Estimize is an open financial estimates platform designed to collect forward looking financial estimates from independent, buy-side, and sell-side analysts, along with those of private investors and academics. Currently, 62,482 analysts contribute to Estimize, resulting in coverage on over 2,200 stocks and 80 economic indicators each quarter. The Estimize consensus has proven more accurate than comparable sell side data sets over 74% of the time and by 15% on average. Become a part of our co ...
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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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A pod where three smart ladies do a roundtable on UX topics of the day...and maybe gripe a little here and there.
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Episode 52: Episode 52 – Agent Roundtable
33:33
33:33
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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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Episode 51: Episode 51 – Florida’s Expanding Flood Zones
33:18
33:18
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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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Episode 50: Episode 50 – Dollar Sale on Flood Damage
29:34
29:34
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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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Episode 49: Episode 49 – When Insurers Exit
23:19
23:19
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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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Episode 48: Episode 48 – 2024 Legislative Roundup
37:54
37:54
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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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Episode 47: Episode 47 – Stress & Strain of Adjusting
21:50
21:50
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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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Episode 46: Episode 46 – Insurers: Know the Building AND The Board
27:36
27:36
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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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Episode 45: Episode 45 – Insurance Claim Estimates Change & Are Supposed to!
32:34
32:34
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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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Episode 44: Episode 44 – Dynamic Duo: Ian Hit Hard
38:21
38:21
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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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Episode 43: Episode 43 – Future of Florida Insurance Litigation
34:06
34:06
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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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Episode 42: Episode 42 – Barry Gilway: Florida’s New Law is a Profound Change
43:24
43:24
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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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Episode 41: Episode 41 – Special Session Preview
48:09
48:09
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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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Episode 40: Episode 40 – Hurricane Ian: Was the Damage Flood or Wind?
41:54
41:54
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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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In this episode, other than saying "done" a lot, we tackle the question of how we know when our work is complete. Is the definition of done based on time, deliverables, contract terms, solving a particular problem, the ability of the team to move forward, or based on some form of metrics? Hop into this pod to hear us hash this out in our usual fash…
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It's not you it's me: Breaking up with clients
30:49
30:49
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This episode we discuss breaking up with clients or peers and the heartbreak that may or may not go along with it ;) We talk about different scenarios, how we have tackled them in the past and what we have learned through the process. Come with us as we explore the world of relationships!By Abeiene, Frauke @ Lindsay
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Episode 39: Episode 39 – Take Care of the Insurance Customer: Job One
50:52
50:52
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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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This time we try to dissect and unravel UX strategy. While UX inherently involves strategic thinking are there specific UX strategy deliverables? Is all of our work a strategy deliverable? How do we define and sell strategy? Where does it fit within product and business strategies? Join us as we wind down this curious path...…
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Navigating titles: What should we call ourselves?
46:50
46:50
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In this episode we dive into the idea of titles and roles: why are there so many? and what do they say about what we actually do? We discuss how skills can vary across UX roles and how we might ensure that people understand what we do based on our titles. We also get into the overlap of skillsets that are shared with other roles that may or may not…
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Today we talk estimates! (super exciting eh?) But it is one of those things we have to do and getting right is tricky. We dig a little deeper into pricing (one of our previous episodes) and we discuss the details to our estimating process. What do we typically include and how do we handle scope creep/overages to protect ourselves? We also discuss h…
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How do you define the actual design problem?
42:08
42:08
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Today we talk about problem statements, yay! We discuss how you actually get to defining the problem and how that ties into discovery. We try to dig into the activities we could be/are doing, and what has or hasn't worked in the past.By Abeiene, Frauke @ Lindsay
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In this week's episode we talk about the discovery process. We look at client expectations, our own definitions and objectives for what we coin "discovery", as well as current pain points and ideas to improve our processes. Come discover with us!By Abeiene, Frauke @ Lindsay
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Episode 38: Episode 38 – New Property Insurance Reforms
35:29
35:29
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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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We often get asked to do "best in class" assessments or to design best in class solutions but who decides what this means? Who defines what's considered "the best"? What is it trying to answer or how does it support the underlying design problem? What do client's mean when they are looking for this, and how do we do a better job having discussions …
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This episode we talk about how UX work fits into (or doesn't), the agile methodology. How do sprints work when it comes to UX deliverables? Is it just mini "waterfalls"? How do we keep our eye on the bigger picture and ensure we are still zooming out to maintain a holistic view of the experience and the actual problem we are solving? We might even …
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Can UX and Marketing work better together?
