We've hardly had a chance to catch our breath after Hurricane Laura and here we are, facing Delta. 

We've shared with you tips on Hurricane Preparedness, travelling and moving but here are a few more tips we've learned since evacuating August 26th.....

Even if you were lucky enough to not have a claim due to Laura, take your home and flood insurance policies with you should you evacuate for Delta! Many folks were left unprepared to file their claim because they didn't think to grab that insurance policy when packing to evacuate. Your policy gives important details about your coverage as well as phone numbers you need in the instance of a claim. 

Make sure your auto policy is with you also, especially if you have Comprehensive and Collision coverage and be sure you have a current ID card on hand. 

If you evacuate and end up in the hospital - Do NOT allow anyone to change your Medicare plan! We've had this happen and the results are not always what is best for you. Your Medicare Supplement travels with you and your Medicare Advantage plan pays for emergency services whether you are in your network or not. Only in the instance of a permanent move outside your network area should you change your plan.

Please be careful allowing someone to "help" you by changing "part" of your Medicare plan. A Medicare Advantage plan usually includes RX so someone changing "only the drug portion" - changes your entire plan! You may end up with only basic Medicare and a drug plan leaving YOU to pay the 20% Medicare does not pay on covered charges and perhaps even more. This is especially important if you're on Medicare AND Medicaid!

Hope these tips help. Take care of your health and protect home as well as possible from further damage. I know, this isn't always easy, especially now, but do your best. We are praying with and for you.

Tommy Curtis and Staff

Life and Medicare Products marketed through Curtis & Associates Financial Services, Inc. {A Life and Health Agency} ​

  As we move into the second month of 2020, there are so many things to consider when thinking about your insurance.

  We're going to take a moment and direct you back to some of our most important and most informative posts throughout the past couple of years.

Bet the title of this post has you wondering what that old adage about the weather has to do with Insurance.

Lots!
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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.

Purchasing a new home can be fun and exciting, it can also be fraught with fears, insecurities and too many things on your ‘to do’ list. Many people get all caught up in the excitement and forget one of the most important aspects of buying a new home–Insuring it!–then, in a panic, accept the first quote they receive, not understanding the basics of a home insurance policy.
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​                                                                  Don’t be one of them.
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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?
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If you’ve ever needed to make a change to your insurance policy or done research into adding coverage, you may have heard the terms Rider and/or Endorsement and wondered, What is the Difference?

In this post we’ll explain and hopefully you’ll feel better informed when it comes to your insurance policies.

​Whether you think of moving as a grand adventure or one of the most stress-filled undertakings you ever endure, changing locations is something many of us do at least once in our lifetime. We’ve compiled a few tips to help you transition a little more smoothly.