not covered by insurance. Of the more than half a million combined claims filed so far, 56% of Helene residential claims were closed without payment and about 43% of Milton residential claims. A closer look shows the majority were uninsured or underinsured.Former Florida Deputy Insurance Commissioner Lisa Miller sat down with the heads of an insurance agency and a claims adjusting firm to find out why this is happening, how to determine proper coverage this hurricane se...
2025-07-0831 min
The Owner's Box @WashU OlinS2: E6: Employee Ownership in Private Equity Deals with Anna-Lisa Miller of Ownership WorksIn today’s episode, Peter Boumgarden sits down with Anna-Lisa Miller, Executive Director of Ownership Works. Her organization is built on a bold premise: that employee ownership—typically seen as separate from private equity—might actually enhance the impact of a private equity deal. It’s a rare intersection of two ownership models, and Anna-Lisa provides a peak beneath the hood of this design. Listen in as we explore how these approaches can work together—and what that could mean for the future of finance-led ownership transitions in the middle market.Special Guest: Anna-Lisa Miller.
2025-05-2240 minMusic's Rising Stars (Formerly Podcast Sista)Behind the Podcast with Podcast Sista LisaLISTEN TO PODCAST SISTA & DISCOVER THE STORY BEHIND THE MUSIC. Meet singers, songwriters & musicians who are living the dream and talking about it on Podcast Sista! Join LISA for interesting guest interviews and enjoy the music. Follow us on YouTube, Spotify, Twitter, Instagram @PodcastSista, Facebook @PodcastSistas, TikTok @Podcast_Sista. Visit our website at https://podcastsista.com.
2025-05-0620 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 57 - Florida’s Property Insurance Reforms: Lessons Learned from Workers’ CompA multi-bill effort led by attorney lawmakers in the Florida House of Representatives would roll-back many property insurance litigation reforms passed in the 2022-2023 legislative session. Those reforms are reminiscent of the Workers’ Compensation insurance reforms passed in the early 2000’s that today has Florida boasting one of the lowest workers’ comp rates in the country. Former Florida Deputy Insurance Commissioner Lisa Miller talks with Jon Shebel, former President & CEO of Associated Industries of Florida who led the workers’ comp efforts. Shebel draws direct comparisons between both reform efforts, argues that the proposed bills this session don’t help...
2025-04-1927 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 56 – Florida Property Insurance: Facts vs. FearA sensational newspaper article alleging bad deeds by Florida insurance companies is prompting the Florida House of Representatives to look into the relationship between companies and their Managing General Agents (MGAs) and affiliated companies. The Tampa Bay Times reported the companies diverted billions of dollars to affiliates while claiming to lose money from hurricanes, based on the newspaper’s reading of a regulator’s draft report.Former Florida Deputy Insurance Commissioner Lisa Miller reveals the inadequacies of the article and its misleading and incomplete portrayal of the market and regulation. She’s joined by a veteran Florida...
2025-03-1032 min
The Aware ShowBest Of The Aware Show With Lisa Miller, Ph.D. Our Quest for an Inspired LifeDo you long for something more in your life? Are you innately drawn toward spirituality? Do you think we as humans are naturally wired to look for deeper meaning in our lives? Whether it be a walk in the woods, or through mediation or prayer, our guest today, Dr. Lisa Miller, believes that we are naturally able to tap into a heightened awareness of the world around us. We are able to cultivate circuits in our brains which help us to become more spiritually aware. By developing this awareness, we can begin to free ourselves from depression, anxiety, loss of...
2025-03-0657 minMusic's Rising Stars (Formerly Podcast Sista)Singer-Songwriter LIV HATFIELD Talks Music with Podcast Sista LisaFor more information about Liv Hatfield, visit https://www.livhatfieldmusic.com/LISTEN TO PODCAST SISTA & DISCOVER THE STORY BEHIND THE MUSIC. Meet singers, songwriters & musicians who are living the dream and talking about it on Podcast Sista! Join LISA for interesting guest interviews and enjoy the music. Follow us on YouTube, Spotify, Twitter, Instagram @PodcastSista, Facebook @PodcastSistas, TikTok @Podcast_Sista. Visit our website at https://podcastsista.com.
2025-02-0926 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 55 – Litigation Data StandardOne 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 insurance rates. Now there’s a push to implement a litigation data standard nationwide. Former Florida Deputy Insurance Commissioner Lisa Miller sits down with CaseGlide CEO Wesley Todd who is behind the move, citing increasing nuclear verdicts and new challenges in other lines impacting insuranc...
2025-01-0627 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 54 – The Truth Behind the 50% Claims DenialAmid 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 state insurance regulators.Former Florida Deputy Insurance Commissioner Lisa Miller shares the new push-back from Citizens’ President & CEO on these accusations and sits down with the head of a large private insurance company who shares new data showing why these charges are inaccur...
2024-12-0932 minMusic's Rising Stars (Formerly Podcast Sista)Birdie Nichols Talks to Podcast Sista Lisa about Debut EP "Into The West"For more information about Birdie Nichols, visit https://www.birdienichols.com/
LISTEN TO PODCAST SISTA & DISCOVER THE STORY BEHIND THE MUSIC. Meet singers, songwriters & musicians who are living the dream and talking about it on Podcast Sista! Join LISA for interesting guest interviews and enjoy the music. Follow us on Twitter, Instagram & Facebook @PodcastSista. Visit our website at https://podcastsista.com.
2024-11-1925 min
The Kim Gravel ShowDiscover the POWER of Spirituality for Mental Health with Dr. Lisa MillerThis week, psychologist Dr. Lisa Miller shares her groundbreaking research on how spirituality can improve mental health and well-being. Whether you're already spiritual or just curious, we discuss how nurturing your spirit can strengthen your brain, reduce anxiety, and bring peace. Dr. Miller also shares exercises to deepen our spiritual connection. Get ready to be physically, mentally, and emotionally inspired in this week’s episode!In this episode:
Why spirituality is innate in all of us
How a spiritual life is beneficial mentally and physically
The three bridges of spirituality in aging
How to...