41:04
41:04
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In this episode, we discuss the often misaligned objectives between UX and Marketing teams and how we could reduce butting heads. Ultimately we all have the same goal, we just approach it and look at it from a different lens. We discuss some ways we might improve this, as well as how we can ensure we don't forget our values as UX designers. How do …
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Episode 37: Episode 37 – Special Session on Property Insurance
30:37
30:37
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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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This episode we continue our talks about tools, but this time we focus on what we use to design and do research. There are probably a few common tools you already know but maybe there a few you don't! (Also we realize this may be outdated by the time it airs because this space changes SO fast).By Abeiene, Frauke @ Lindsay
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This episode we take a bit of a departure to talk about tools we use to keep ourselves organized. No big takeaways here, but you may find a new tool that you can try out to help keep yourself on track :)By Abeiene, Frauke @ Lindsay
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When to say yes and the art of managing projects
53:16
53:16
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This podcast we discuss how we decide what we can or can't take on. When do we know we don't have enough work? When do you know you have too much? How do you manage multiple projects? How do you budget and plan for your expenses? When and how do you say no? *Production Note: Please bear with us on this one, the audio quality is a bit all over the m…
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Today we explore how we price projects. What might it look like if we considered pricing projects based on outcomes versus deliverables? How can you estimate the value of your contribution beyond just the hours it takes you and the number of screens you create? Can you create "packages"? How do you ensure there is flexibility in your pricing struct…
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Spotting the gotchas for freelance contracts
36:30
36:30
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Today we talk contracts! What should you look out for when negotiating a contract or creating a SOW? How do you ensure you understand the scope before signing on? How do you course correct when the scope changes? What should you consider when thinking about payment terms and payment collection? Some contract resources we like: Avoid these mistakes …
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If you could design anything what would it be?
38:44
38:44
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In this episode, we have a casual chat about our own personal ideas and passion projects we would tackle if we had the time and inclination to do so. We share how we would apply our skills to the projects that have meaning to us.By Abeiene, Frauke @ Lindsay
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Episode 36: Episode 36 – A Conversation with Real Estate Agents about Property Insurance
26:18
26:18
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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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On this debut episode of the Remember the Humans podcast, we introduce ourselves and talk about why we decided to become UX freelancers. How did we start out? What did we find challenging? Would we ever go back to full-time gigs (eeek!)? Some supplemental reading if you are keen: https://wefreelancing.com/ How To Become a Highly Paid Freelance UX D…
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Episode 35: Episode 35 – Florida Legislative Preview 2022
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27:17
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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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Episode 34: Episode 34 – Legal Challenges to SB 76
35:14
35:14
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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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Episode 33: Episode 33 – Condo Underwriting & Presuit Settlements
31:11
31:11
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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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Episode 32 – Defense Attorneys’ Take on SB 76
1:00:41
1:00:41
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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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Episode 30 – Florida’s Property Insurance Dilemma
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31:50
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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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Episode 27 – Coronavirus Insurance Challenges
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25:56
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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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Episode 26 - AOB Reform: Did Consumers Win?
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28:37
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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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Episode 25 – Florida Legislative Preview 2020
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The 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 c…
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Episode 24 – Making the Call on Flood Insurance
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23:59
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Two 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 f…
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Recent 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)…
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Episode 22 - Why the Panhandle Wasn't Hurricane Strong for Michael
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32:32
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Not 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 16…
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Episode 21 - Is Florida’s Building Code Protecting All of Us?
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28:15
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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 a…
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Episode 20 - Wind vs. Earthquake: Who Wins?
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27:12
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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…
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