Indoor Air Quality Solutions Blog

"Healthier Air Starts Here" (407) 383-9459


Indoor Air Quality IAQ Blog





Florida TaxWatch issued the following news release

Microshield Florida TaxwatchTALLAHASSEE — An analysis of Florida’s hurricane insurance system shows that reform to the Florida Hurricane Catastrophe Fund (FHCF) is necessary, but the impacts on the system as a whole must be understood before action is taken, according to Risk & Reform, a report released today by Florida TaxWatch, the nonpartisan, nonprofit, research institute and government watchdog.


The report examines the financing of the hurricane insurance system and analyzes existing proposals to modify the FHCF to determine the costs and benefits of these proposals and their effects onother components of the system.


“Florida’s property insurance system is broken and reforms are clearly needed to promote a functioning market that will encourage private insurers to return to Florida and reduce taxpayer liability,” said Dominic M. Calabro, president and CEO of Florida TaxWatch. “It is especially important that the state-run entities, Citizens Property Insurance Corporation (CPIC) and the Florida Hurricane Catastrophe Fund, which are designed to protect Floridians from the financial impacts of a hurricane destroying their home, are reformed before the next major storm makes landfall.”


The report outlines the interrelated parts of the system, examines how they are financed, and details the substantial exposure of CPIC and the current concentration of risk. Most importantly, while others have simply called for reform, this Florida TaxWatch report quantitatively analyzes several proposals for reforming the FHCF.


The report finds that currently proposed reforms will reduce the probability, frequency, and amount of potential FHCF assessments on the businesses, consumers, charities, auto owners and others who ultimately pay the FHCF Emergency Assessments, but will increase premiums.


According to the analysis, different reform proposals come with different costs and benefits. All of the reform proposals analyzed in this report would reduce the probability of Emergency Assessments from the FHCF, which would affect nearly all Floridians, but each shows an estimated increase in policy cost for the median policy owner. One proposal would raise the median policyholder’s cost by an estimated $19.25 annually (representing the lowest increase of the proposals analyzed), while the proposal with the highest cost would increase the same policyholder’s cost by an estimated $173.04 annually.

The report also notes that any reduction in exposure for the FHCF via reform increases the net exposure to CPIC, private insurers and reinsurers, Florida Insurance Guaranty Association (FIGA), and the State of Florida. Some immediate legislative reform of the FHCF is necessary because the latest estimate of bonding capability of the FHCF indicates that it is $3.2 billion short of funding its statutory obligations. That means that unless the reforms are made, FHCF will be selling reinsurance to insurance companies that may be unable to meet all of their obligations.


Based on the analysis, Calabro noted, “It is clear that reform is needed, but it is vital that any reform proposals are carefully analyzed to clearly understand the effects on the other components of the insurance system.”


Click here to view this report: Risk & Reward


This report continues our ongoing look at Florida’s insurance systems. For previous research on this topic, please see the Florida TaxWatch April 2009 Special Report, “Florida’s Financial Exposure from Its ‘Self Insurance’ Programs,” available here.



Add a Comment

(Enter the numbers shown in the above image)


Follow jlapotaire on Twitter


Review microshield-es.com on alexa.com
   

[Valid RSS]
Add this Content to Your Site
   


Latest Top (12) News


EPISODE477 - Hurricane Irma Special Report!
This week on IAQ Radio we continue with our coverage of the recent hurricanes and recovery. We will be talking to professionals on the ground in Florida and the US Virgin Islands for their perspective on the recovery from Hurricane Irma. Irma was massive and many IAQ and restoration professionals have been called in to help. Learn from the pros what mistakes and pitfalls to avoid. Also, get first hand eyewitness accounts from your colleagues on the ground. Harvey and now Irma are the two most powerful storms to hit the mainland United States in over ten years. We all knew sooner or later this type of scenario was possible. Now that it's here how do we deal with it? What should IAQ and Restoration professionals watch for while responding to the needs of those devastated by these storms? How do you help out yet not lose your business by making judgments based on feelings vs. rational thoughts? Do you go to the hot spots or stay put and service your clients and of those of people that left for Texas or Florida? IAQ Radio has lined up some experts to help you make these important decisions. John Lapotaire, together with his wife Lydia, has owned and operated Orlando Florida based Indoor Air Quality Solutions since 2001. John is a Building Envelope & Indoor Environment Consultant specializing in building product failure investigations, forensic water intrusion investigations, and building envelope failure investigations for commercial and residential structures. John is also the current President of the Indoor Air Quality Association. He is a Florida Licensed Mold Assessors and a Certified Indoor Environmental Consultant (CIEC). Josh Winton is the owner of Discreet Restoration and Discreet Protect Systems of Pompano Beach, FL. He has over 12 years experience in water damage restoration and mold remediation is considered to be one of the young guns of restoration. His bachelor's degree in Technical Management and Associates in Computer Engineering makes him a rare restoration pro with expertise in Information Technology and over a decade of field experience in water damage restoration and mold remediation. He is becoming a leader of the next generation of restoration pros utilizing time tested field techniques and equipment supplemented with today's technologies. Addison Christian is owner of ADCON Environmental Services located in Fredericksted, St. Croix US Virgin Islands. He has 20 years experience in the asbestos, IAQ, disaster restoration, HAZMAT, medical waste, waste oil recycling and HVAC cleaning professions. He has also has been a general contractor in the Caribbean for over 30 years. Mr. Christian holds numerous certifications, licenses and titles in the related areas. He also has a degree from American University in Business Administration. He frequently travels to the mainland for training and to expand his knowledge base and provide more services for the Caribbean Islands and S. Florida.