2024-11-131h 05Music's Rising Stars (Formerly Podcast Sista)Country Singer-Songwriter Robby Johnson Talks Music on Podcast Sista Lisa, New Single "Road I'm On"For more information about Robby Johnson, visit https://www.robby-johnson.com/
LISTEN TO PODCAST SISTA & DISCOVER THE STORY BEHIND THE MUSIC. Meet singers, songwriters & musicians who are living the dream and talking about it on Podcast Sista! Join LISA for interesting guest interviews and enjoy the music. Follow us on Twitter, Instagram & Facebook @PodcastSista. Visit our website at https://podcastsista.com.
2024-11-1035 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 53 – Fortified HomesWhy 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 developer whose homes survived unscathed from the hurricanes about how resilient construction can save money and insurance costs for both new and existing homes. Show Notes (For full Show Notes, visit https://lisamillerassociates.com/episode-53-fortified-homes/) Host Lisa Mille...
2024-10-2740 minMusic's Rising Stars (Formerly Podcast Sista)Cali Tucker, Country Recording Artist & Vegas Headliner, Making Her Mark In MusicVisit CaliTucker.com
LISTEN TO PODCAST SISTA & DISCOVER THE STORY BEHIND THE MUSIC. Meet singers, songwriters & musicians who are living the dream and talking about it on Podcast Sista! Join LISA for interesting guest interviews and enjoy the music. Follow us on Twitter, Instagram & Facebook @ TikTok @PodcastSista. Visit our website at https://podcastsista.com.
2024-09-2634 minMusic's Rising Stars (Formerly Podcast Sista)Country Rock Singer Rusty Steel Releases Debut Album "One Boot Across the Line"LISTEN TO PODCAST SISTA & DISCOVER THE STORY BEHIND THE MUSIC. Meet singers, songwriters & musicians who are living the dream and talking about it on Podcast Sista! Join LISA for interesting guest interviews and enjoy the music. Follow us on Twitter, Instagram & Facebook @PodcastSista. Visit our website at https://podcastsista.com.
2024-09-1731 minMusic's Rising Stars (Formerly Podcast Sista)William Lee Golden & Danni Stefanetti Talk About New Single "I've Got My Heart On You"William Lee Golden & Danni Stefanetti Release New Single, "I've Got My Heart on You"
LISTEN TO PODCAST SISTA & DISCOVER THE STORY BEHIND THE MUSIC. Meet singers, songwriters & musicians who are living the dream and talking about it on Podcast Sista! Join LISA for interesting guest interviews and enjoy the music. Follow us on Twitter, Instagram & Facebook @PodcastSista. Visit our website at https://podcastsista.com.
2024-09-1243 minMusic's Rising Stars (Formerly Podcast Sista)Casandra Carson, Heavy Metal Singer-Songwriter & Guitarist, Rocks With ParalandraParalandra hails from Springfield, Missouri, and formed in the summer of 2013 when Casandra Carson and her dad, Paul Carson, began writing songs together to play a one-time event at their local county 4th of July celebration. The response was so positive, and they enjoyed it so much, they decided to continue booking shows and writing songs. They recorded and released a homemade CD titled Rise Up; which sold over 1,000 copies at local shows. Shortly after, friend and local musician, Sawyer Rikard, joined the band on bass guitar in 2015, bringing their stage sound and performance to another level. In March...
2024-09-0629 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 52 – Agent RoundtableWhat’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, Central, and North Florida who share their insights and suggestions on improving Florida’s challenging property insurance market. Show Notes Host Lisa Miller and guests discussed the high premiums affecting homeowners and auto insurance, driven by catastrophic weather, inflation, litigation, and reinsura...
2024-08-3033 minMusic's Rising Stars (Formerly Podcast Sista)Kate Stanton, Indie Singer-Songwriter, Capturing Audiences with "Dream Pop" MusicIndie singer-songwriter Kate Stanton is known for her poetic lyrics & soothing soundscapes. Visit Kate Stanton's Social Media Link at https://linktr.ee/KateStanton and on Spotify, X, Instagram @ KateStantonSing.
LISTEN TO PODCAST SISTAS & DISCOVER THE STORY BEHIND THE MUSIC. Meet singers, songwriters & musicians who are living the dream and talking about it on Podcast Sistas! Join LISA for interesting guest interviews and enjoy the music. Follow us on Twitter, Instagram & Facebook @PodcastSistas. Visit our website at https://podcastsistas.com.
2024-08-2825 minMusic's Rising Stars (Formerly Podcast Sista)Gil Karson and The Karson City Rebels, Rolls Out New Americana Rock + Blues SongsAbout The Karson City Rebels: Karson City Rebels delivers a stoked retro blend of Americana-rock, blues and Bakersfield sound to the music scene. Led by Gil Karson (lead singer), Karson formed the group following a sabbatical to focus on raising his family and embarking on a successful career in film direction and production to “answer the call” to return to his inherited love–music and live performance.
Made up of multi-instrumentalist Jon Adams, guitarists Kyle Appleton and Chris Brooks, Brian Burwell (on drums), and Jon Greathouse (on keyboards and vocals), the newly organized six-member triple threat gr...
2024-08-2025 minMusic's Rising Stars (Formerly Podcast Sista)NEW SPOTIFY VIDEO: Annie Vander, Country Singer-Songwriter, Releases New Single "Rock In My Shoe"ARTIST TO WATCH: ABOUT ANNIE VANDER, COUNTRY SINGER-SONGWRITER
Annie Vander is a rising star with a story of resilience and passion that shines through in her music. Hailing from Illinois, Annie's journey to the music industry was shaped by life-changing obstacles, including a CRPS diagnosis, that ultimately led her back to her true calling. Drawing inspiration from 90s rock, pop, and modern country, Annie has cultivated a unique sound and image that resonates with fans.
