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C.T. Lowndes & Company Blog: insurance

View the latest blog posts from C.T. Lowndes & Company.

The arrival of hurricane season is a good time for everyone to review their insurance policies in order to avoid a shock after the big winds blow. Having a conversation with your agent is a good place to start your review. Damage to your vehicle from hurricanes winds, falling trees or limbs, or flooding is covered by the comprehensive coverage on the vehicle. READ MORE >>

    The Biggert Waters Act Flood Reform Act of 2012 mandates some changes as of June 1, 2014. In most cases, policyholders are being given notice of these changes 90 days before renewal. These changes will still occur even though the Act has been since amended.    READ MORE >>

Are You Due a Refund on your Flood Insurance Policy? The Grimm-Waters Homeowner Flood Insurance Affordability Act , passed by the Senate and House of Representatives on March 13, 2014 and signed into Law by President Obama on March 21, 2014, reverses some of the sections of the Biggert-Waters Flood Reform Act of 2012 (BW-12). READ MORE >>

Recognition From Auto-Owners Insurance The Chairman and CEO of Auto-Owners Insurance, Jeff Harrold, has recognized C. T. Lowndes& Company “as one of the leading agencies in Life production for Auto-Owners Life”. This national recognition is huge for an agency that started writing life insurance READ MORE >>

Follow these suggestions to prevent your water pipes from freezing in cold weather Your home or place of business should have a cutoff valve so that the water to the building can be cut off. Close this valve and then drain the water from the pipes inside by opening all valves and allowing the water to drain out. READ MORE >>

Congress has passed legislation (Biggert Waters Flood Insurance Reform Act of 2012) that greatly alters the National Flood Insurance Program (NFIP) and, in some cases, this legislation will cause an increase in premiums. Will the new legislation affect my flood policy? It may. READ MORE >>

The South Carolina Department of Insurance is concerned about the effects of the Biggert Waters Flood Insurance Reform Act (BW12) and is anxious to hear from persons who have been greatly affected by large increases in premium. Mississippi has filed a lawsuit against FEMA regarding BW12. READ MORE >>

The recent heavy and frequent rains have created a couple of headline-making sinkholes in the area. Does the standard ISO HO-3 or DP-3 policy provide coverage if a house falls into a sinkhole? The short answer is “No“. Under General Exclusions, the Earth Movement section excludes “any other earth movement including earth sinking…” READ MORE >>

The last blog talked about premium credits that may be available on your personal auto policy. Here are some credits that apply to homeowners policies. Again, keep in mind that not all companies offer every one of these discounts. Have your auto and home insurance with the same agent, have your home and auto coverage with the same insurance company. READ MORE >>

Although insurance premiums increase all the time, insurance companies do give many discounts that allow your premium to be reduce. You are probably familiar with credits for multicar cars on one policy, good student discounts, and claim free discounts but there are many other discounts as well. READ MORE >>

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