Strong winds require strong protection

Hurricanes are powerful. Winds reaching 140 miles per hour can exert an inward push of 1,000 pounds on a typical exterior door. They can blow water nearly six inches up a wall and drive gallons through the smallest cracks. They can transform harmless roof shingles and lawn furniture into flying missiles.

What’s the best way to tackle such an awesome force? Be prepared and start with the right homeowners insurance protection from one of our carriers get a fre quote now.

www.es-insurance.com 

Wind Mitigation Inspection

“Florida law requires insurance companies to offer homeowners discounts or credits for existing building features or home improvements that reduce damage and loss from hurricanes. Florida insurance companies are required to file these discounts with the Office of Insurance Regulation”.
The state has issued a new FL Wind Mitigation Inspection form on 2/1/2012. Most admitted carriers will require this new form for all new policies beginning February 1^st, and may also start requiring re-inspections on existing policies to utilizing the standards as set forth in the new form.

If you need more information or have any questions please contact me:
www.es-insurance.com

Florida Passes PIP Reform Bill

Gov. Rick Scott got the legislation he wanted to reform Florida’s mandatory motor vehicle no-fault law and crack down on the abuses in personal injury protection cases that have led to skyrocketing increases for coverage.

Whether the new measure will be effective remains to be seen.

The personal injury protection (PIP) law was adopted in 1972 to make sure anyone injured in an auto accident would quickly get money to treat their injuries. The legislation provided that a driver’s insurance company pay up to $10,000 to cover medical bills and lost wages after an accident, no matter who is at fault.
PIP costs have risen by $1.4 billion since 2008, largely because of the runaway fraud that threatens the system, most notably in the metropolitan Miami and Tampa areas. Florida ranks first nationally in staged accidents.
The legislation requires an accident victim to obtain treatment within 14 days in an ambulance or hospital, or from a physician, osteopathic physician, chiropractic physician, or dentist. The full $10,000 PIP medical benefit is available only if a physician, osteopathic physician, dentist, or a supervised physician’s assistant or advanced registered nurse practitioner determines that the insured has an “emergency medical condition.” Otherwise, the PIP medical benefit is limited to $2,500.

For more information contact or for a free Quote

http://www.es-insurance.com/

How Suicide Is Covered By Term Life Insurance Policies

One of the questions from my life insurance clients is about suicide.  Is suicide covered? They always asked.  So I decided to write a little blog about it.

Each life insurance policy is different, but most contain a suicide provision. The suicide provision states that if the person covered by the life insurance policy dies as the result of suicide within two years from the policy issue date then any beneficiaries would not be able to collect the death benefit. Otherwise, after the two year suicide provision period, the policy should pay the death benefit to the beneficiaries. But, again, check the policy's exclusions section, since the suicide provision can be different for each policy.

 For more inforamtion please contact me

http://www.es-insurance.com/