Annie's debut radio release, "Falling Into Nashville," made waves on country radio and secured her a spot on the prestigious Music Row Country Breakout...
2024-08-1524 minMusic's Rising Stars (Formerly Podcast Sista)Annie Vander, Country Singer-Songwriter, Releases New Single "Rock In My Shoe"ARTIST TO WATCH: ABOUT ANNIE VANDER, COUNTRY SINGER-SONGWRITER
Annie Vander is a rising star with a story of resilience and passion that shines through in her music. Hailing from Illinois, Annie's journey to the music industry was shaped by life-changing obstacles, including a CRPS diagnosis, that ultimately led her back to her true calling. Drawing inspiration from 90s rock, pop, and modern country, Annie has cultivated a unique sound and image that resonates with fans.
Annie's debut radio release, "Falling Into Nashville," made waves on country radio and secured her a spot on the...
2024-08-1525 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 51 – Florida’s Expanding Flood ZonesHigh-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 insurance.Former Florida Deputy Insurance Commissioner Lisa Miller talks with the county floodplain manager for an explanation, the reporter who broke the story, and another reporter from Palm Beach County, which is fighting FEMA’s efforts to expand...
2024-07-3033 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 50 – Dollar Sale on Flood DamageA 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 future damage if governments and homeowners together would spend $193 billion today.Former Florida Deputy Insurance Commissioner Lisa Miller sat down with one of the paper’s co-authors and the head of a national home floodproofing solutions company to discuss the government’s curren...
2024-06-1929 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 49 – When Insurers ExitA 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 Commissioner Lisa Miller sat down with Demotech President Joe Petrelli to get the other side of the story that the report didn't. She also learned that it wasn't low capital and surplus that led to seven company insolvencies, as the report claims, but instead targeted technology-enabled claim instigation.
2024-04-2223 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 48 – 2024 Legislative RoundupHow 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 legislators about the new laws expected to impact Florida’s property insurance and real estate markets, reinsurance prices, condominium affordability, and their joint belief in bipartisanship for finding workable policy solutions. Show Notes Florida State Representative Tom Fabricio (R-Miami Lakes) sits on the Ho...
2024-03-1237 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 47 – Stress & Strain of AdjustingRay 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 County, New York Police department, including the Twin Towers Collapse during 9/11. He’s also a former firefighter and paramedic.“The adjusters are no different than fire, police, and EMS, they're front line. They're action-oriented. They take risks. They have tr...
2024-02-2921 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 46 – Insurers: Know the Building AND The BoardAdvances 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.Several Florida associations have been accused of recent wrongdoing, including one where four former board members were arrested, accused of engaging in a multi-million dollar embezzlement of monthly dues from residents. Former Florida Deputy Insurance Commissioner Lisa Miller sat down with an insurance lawyer and an insurance ser...
2023-11-1427 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 45 – Insurance Claim Estimates Change & Are Supposed to!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 Florida Deputy Insurance Commissioner Lisa Miller sat down with two independent field adjusters and an attorney who represents insurance companies to learn their perspective and just how damage claims – and their payouts – are ultimately decided and by whom. Show Notes The three adjusters an...
2023-06-0232 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 44 – Dynamic Duo: Ian Hit HardAn 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 156 people and causing an estimated $109.5 billion in damage in Florida. Only an estimated half of that will be covered by insurance.Former Florida Deputy Insurance Commissioner Lisa Miller sat down with the report’s co-author and another extreme events scientist who produced early catastrophic models on Ian for in...
2023-05-1538 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 43 – Future of Florida Insurance LitigationThe 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 Insurance Company on how the reforms have leveled the playing field in insurance litigation and together with innovative industry practices, will bring positive results for consumers, carriers, and their reinsurance companies.Show NotesStacey Giulianti is a Co-Founder and Chief Legal O...
2023-02-1634 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 42 – Barry Gilway: Florida’s New Law is a Profound ChangeFlorida 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 an overly-competitive residual market.Former Florida Deputy Insurance Commissioner Lisa Miller talks with Citizens Property Insurance President & CEO Barry Gilway, insurance agency executive Andy McGuire, and reinsurance broker Adam Schwebach about the new law and the expectation it will help rebalance Florida’s decimated property insurance market.Sho...
2022-12-3043 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 41 – Special Session PreviewThe 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 insurance companies’ losses continue, with six carriers becoming insolvent this year, and 13 others withdrawing coverage, driven in part by a nearly 400% increase in claims litigation since 2013. Former Florida Deputy Insurance Commissioner Lisa Miller talks with a former legislator and the head of an insura...
2022-12-0948 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 40 – Hurricane Ian: Was the Damage Flood or Wind?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 Florida.Former Florida Deputy Insurance Commissioner Lisa Miller talks with a seasoned insurance defense lawyer on how coverage is determined, who will pay, and the case law involved for those disputed claims that end up in court.
2022-10-3141 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 39 – Take Care of the Insurance Customer: Job OneAlternative 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 Florida Deputy Insurance Commissioner Lisa Miller talks with a repair contractor and an insurance appraiser who share how today’s technology and methods can not only reduce lawsuits, but herald the return of good customer service and improve the insurance claims process for everyone.Show NotesJohn...
2022-09-0250 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 38 – New Property Insurance ReformsThe 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 Commissioner Lisa Miller talks with a lawmaker who was one of the handful of leaders behind the reforms and the head of a litigation analytics firm on whether the two new laws will help re-right the marketplace and lower homeowners rates - and what further re...
2022-06-2335 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 37 – Special Session on Property InsuranceThe 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 policy-writing in the state.Former Florida Deputy Insurance Commissioner Lisa Miller explores the problems in the marketplace with an insurance agency executive and a top real estate agency owner who share their ideas on which reforms would be most effective for lawmakers to achi...
