This  Process is 120 ays and began on 12/14/2009 after  they lost their rating from DemoTech. This loss of a rating will affect mortgage companies since a  non A rated carrier  is not acceptable by them.We do not know when the mortgage companies will eventually figure this out. As if the Insurance issues are not bad enough already, now this happens and just after State Farm announnced it was going to drop 125K  people.  Their are several solutions for this problem including another company buying out Magnolia, but time will tell.Insuring your home w/ Magnolia is not safe currently, but Citizens will not accept them unless it qualifies under their normal guidelines which most will not. Please read the full story below or contact us at L & S Insurance for more info.