Witnesses include: Pamela Duncan, Dir., Office of Legislative Affairs, Dept. of Community Affairs, State of Florida; Larry Gispert, Dir. of Emergency Management, Hillsborough County, Florida; Susanne Murphy, Deputy Insurance Commissioner, Florida Dept. of Insurance; Rade T. Musulin, V.P. & Actuary, Florida Farm Bureau Insurance Companies; Dr. Jack E. Nicholson, CEO, Florida Hurricane Catastrophe Fund; Jim Norman, Commissioner, Hillsborough County, Florida; & Leslie Waters, Representative, Florida House of Representatives.Lazio, Rick is the author of 'Crisis of Homeowners Insurance Availability in Disaster-Prone Areas Hearing Before the Committee on Banking and Financial Services, U.S. House of Representatives' with ISBN 9780756713102 and ISBN 0756713102.