2022-05-0430 min
The Healthcare Leadership ExperienceZero-Based Budgeting With Lisa Larter | E. 41 Why making the mindset shift to zero-based budgeting can lead to substantial cost savings for your hospital. Episode Introduction In Episode 41 of The Healthcare Leadership Experience, Lisa is joined by her show producer Lisa Larter. Together they discuss zero-based budgeting for hospitals. As Lisa Miller comments, ''Sometimes it's not about pricing. Sometimes it's not about consolidation. Sometimes it's going through your hospital's budget…department by department. Test it out, ask some questions. It's definitely a different approach from traditional budgeting. It's very precise.'' This epis...
2022-04-0826 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 36 – A Conversation with Real Estate Agents about Property InsuranceBeside 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 explores the reasons for the increases, including increased insurance litigation, and how they’re now impacting the state’s economy.Show NotesIn a recent address to the Pensacola Association of Realtors, host Lisa Miller identified some key drivers behind the past t...
2022-02-1126 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 35 – Florida Legislative Preview 2022The 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 Commissioner Lisa Miller sat down with state capitol reporters Mike Vasilinda of Capitol News Service and Jim Saunders of the News Service of Florida, to discuss which bills may get serious consideration and why.Show NotesWith 2022 being an election year for the Governor and many legislators, on...
2021-12-2227 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 34 – Legal Challenges to SB 76Florida 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 federal court by roofers and restoration companies.Former Florida Deputy Insurance Commissioner Lisa Miller sat down with Jose Pagan, a former fraud regulator who is now one of Florida’s leading insurance defense lawyers, to discuss the legal challenges to the new reform law, the ongoi...
2021-10-2735 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 33 – Condo Underwriting & Presuit SettlementsIn 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 tightens, Florida’s homeowners insurance market is going through an upheaval of its own. One insurance litigation reform measure passed into law is now coming into play in court: presuit settlements.Former Florida Deputy Insurance Commissioner Lisa Miller talks with two professionals on the underwriting and leg...
2021-08-3131 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 32 – Defense Attorneys’ Take on SB 76Florida’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 through the details of Senate Bill 76 with two insurance defense lawyers who provide experienced analysis and perspective on each section of the new law, its likely impact, and the areas where legal conflicts may arise in its interpretation. This is a must-listen to podcast for anyon...
2021-06-231h 00
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 31 – Property Insurance ReformThe 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 Commissioner, talks with a leading state Senator and a veteran insurance defense attorney and legal strategist on what the measure does and doesn’t do – and its expected impact on Florida consumers.Show NotesOver the pas...
2021-05-2429 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 30 – Florida’s Property Insurance DilemmaFlorida’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 increases – some as high as 50%.Host Lisa Miller, a former Florida Deputy Insurance Commissioner, talks with two veteran insurance agents on the frontline, who reveal the hidden consequences that higher insurance premiums are having on their customers and the impact now on Florida’s real estate m...
2021-03-2631 min
CDM Media PodcastIs There Room to Embed a Sustainable Cybersecurity Culture - Anna-Lisa MillerIn a world turned upside down by the global pandemic, is there room to embed a sustainable cybersecurity culture? If your organization is ready to embrace a culture with security at its heart, what does it really mean and what does it take? As cybercriminals continue to up their game and use sophisticated techniques to hijack company, customer, and personal information, how does culture help to protect and sustain your business? Anna-Lisa Miller, Group CISO at Spectris joins J.D. Miller to talk about this and much more as we take a sneak peek into her talk at our upcoming...
2021-02-2212 minThe Healthcare Leadership ExperienceWelcome to The Healthcare Leadership Experience Radio Show with Lisa MillerHealthcare management is ever-changing. Join Lisa Miller where you will hear from innovators and leaders within healthcare and from other industries. Lisa will bring you topics on the business and clinical sides of healthcare on strategy, finance, managed care contracting, nurse engagement, physician engagement, new patient care models, patient satisfaction, innovation, leadership, communication, marketing, plus much more. This radio show will challenge you to think differently through proven strategies and innovative approaches that will help you to elevate your healthcare management and healthcare leadership performance for the ultimate goal of providing exceptional patient care. ...
2020-12-2202 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 29 – 2021’s Insurance ConsumerWhether 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 Insurance Commissioner, talks with Amy O’Connor of the Insurance Journal and Carol Williams, a strategy and risk consultant for insurance companies, on the qualities insurance consumers – and the professionals who serve them – need to have in 2021 to get the most out of their i...
2020-12-2122 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 28 – Our Cities Are FloodingAs 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 deputy insurance commissioner, talks with Sam Brody of Texas A&M University about his latest research and fellow scientist and resiliency expert Alec Bogdanoff on how we can protect more homes and businesses from flooding.Show Notes...
2020-07-2624 min
Bad GaysLisa MillerTo close our season, the story of Lisa Miller, an American woman who gave birth to a child coparented with her partner Janet Jenkins, and then left Janet, became a self-proclaimed ex-lesbian, sued for single custody of their daughter, and when the courts decided against her, abducted their child and fled the country with the assistance of well-connected far-right pastors in 2009. Lisa and their daughter, Isabella, are still missing.
Visit our website for T-shirts, an episode archive, and more information about the show.
If you have any information on the whereabouts of Lisa and/or I...
2020-05-2651 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 27 – Coronavirus Insurance ChallengesThe 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 disagreement and finger-pointing and now Congress and individual states are poised to get involved in what may be a multi-billion dollar solution.Host Lisa Miller, a former deputy insurance commissioner, talks with insurance attorney and consultant John Burkholder and Kevin Miller, a season...
