Lisa Miller & Associates announced in a press release that new research indicates small hail causes significant roof damage. The release also provided updates on Florida insurance reforms, which are reportedly lowering reinsurance costs, and on regulators issuing new rules and forms.
According to Lisa Miller & Associates’ newsletter, Gallagher Re’s study titled "Florida Tort Reform: A Sunshine Success Story" demonstrates that Florida’s 2022–2023 litigation reforms have contributed to reducing the cost of reinsurance, a critical factor in homeowners’ insurance pricing. The release also notes that Citizens Insurance has publicly countered critics who allege the reforms were misleading. New regulatory rules and forms are being issued by the Florida Office of Insurance Regulation. The firm describes these developments as part of an ongoing trend toward greater stability, stronger consumer protections, and improved market confidence in Florida’s property insurance sector.
Reinsurance News reports that Gallagher Re’s analysis shows a 10.7% decline in risk-adjusted reinsurance costs for Florida carriers during the June 1, 2025 reinsurance renewal cycle compared to previous cycles. This marks a significant reversal after years of rising costs. The report notes that this decline occurred even as insurers removed unfavorable terms and conditions from treaties, indicating stronger reinsurer confidence in the state’s legal environment. Additionally, litigation activity in Florida property claims has normalized to levels not seen since 2019, enhancing market stability.
A recent article from Insurance Journal recounts findings from an IBHS study which reports that small hail significantly degrades roof shingle performance. The study found that repeated sub-severe hail exposure combined with natural weathering left shingles approximately ten times more vulnerable to subsequent hail impacts. Researchers used a hail cannon to simulate frequent dense hail impacts and later struck them with larger hail, discovering that granule loss from sub-severe storms often exceeded that from a single large hail strike. The study suggests current durability standards and risk models may underestimate the cumulative damage potential of small hail—a phenomenon flagged by Lisa Miller & Associates as an underappreciated threat.
Lisa Miller & Associates is a Tallahassee-based government relations and consulting firm focused on insurance, mitigation, and regulatory affairs. Led by Lisa Miller, a former Florida Deputy Insurance Commissioner, the firm collaborates closely with state legislators, regulators, and industry stakeholders to design policy and reform strategies. Over nearly two decades, Lisa Miller & Associates has built a reputation for advancing consumer protections and market stability in Florida’s insurance sector.