The 9/30 date for Flood reorganization and rate hikes to make up the 19 billion shortfall before this storm now shows that everyone should have flood coverage and the rates need to be increased. We will see rate hikes here in Fort Lauderdale and all of Florida and they should start 1/1/2012 at about 20% average. The bill has already passed the house and now it will go to the Senate after the Labor day break and then to the president to sign off on. This will be an easy bill to pass and no one can say it will hurt them as a  20% hike will only be about $100/year for most. Please call L & S Insurance for all of your Insurance quotes for Home, Auto, Flood, Business and Commercial and life Insurance as well. Please enjoy the full article below from Properto;