2020-05-0425 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 26 - AOB Reform: Did Consumers Win?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 getting shortchanged by insurance companies and homeowners for work they’ve already performed.Host Lisa Miller, a former deputy insurance commissioner, talks with Tanaz Salehi, an insurance defense attorney, and Mohammad Sherif, a plaintiff attorney, on the reform’...
2020-01-3128 min
RGC Worthy PodcastsRGC Worthy Confidence Series: Lawyer Michael Agresti Discussing Business Law and RiskMichael Agresti, a partner with Marsh Schaaf law firm, provides insights for business owners and professionals on how to best use legal services to protect their companies and their assets. Michael gives examples of business cases from his 22 years of experience that may help you as a business owner or executive to head off liability, risk and litigation. Some of Michael's insights include proper use of contracts, documentation strategies for protection and how to protect your intellectual property. These and more topics are discussed as the Confidence series explores how to grow the worth of your business by looking...
2020-01-1443 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 25 – Florida Legislative Preview 2020The Florida Legislature begins its 2020 session this Tuesday, January 14 amid growing concern about the state’s property insurance market. Two carriers have failed in recent months. Others are seeking rate increases of up to 30% to stem rising reinsurance and litigation costs. Future financial ratings downgrades on some Florida domestic insurance companies are also likely.There are other insurance issues facing lawmakers as well, including automobile Assignment of Benefits (AOB) reform, bad faith, ongoing Hurricane Michael recovery, and a proposed change to the state building code. There are also big ticket issues, such as education, the environment, and tr...
2020-01-1027 minRGC Worthy PodcastsRGC Worthy Podcasts: Perspective Series: Ron Vinyard, LPL Financial AdvisorRGC Worthy Podcasts: Perspective Series: Ron Vinyard, a LPL Financial Advisor with Legacy Financial Consulting Services, describes his extensive military service and how it has given him a unique perspective and a tremendous set of skills to utilize with his clients. You'll hear Dr. Lisa Miller and Ron discuss risk mitigation, strategic planning, relationship building, and trust as they relate to both being in command in the military and helping people through devising a financial strategy for their family. Explore the parallels and strengths of his careers and how they complement each other tremendously. Thanks to Ron for his...
2019-12-1747 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 24 – Making the Call on Flood InsuranceTwo hundred Mexico Beach, Florida homes sitting beach block from the Gulf of Mexico, yet labeled X-Zone, FEMA’s lowest risk for flooding, were nearly wiped out by 2018’s Hurricane Michael. Many of those residents had no flood insurance, complicating which damage from the Category 5 storm may or may not be covered by their homeowners insurance.In fact, 80% of flood losses in the Florida Panhandle were uninsured. Yet, there’s just a trickle of greater demand for flood insurance post-storm. Mexico Beach is fighting back with a tough new ordinance to counter the complacency created in residents...
2019-11-2523 minRGC Worthy PodcastsRGC Worthy Podcasts: Confidence Series Christopher Swink, BNY Mellon Wealth ManagementThis installment in the Confidence Series of the RGC Worthy Podcasts looks at increasing the Worth of a business through the lens of Wealth Management. Christopher Swink is a Senior Director with BNY Wealth Management and is a Certified Exit Planning Advisor (CEPA) in Tampa, Florida. We discuss his experience leading business owners and their families through the important, and often overlooked, wealth planning step of the M&A process and how to be better prepared for this life changing event. Christopher discusses his focus on pre-transaction planning, and post-sale lifestyle needs, the importance of the family as a...
2019-11-1543 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 23 – Mediating Open ClaimsRecent disasters and the growing number of open insurance claims are creating renewed interest in an alternative to costly litigation in resolving claims disputes: mediation.While claim frequency is down, claim cost is way up – more than five times what it was 20 years ago. Unnecessary and abusive litigation, including Assignment of Benefits (AOB) contracts, has contributed to growing claim cost in Florida.Host Lisa Miller, a former deputy insurance commissioner, sat down with Bruce Blitman, a Certified Mediator, Arbitrator, and Umpire, to learn what role mediation can play in successfully resolving these claims.
2019-10-3122 minRGC Worthy PodcastsRGC Worthy Podcasts: Confidence Series: Emery Ellinger, CEO of Aberdeen Advisors. Maximizing the Valuation of Your Business For SaleEmery Ellinger founded Aberdeen Advisors as a resource for those selling their businesses so that they can have a successful sale of their business and have the highest possible sale price. Emery and Aberdeen Advisors have represented sellers such as Florida's TradeWinds Resort and former Heisman runner up Casey Weldon. Dr. Lisa Miller of RGC and Emery discuss the factors that Aberdeen Advisors take into consideration when setting the valuation of a business that they represent in a sale. Aberdeen's long history of high sale values and successful sales becomes your guide for preparing to enter the market. Dr...
2019-10-2333 min
RGC Worthy PodcastsRGC Worthy Podcasts: Perspective Series: Evaguel Rhysing of United Aircraft TechnologiesThe Worthy Podcasts of RGC: Resource and Governance Consulting. This is the second episode of the Perspective Series. This episode includes an interview between Dr. Lisa Miller, Founder and CEO of RGC, and Evaguel Rhysing, Founder and CEO of United Aircraft Technologies. They discuss the prior careers of Eva and how she went from teaching English-as-a Second-Language to owning a company that supplies aircraft parts to the airline industry and the military.
www.resourceandgovernance.com
https://uaritek.com
*Copyright RGC 2019. RGC not responsible for statements made by guests.
2019-09-2425 min
RGC Worthy PodcastsRGC Worthy Podcasts: Perspective Series Introduction, Dr. Lisa MillerThis is the introduction to the Worthy Podcasts from RGC: Resource and Governance Consulting. In this first episode of the Perspective Series, Dr. Lisa Miller, CEO and Owner of RGC, will discuss how her prior careers in healthcare and higher education and her PhD work in Organizational Leadership have given her a unique perspective that now informs her work as a consultant helping CEO's and business owners build the worth of their companies.
