Hicks Insurance Group

Insurance Alert!! For all flood policies there is a standard 30 day waiting period from the effective date, unless you fall into one of the categories below.
The standard waiting period for flood insurance is 30 days, but there are some exceptions:
Policy renewal
You can avoid the waiting period by changing your existing policy at or just before its renewal date.
Federally backed lender
If the coverage is required by a federally backed lender, there is no waiting period.
Community flood map change
If the coverage is related to a community flood map change, there is no waiting period.
Newly designated high-risk flood area
If a home or business is newly designated to be in a high-risk flood area, there is no waiting period if you purchase flood insurance within 13 months of the map update.
Wildfire-affected federal land
If your home is affected by flooding on burned federal land, there may be no waiting period if you purchase an NFIP policy within 60 days of the wildfire containment date.
Damage done before the effective date of your policy will not be covered.

Insurance Alert!! If you need it insured, you better hurry. Some carriers have already issued a moratorium due to the pending storm. The rest will soon follow.

Insurance Alert!! You can file this little tid bit away for when It's needed. If you have a non fault accident and require the assistance of an attorney, please make sure to tell them right up front not to file on your insurance policy, unless it's absolutely necessary. Sometimes, it may be necessary, due to the at fault party, policy limits being exhausted. But many times, it's not needed. Once they file a claim on your policy, not only will you have the non fault wreck on your driving record but you will also carry a claim surcharge for at least 3 years. In my experience, the attorneys automatically file on both policies to drive up the amount paid out.

You owe it to your bank account to check your insurance premiums.

I just quoted an Allstate insured. Current premium on two vehicles, $1,593.03. I was able to find the same coverage for $548 every 6 months!