Fri, 15 Sep 2017 12:01:03 -0400


EPISODE476 - Hurricane Harvey Special Report! - Ed Ranieri & Sam Simon
This week on IAQ Radio we go into disaster mode and talk to professionals on the ground in Texas plus the JonDon Director of Marketing for their perspective on the recovery from the devastating hurricane that recently hit southeast Texas. Hurricane Harvey was massive and many IAQ and restoration professionals have been called in to help. The recovery will take years and many of our listeners will be involved. Learn from these pro's what mistakes and pitfalls to avoid. Also, get first hand eyewitness accounts from your colleagues on the ground and one of the major companies helping with supplies, materials and expertise in the recovery. Harvey and now Irma are the two most powerful storms to hit the mainland United States in over ten years. We all knew sooner or later this type of scenario was possible. Now that it's here how do we deal with it? What should IAQ and Restoration professionals watch for while responding to the needs of those devastated by these storms? How do you help out yet not lose your business by making judgments based on feelings vs. rational thoughts? Do you go to the hot spots or stay put and service the clients of those that left for Texas or Florida? Radio Joe and the Z-man have lined up some experts to help you make these important decisions

Fri, 08 Sep 2017 12:00:08 -0400


EPISODE475 - FLASHBACK FRIDAY - Jeff May - IAQ, Mold and Sick Buildings...
This week on IAQ Radio we Flashback to two of three shows we have done with author and indoor environmental professional Jeff May. Radio Joe has gone back to show 25 and show 117 with to put together a highlight show with Jeff May. Mr. May is Principal Scientist of May Indoor Air Investigations, LLC in Tyngsborough, MA. He is the author of four books on IAQ (published by The Johns Hopkins University Press), including My House is Killing Me and The Mold Survival Guide, Jeff has been investigating building problems in homes, schools and office for over 25 years, and has examined by microscopy over 35,000 air and dust samples. A nationally recognized speaker on IAQ topics, Jeff is a member of IAQA, the Pan American Aerobiology Association, American Chemical Society, and the New England Chapter of the American Industrial Hygiene Association, among others. He is a Certified Indoor Air Quality Professional (CIAQP, Association of Energy Engineers), and is a licensed Mold Assessor in the state of Florida. He holds a B.A. from Columbia College (chemistry) and an M.A. from Harvard University (organic chemistry), and has served as an Adjunct Professor in the Department of Work Environment at the University of Massachusetts Lowell. LEARN MORE with Jeff May this week on IAQradio!

Fri, 01 Sep 2017 12:00:21 -0400


EPISODE474 - Pawel Wargocki - Is CO2 a pollutant or merely an index for IAQ
We are back live this week with a special guest, Pawel Wargocki, PhD of the Technical University of Denmark. Dr. Wargocki is a prolific researcher and has Chaired or been on just about every important IAQ committee and association in the world. Radio Joe got a chance to hear him speak at the 2017 IAQA Conference and had to get him on the show. Today we will discuss the questions, is CO2 a pollutant or merely an index for IAQ? Dr. Wargocki is an Associate Professor at the Technical University of Denmark; Past President of the International Society of Indoor Air Quality and Climate; Past Chair of ASHRAE Environmental Health Committee and the Position Document Committee; Vice President of Indoor Air 2008 Conference; Secretary of Academy of Indoor Air Sciences; incoming Director of the International Centre for Indoor Environment and Energy. He is a widely respected indoor climate scientist and expert, teacher at undergraduate, graduate and Ph.D. courses; supervisor of several Ph.D. and numerous M.Sc. students. His research has influenced development of indoor air sciences not least because of his studies on the effects of indoor environment on mental performance, on office work by adults and on schoolwork by children. He has carried out numerous laboratory chamber experiments with human subjects (equivalent to 5,000 subject hours) and field experiments (in more than 100 buildings).