Watch for upcoming episodes of the Perspective series as well as the Confidence series, both in the Worthy Podcasts of RGC.
www.re...
2019-09-2416 min
RGC Worthy PodcastsRGC Worthy Podcasts: Confidence Series Introduction, Dr. Lisa MillerRGC Resource and Governance Consulting Worthy Podcasts: Confidence Series looks at the worth of a business by breaking it down into two halves. The first half is the dollars, cents, ratios, profit, loss, etc. The second half will be explored here, in the Confidence Series, and is comprised of the internal operations of a business and how sustainable those processes are over time. This is particularly important for those who are looking to buy or sell a business as well as those who are trying to decrease the risk inherent in a company that is overly reliant on any...
2019-09-2422 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 22 - Why the Panhandle Wasn't Hurricane Strong for MichaelNot only was the Florida Building Code not fully effective in buildings damaged by Hurricane Michael, but neither were mitigation efforts designed to fortify our homes and businesses, according to a new FEMA report. A team of building experts conducted an assessment of 350 structures affected by Michael’s Category 5 winds that reached upwards of 160 mph. They paint a dismal result. Buildings with wind retrofits, such as stronger windows or doors, suffered significant damage, even when those windows and doors held up. The FEMA report notes people were injured as a result. Expensive mitigation upgrade...
2019-09-1632 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 21 - Is Florida’s Building Code Protecting All of Us?As Hurricane Dorian bears down on Florida, two reports that examined damage from last fall’s Hurricane Michael have mixed reviews on building construction in Florida’s Panhandle. While newer homes built after the 2002 Florida Building Code was enacted suffered less structural damage than older homes, the roof cover loss and siding damage was just as common in the newer structures. In fact, almost two-thirds of those newer buildings built after the code went into effect had some roof loss from Michael’s high winds.While Florida is known for its tough building code, few know that the...
2019-09-0128 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 20 - Wind vs. Earthquake: Who Wins?The July 4 earthquakes that hit South Central California are a fresh reminder that California's population is the most susceptible in the country to major earthquakes. So why is it, that earthquake insurance is no longer required as a condition for California mortgages? Especially, when wind insurance is required throughout the state of Florida and elsewhere to protect against hurricane damage?While less frequent, earthquakes are unique in that the risk is constant and the potential damage can easily exceed those of hurricanes, wildfires, and flooding combined. Is it time to readjust our public policies - and our...
2019-07-3127 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 19 - New AOB Law: Putting Consumers on OffenseFlorida’s seven year wait for meaningful reform of Assignment of Benefits (AOB) abuse is over. The Florida Legislature has passed a measure to level the playing field for consumers and reduce the skyrocketing rates of litigation filed by vendors against insurance companies, driving double-digit rate increases.Hailed as a “wake-up call for the bad actors” exploiting homeowners and the insurance industry, what exactly does the reform do and what doesn’t it do? What impact is it expected to have with more than half of Florida’s insurance litigation today now involving an AOB? And what creative...
2019-05-1422 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 18 - The AOB ProblemFor the seventh time in as many years, the Florida Legislature this spring of 2019 is considering bills to reform abuses of Assignment of Benefits (AOB) insurance contracts between vendors and property owners. AOBs allow contractors to take control of a homeowner’s insurance policy and bill their insurance company directly for repair work – sometimes fraudulently inflating the scope and cost of the claim.When the insurance company refuses to pay or underpays the claim, the vendor sues. The latest figures show the number of AOB lawsuits continue to rise in Florida, up 18% in 2018 from the year prior –...
2019-03-3023 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 17 - Florida Legislative PreviewThe Florida Legislature convenes its 2019 session next Tuesday, March 5. The big insurance issue: the growing cost of property insurance claims litigation. But there are also bills that would change Florida’s no-fault auto insurance and more than 200 bills funding much-needed Hurricane Michael relief to the 14 Panhandle counties still struggling with debris cleanup and recovery.But there are other issues of interest lawmakers are addressing, including whether to allow smokeable medical marijuana and how to address ongoing water quality issues. Host Lisa Miller, a former deputy insurance commissioner, talks with Jim Saunders, Executive Editor of the News Servi...
2019-02-2720 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 16 - Flood Follies2018 was a tough year for flooding in the United States, and nowhere worse than in the Carolinas, where Hurricane Florence dumped three feet of rain in spots. Damage is estimated at $13 billion but at least half of that is uninsured – as most residents had no flood insurance. While some didn’t know they needed it, others took a gamble by going without and lost.But the bigger folly some argue is federal flood insurance itself which encourages some homeowners to disregard risk, by providing subsidized premiums at a level far below what’s actuarially-required to cover the clai...
2018-12-1721 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 15 - Active Shooter InsuranceThe Thousand Oaks, California bar shooting. The Pittsburgh synagogue massacre. Just two of the recent mass shootings across the country involving what police term as an “active shooter.” The worst to date in Florida was the Valentine’s Day 2018 shooting at Marjory Stoneman Douglas High School in Broward County, in which 17 people were killed and 17 others injured.Beyond the tragic loss of human life are the lives of the survivors affected. How can they ever be made whole again? The insurance industry is responding to these attacks by offering “active shooter insurance” – designed to help organizations and businesses who...
2018-11-2615 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 14 - Hurricane Michael's Construction LessonsHurricane Michael struck Florida’s panhandle in October 2018 as a strong Category 4 storm, with sustained winds of 155 miles per hour. At least 29 people in Florida died in the storm or its aftermath and another 10 people in Georgia, North Carolina, and Virginia, as of this recording. Beyond the cost in human lives, is the cost of rebuilding homes, businesses, and infrastructure. Estimates of insured losses alone are between $6 billion to $10 billion.Just how well did Florida's building codes, both old and new, hold up against the devastating winds - and what's needed in post-hurricane mitigation as Florida rebui...
