Throughout the past years you might have received a TAKE OUT /NOTICE OF ASSUMPTION from carriers wanting to place your policy with an “A” rated State backed carrier. We at M&L strongly suggest taking advantage if this program and to accept the offered take out. In most cases the premiums are less or the same but the quality of coverage and service will be much better. These take out offers will not stop as the State is trying to eliminate the current policy count in the State  run CITIZENS program.
  PLEASE DO NOT HESITATE TO CONTACT M&L INSURANCE WITH ANY QUESTIONS YOU MAY HAVE, WE WILL BE MORE THEN HAPPY TO HELP
AOB Fraud primarily in only South Florida(Compared to the entire country)   is now so out of control with overestimated water loss claims that a national insurance rating company DEMOTECH is planning on downgrading Florida insurance carriers due to this growing issue. Why does this effect me ??? Well if you are with a carrier that is scheduled to be downgraded from anything below an “A” your lender will now require you to secure another carrier with at least and “A” or better rating.  This in some cases might not even be available depending on the home location, age, and coverage . Any FDIC loan requires that any monies borrowed must be secured and insured by an “A” or better insurance company.
MEET THE TEAM!
  40+ options with every AM Best rated carrier in the State.

We kill it with homes. Nobody beats the rate or the coverage. Lower deductibles, better coverage at sometimes 30%-50% less. Market is competitive and a top agent knows how to quote it accurately without issue. 

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This newsletter is intended for M and L Insurance policy holders who provided e-mail information.