Fri, 25 Aug 2017 12:05:32 -0400


EPISODE473 - FLASHBACK Claude Blackburn -Founder Dri-Eaz Products
Today on IAQ Radio we bring out of the archival vault the Z-mans favorite episode from 8-13-2010, Episode 177 with Claude Blackburn. We are calling this one "From humble beginning to raging success, a candid conversation with the Dri-Eaz Products Founder". Radio Joe and the Z-man will be back live next week but do not miss this classic. Claude Blackburn became involved in the cleaning and restoration industry in 1972. Through a combination of courage, determination, hard work and creativity he founded and built Dri-Eaz Products (based in Burlington, Washington) into a business and brand recognized globally as a leader in structural drying. When Claude sold Dri-Eaz in 2006 it had almost 200 employees, 150 distributors and sales of 50 million. LEARN MORE about this remarkable man and how he built his company this week on IAQ Radio!

Fri, 18 Aug 2017 12:00:16 -0400


EPISODE472 - FLASHBACK FRIDAY - Jeffrey Siegel Ph.D.
Dr. Jeff Siegel is an Associate Professor in the Department of Civil Engineering and the Dalla Lana School of Public Health at The University of Toronto. Prior to accepting his current position he was an Associate Professor at the University of Texas, Austin. His interests and research have focused on healthy and sustainable buildings, ventilation and indoor air quality in residential and commercial buildings, control of indoor particulate matter, secondary impacts of control technologies and strategies, aerosol dynamics in indoor environments and HVAC systems. He is also keenly interested in ensuring that good research works its way into practice and this week we want to focus on that theme. Dr. Siegel's Ph.D. is in Mechanical Engineering (2002) from the University of California, Berkeley, he also has an M.S. in Mechanical Engineering (1999) from the same institution and a B.S. in Engineering (1995) from Swarthmore College. He is a prolific researcher and speaker and a very active member of professionals societies and associations including ISIAQ and ASHRAE.

Fri, 11 Aug 2017 12:00:35 -0400


EPISODE471 - FLASHBACK FRIDAY - In Memoriam Larry Robertson
This week we go back in the archives to a few shows we did with an IAQ and Mold pioneer Larry Robertson. Larry joined us twice over the years and Radio Joe has gone back through those shows to put together a highlight real. LEARN MORE this week on IAQ Radio! Larry Robertson, the Indoor Air Quality Association's 1st President and founding Board Member. Mr. Robertson was a leader in IAQ research and services for over 3 decades. He is known for establishing Mycotech Biological, Inc. (MBI), one of the first environmental laboratories that specialized in the identification of fungi associated with HVAC systems. He also contributed in the initial development of the CIE and CMR certification programs and served on the Texas Mold Task Force relative to the development of mold regulations in the State of Texas. Larry published many papers in peer reviewed journals along with a mountain of other papers, articles and presentations. He was a prolific volunteer to industry associations and received numerous special recognition's and awards.