2018-10-3024 min
The Florida Insurance Roundup from Lisa Miller & Associates®Lisa Miller on Hurricane Michael Insurance ClaimsFormer Florida Deputy Insurance Commissioner Lisa Miller was interviewed by Tom Flanigan on WFSU-FM, National Public Radio for Florida, just hours before Hurricane Michael made landfall on the Florida panhandle. She shared with listeners the importance of staying safe prior to and during the storm, how to handle any damage and prepare an insurance claim, and the best methods for filing claims. This includes taking pictures and video of the damage and collecting crucial information to share with the insurance company to help speed up the claims process, utilizing “fast-track” phone apps and other expedient methods. For those policyholders needing...
2018-10-1006 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 13 - Insurance NerdsIt’s an insurance agent – it’s an adjuster – it’s an underwriter – no, it’s an Insurance Nerd! In an industry that sometimes screams boring and is full of complex, technical jargon, comes a refreshing team of veteran insurance professionals that are out to change that. Their goal: to engage younger people considering different career paths and show them that insurance can be fun and personally satisfying work. Along the way, they’re changing the stuffy corporate culture that is often a barrier to Millennials and Generation Z’ers joining the industry.Host Lisa Miller talks with Nick Lamp...
2018-08-0919 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 12 - The Prize in Real EstateThe real estate market and the insurance market are intertwined – in fact, “property” is literally the first word in property & casualty insurance. Both are highly value-based, as higher property values require higher insurance premiums to provide adequate coverage. But there’s a bigger picture: the connection between real estate and promoting investment and job creation, where property sales and insurance will then naturally follow.Host Lisa Miller talks with John Sebree, a Florida real estate leader who is now CEO of the Missouri Realtors®. While stressing that every state has or should have international business, Sebree shares how F...
2018-06-0717 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 11 - Driving Blockchain HomeThe emerging distributed ledger software technology Blockchain, being developed for use in financial transactions, has applications in how we manage insurance information, too. It could one day be used to reduce Florida’s nearly 27% rate of uninsured drivers – the highest in the nation – while providing added convenience and money-saving efficiencies to both consumers and insurance companies. Blockchain technology is also touted as an answer to the current climate of data breaches and compromised personal information.Host Lisa Miller, a former deputy insurance commissioner, talks with the leader of the insurance consortium applying Blockchain and a Florida State Se...
2018-04-1820 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 10 - Modeling for School ShootingsThe aftermath of the Parkland, Florida school shooting and other major casualty events can greatly impact the insurance companies that provide liability policies to schools, hotels, and other venues. While these policies traditionally cover a variety of more ordinary events, some policies never contemplated – and priced the risk for – the increasingly unusual catastrophic events seen over the last few years. Now there are new tools to help insurers and their reinsurers better calculate previously difficult and unmanageable risks, leading to better coverage for these venues and ultimately those they serve.Host Lisa Miller talks with Robin Wilkins...
2018-04-0316 min
In-Sight with Psychic Medium Lisa BoussonEp19: Animal Communication with Psychic Medium Lisa MillerPsychic Medium and Animal Communicator Lisa Miller, discusses how an animal communicator can assist you in understanding your pet's point of view about health or behaviors, the comfort you may experience after the passing of your pet and the potential for their souls' reincarnation back to you.
http://www.lisamillerpsychicmedium.comlisamillerpsychicmedium@gmail.com 484-798-4972
http://www.lisabousson.com http://www.facebook.com/lisabousson lisa@lisabousson.com
Cow Calling (Kulning) as mentioned in the video: https://www.youtube.com/watch?v=nc7F_...
2018-01-2500 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 8 - National Flood Insurance ReformCongress is pushing into 2018 a decision on how to reform the beleaguered National Flood Insurance Program (NFIP) that 1.8 million Floridians depend on for their property flood protection. Congress must reauthorize the program as well, because without it, federally-backed home mortgages which require flood coverage for high-risk zoned properties could come to a standstill. But the taxpayer-subsidized NFIP is $25 billion in debt and still using old flood data and maps, with rates that don’t match risk. Congress is considering reauthorization under a package of reform bills called the 21st Century Flood Reform Act.Host Lisa Miller, a fo...
2017-12-0816 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 7 – Irma’s Claims ChallengeFlorida homeowners, businesses, and other property owners have been assessing the damage from Hurricane Irma and begun filing claims with their insurance companies. Those claims are expected to number in the hundreds of thousands from the first major hurricane to hit Florida in 12 years. How are insurance companies responding? How will they be able to meet the challenges of such an onslaught of claims? Joining host Lisa Miller from the road are the president of American Integrity Insurance Company in Tampa, Bob Ritchie and professional claims adjuster Jason Evans, CEO of Evans Claims Service, in Huntsville, Texa...
2017-09-1515 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 6 – Citizens Managed Repair ProgramThe Florida Office of Insurance Regulation recently approved two first-of-their-kind programs designed to help the state’s property insurer of last resort – Citizens Property Insurance Corporation – control the rapidly rising claims and litigation costs among its current 450,000 policyholders. Citizens will now be able to limit coverage on non-weather water claims to $10,000 unless the policyholder agrees to use Citizens' approved contractors in its new managed repair program. The company can also waive deductibles on such claims as a further incentive for its policyholders to use the managed repair program. |Citizens President & CEO Barry Gilway sat down with host and...
2017-08-2117 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 5 Part Two – Growing Florida’s Private Flood MarketAided by new state legislation this year designed to encourage a robust private flood insurance market in Florida, the number of companies writing flood policies has nearly doubled in the last year, while Congress works this summer to reform the federal government’s beleaguered National Flood Insurance Program (NFIP). Meanwhile, new technology is making structures more resilient than ever to floodwaters, allowing those insurers to more accurately price risk and compete with the NFIP. Mike Graham of Smart Vent Products has been working with modeling firms that are part of the new technology and...
