Hurricane Season is underway and many folks are still not recovered from the natural disasters of 2020-2021. The GOOD News is that our Federal Government has implemented a grant program called "Restore Louisiana" (similar to Road Home after Hurricane Rita) and you still have time to apply! Restore Louisiana provides grant funding for home repair or reconstruction, mobile home repair or replacement, or reimbursement for repairs already completed. The 3rd Quarter of 2022 is almost over, so we thought we'd do a quick check up to review with you some things you might want to be aware of.... Our children have been back to school for several weeks now, but it's always wise to drive with care and pay attention out there. We're still smack in the middle of hurricane season and although we've been blessed so far to not have anything come close to us, we're not out of the woods yet. Brush up on your preparation tips as well as binding restrictions for home, auto and recreational vehicle insurance. You might also want to review our posts on understanding your home or mobile home insurance and policy deductibles as well as the need for flood insurance. Football and Festivals are in full swing. We've got information that will help you be safe and have fun while you're out and about. Medicare AEP is right around the corner (Oct 15 - Dec 7) so now is a good time to review your Medicare policy. New to Medicare? Check out our FAQ and Understanding Medicare posts. If you don't already have a local agent, give us a call. We'd be happy to be yours! Have Medicare and Medicaid or a Veteran with Medicare? We can help you too! If travelling is in your plans for the holidays this year, check out our tips for travelling smart and other articles that can benefit you during the most wonderful time of the year. As we round out 2022, we here at Curtis Insurance sincerely hope we've provided blog posts that are educational and informative and pray you'll drop by monthly to see what we're sharing. Until next time take care and remember.... In a world where you can be anything, be kind. Tommy Curtis and Staff Disclaimers: ALL material on this blog is available for informational purposes only and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own personal advisors before making these types of decisions. Life and Medicare Products marketed through Curtis & Associates Financial Services, Inc. {A Life and Health Agency} Medicare has neither endorsed nor reviewed this information. Not connected or affiliated with any United States Government or State agency. Calling this number will direct you to a licensed Agent/Broker. *By contacting us and providing information, you agree that an authorized representative or licensed insurance agent may contact you by phone, e-mail or mail to answer your questions and provide additional information about Medicare Advantage, Part D or Medicare Supplement Insurance plans. Back in Feb. 2021 we announced that we were no longer selling Home, Mobile Home or Dwelling (Landlords) policies due to changes in staff at our office. We did, however, promise to continue to service the policies we maintained. Recently it has come to our attention that two of our Home Insurance Companies, Lighthouse Excalibur AND Southern Fidelity have been forced into liquidation by the Insurance Commissioner of Louisiana and Florida. Lighthouse policies expired at 12:01 am today (June 21st, 2022) and Southern Fidelity policies will expire at 12:01 am July 15th, 2022. In an effort to keep our promise of service to you, we suggest you contact the agent of your choice IMMEDIATELY, so they have time to shop for the best policy to fit your individual needs. If you haven't already replaced your Lighthouse policy, get your coverage in place before a storm develops and they are under binding restrictions! OR Contact one of the following Independent Insurance Agents and mention us! Horace Mann Insurance Co (Ask for Stephanie) Address: 226 W Prien Lake Rd, Lake Charles, LA 70601 Phone: (337) 439-1346 Kelly Lee Insurance Address: 3205 Ryan St, Lake Charles, LA 70601 Phone: (337) 656-2890 Advanced Protection Insurance Agency Address: 1435 Sam Houston Jones Pkwy, Lake Charles, LA 70611 Phone: (337) 905-8585 If we are your agent for Lighthouse OR Southern Fidelity and your new agent needs anything from us (ex: a prior dec page or claim information) have them reach out to us. *Please remember Home or Dwelling insurance does NOT cover flood! That is a separate policy.* Wishing you the best in finding new coverage. Tommy Curtis and Staff We’re in our second month of Hurricane season and I am forever amazed at some of the phone calls we receive for home insurance. Although we have discussed understanding home insurance in detail, binding restrictions, riders and endorsements, have FAQ’s and have covered policy discounts, many people aren’t aware of the guidelines and regulations regarding a home insurance policy. Here are a few things to consider before calling us, or anyone, for a home insurance quote…. Bet the title of this post has you wondering what that old adage about the weather has to do with Insurance. Lots! Brought on by Spring storms, March winds can mean anything from a gentle breeze to huge gusts to tornadoes. April showers sometimes mean flooding and those May flowers for June brides lend to thoughts of insuring your love. If you call for a home, mobile home, or flood policy or to add comprehensive and/or collision insurance to your auto policy and are told no because the company is under binding restrictions, it may confuse or even irritate you. What in the world are binding restrictions and why do insurance companies implement them? |
Tommy Curtis
Is an insurance agent with integrity and your best interest in mind. Call to speak directly to him. Contact us Phone: 337-433-1683 Address: 509 7th Street Lake Charles, LA 70601 Office Hours: M-F 9a - 5p (CST) Follow Us
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