Fri, 04 Aug 2017 12:00:41 -0400


EPISODE470 - Andrew Streifel -Environmental Infection Control
This week on IAQ Radio we welcome Andrew Streifel. Andrew J. Streifel is a Hospital Environment Specialist with the Department of Environmental Health & Safety at the University of Minnesota. Whenever there is a high profile hospital acquired infection one of the first names that comes to mind is Andy Streifel. Mr. Streifel has been involved in the investigation of over 80 clusters of infection related to hospital air quality. He has served as a consultant in over 400 hospitals worldwide on a variety of indoor air quality issues, water microbial contamination and has investigated clusters of bacterial infections due to unsanitary clinical practice. His current research interests involve energy management impact on infection prevention and validation of the air and water safety in healthcare facilities. Andy is a registered Environmental Health Specialist in Minnesota. He currently serves as an invited nonvoting member on the Maintenance Committee for the SSPC 170: ASHRAE Standard for Ventilation of Health Care Facilities 2008 - present. Mr. Streifel is also serving on the revision committee for the 2014 edition of the FGI Guidelines for Design and Construction of Health Care Facilities. He has served on this committee since 1994 and has participated in the development of the 1996, 2001, and 2006, 2010, 2014 & 2018 editions. In addition Mr. Streifel has served on the Special Project committee that authored the HVAC Design Manual for Hospitals and Clinics. He was an author on ASHRAE published articles on Ventilation for the Protection of Immune Compromised Patients-1988, Construction Impact on Indoor Air Quality-1995 and Air Leakage Analysis of Special Ventilation Hospital Rooms-2008. Mr. Streifel has assisted University of Minnesota Institute of Technology & School of Public Health as technical advisor on filtration, patient room airflow studies and particle management projects. He also serves on the National Air Duct Cleaners Association Standards Committee. In addition, he is an author in over 50 articles, published in the academic and professional journals, related to ventilation and water quality in health care.

Fri, 28 Jul 2017 12:00:46 -0400


EPISODE469 -Kristy & Justin Sifford -Listen Better, Plan Better, Hire Bett
This week on IAQ Radio we welcome two people with a rare combination of credentials in the industry. Kristy and Justin Sifford both have extensive experience in the construction and flooring industry and are also experienced professionals on hiring, promoting and retaining employees along with other business operations issues. Just about every business has to wrestle with employment issues and very few business owners are also experts in hiring and recruitment of employees. Some will hire a company like Wylander and others will learn as much about the process as possible and do it themselves. Whatever your style you will learn more during this show. Kristy Sifford founded the company after years of flooring industry experience that included an excellent track record of finding and placing top talent in both flooring and restoration positions. She is a highly successful matchmaker in this business. Kristy started working in her family owned flooring store in college, and grew to develop a flooring company, which was part of a large Disaster Restoration and Carpet Cleaning Company in the Dallas/Fort Worth area. In addition to recruiting, she has worked with many clients in the flooring industry on process improvement and handling remote accounting for flooring companies. Justin Sifford worked in the flooring industry for over 20 years and the restoration industry for over a decade. Having owned flooring companies in the past he has a unique perspective that allows him to appreciate the struggles his clients have owning a business and employing and keeping top talent. He previously worked as the Vice President of Operations for a company that offered consulting and recruiting services to the flooring and restoration industries. He worked with a wide range of companies, from companies as small as $500,000 up to $20 million. He was able to successfully streamline processes for other companies, identify KPI's, and was the chief architect in the growth of our own company

Fri, 21 Jul 2017 11:59:59 -0400


EPISODE468 - Flashback Friday - Joseph Ponessa, PhD, MS
Radio Joe and the Zman are on their summer hiatus, returning next week live. This week we are going to flashback to a show from 12-3-2010 with Joe Ponessa, PhD who at the time had recently retired from Rutgers Cooperative Extension after serving 25 years as the Housing, Indoor Environment and Health Specialist. In that position, he worked on curriculum development and outreach education, serving both lay and professional audiences. Areas of specialization included the indoor environment and its impact on health; management of building moisture problems and building science/construction technology. Dr. Ponessa has consulted for The Department of Housing and Urban Development and the Centers for Disease Control on Housing-Environmental Health issues. He also taught a course in Building Science Moisture Management Principles for New Jersey Building Code Officials and architects.

Fri, 14 Jul 2017 12:00:15 -0400


EPISODE467 - Flashback Friday - Major L. Long - Fire Restoration Pioneer
Join us as we go back in time and discuss the early days of the disaster restoration field with industry pioneer Major Long. Major was one of the first disaster restoration practitioners. Major Long, CR is a past president of the RIA (1978-1980) and also served a term as the association's disaster restoration technical director. Don't miss this opportunity to hear from one of the early innovators in the field of disaster restoration field.

Fri, 07 Jul 2017 12:00:06 -0400


EPISODE466 - Flashback Friday to episode 456
Pete Consigli, CR, WLS; Ken Larsen, CR, WLS, CMP ; Peter Crosa, AIC, RPA and Ed Cross, Esq â??Restoration Contractors of the Future: Will they Get a Spine or be Rolled Over?â??

Fri, 30 Jun 2017 12:00:37 -0400
Follow Microshields IAQ News and Headlines Bloglines RSS Feed

Subscribe with Bloglines

 



IAQ News and Articles

Latest Top (10) News
http://recordings.talkshoe.com/rss1547.xml