2017-07-1619 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 5 Part One - Growing Florida's Private Flood MarketJust in time for the start of hurricane season, the Florida Legislature has made it even easier for private insurance companies to write flood coverage in the Sunshine State. The private market is seen as a much-needed alternative to the debt-ridden, increasingly expensive, federal government’s National Flood Insurance Program (NFIP). Even more so for Florida consumers, who are largely subsidizing the program, receiving just $1 in claims benefits for every $4 paid in premiums. Host Lisa Miller, a former Florida deputy insurance commissioner, breaks down how private carriers are being encouraged and we hear state Senator Jeff Brandes’ ideas o...
2017-06-2013 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 4 - Legislative Session RoundupThe Florida Legislature ended its 2017 session this week three days late – and without passing most of the major insurance-related bills. These include Assignment of Benefits reform, Workers’ Compensation reform as mandated by the state Supreme Court, and No-Fault Personal Injury Protection automobile insurance reform. What went wrong? Host Lisa Miller, a former Florida deputy insurance commissioner, takes the guest microphone in this program to explain what happened, share the backstory on some of the negotiations, and offer her insight on what’s needed to make these policy reforms a reality in next year’s legislative session. "Th...
2017-05-091h 01
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 3 - Bad FaithThe Florida Legislature is once again trying to decide what to do with the state's 45 year-old No-Fault Automobile Insurance coverage law – more specifically, how to handle the persistent fraud that keeps increasing and with it, automobile insurance rates. But one component that's rarely talked about is the Bad Faith doctrine - and the third-party vendors some say who are manipulating it to win bigger legal settlements from insurance companies. David Bronstein and J.D. Underwood - two noted South Florida insurance attorneys on opposite sides of the issue - argue the merits of Bad...
2017-04-2521 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 2 - The Abusive RooferThey come to your house peddling offers of a free roof, courtesy of your insurance company. Regardless of whether you’ve suffered serious enough storm damage to warrant a total roof replacement, these scam artists have you sign an “AOB”– an Assignment of Benefits – that takes away your rights and benefits of insurance claims proceeds and puts it into their pockets. That’s what happened to Kellie Clark, a ninth-grade math teacher in Pinellas County, Florida. Ms. Clark shares her story of being misled into signing an AOB and then becoming the target of bullying and harassment – including threats of foreclosure ac...
2017-04-0713 min
The Florida Insurance Roundup from Lisa Miller & Associates®Episode 1 – Beating Back Flood RatesAlthough Florida accounts for nearly 40% of the National Flood Insurance Program policies, it remains a huge donor state to this federal monopoly, with property owners here paying $4 in premiums for every $1 in claims received. Maria Wells, President of Florida Realtors, has been a driving force behind efforts to encourage a private flood market in the Sunshine State. Ms. Wells shares her advocacy efforts in this podcast and how reauthorization of NFIP this year in Congress is being linked to further incentives to create a robust private market alternative that will benefit property owners and taxpayers alike. "The Florida...
2017-03-0611 min
Oral ArgumentEpisode 99: PowerJoe is at the airport for a special pre-roll segment. Then we say hello to Lisa Heinzerling, administrative law expert (5:23). After a substantive and goofy discussion of legislation and regulation courses (6:29), we discuss the development of what Lisa calls “the power canons” resulting from recent decisions of the Supreme Court (10:39). If you’re Congress, how do you write a statute meant to solve problems that might evolve in type or degree? Do you have the power to do so, or are you limited to speaking to the here and now? Does the Supreme Court have the power to limit legisl...
2016-05-271h 12Oral ArgumentEpisode 48: Legal TruthWith evidence and criminal procedure scholar Lisa Kern Griffin, we discuss the role of narrative, storytelling, and probability in assessing guilt and innocence. Also, feedback on coffee, citation, librarians, and argument.
This show’s links:
Lisa Kern Griffin’s faculty profile and writing
Sonja West, First Amendment Neighbors, citing Joe Miller, Christian Turner, and Sonja West, Oral Argument 1: Send Joe to Prison at 46:53, available at http://oralargument.org/1
Bunny’s coffee-roasting links: the Nesco Professional 800-watt Roaster, Green Coffee Buying Club, and information from Sweet Maria’s; Listener Zachary’s links: the Fresh Roast Plus 8 and White Moun...
2015-01-301h 23Oral ArgumentEpisode 47: Making Lisa So MadWe clear the docket while enjoying some listener-provided coffee. Topics include coffee roasting, listener feedback, the Oral Argument roadshow, and a recent decision on the taxation of egg donors.
This show’s links:
Two Story Coffeehouse
Rene Stutzman, Lawsuits by Drivers Ticketed for Flashing Headlights Produce Change, No Money
The Madigan Memorial Hospital, Houlton, Maine (jpeg)
Oral Argument on Twitter and on Facebook
Oral Argument 45: Sacrifice, on which we discussed Nicholas Georgakopoulos’s email on reasonable doubt
Derek Muller’s invitation to make a stop at Pepperdine Law on the Oral Argument road show, which stop is ima...
2015-01-231h 14Oral ArgumentEpisode 14: The Astronaut's HairThis is the one about eggs. Human eggs. And whether selling them is like selling chicken eggs, teaching law school, or being a good samaritan. Lisa Milot joins us to talk about taxing proceeds from transfers of human body materials. We discuss Christian’s beard, astronaut hair, egg donations, oil reservoirs, how to pronounce Kim Krawiec’s name, speed traps, and follow-up on the US News episode.
This show’s links:
Episode 12: Heart of Darkness, the episode about the U.S. News Law School Rankings
The Ranking Game, Jeffrey Stake’s do-it-yourself rankings website
Jeffrey Stake and Mich...
2014-03-281h 31