From your mouth to god’s ears I hope!!! I would not be waiting for this to happen, but it will be interesting to see how the Insurance carriers file for increases next year. Re Insurance is not so simple and there are many layer’s of it so simply saying rates are down does not always mean rates will drop as they should. Companies will be taking on more risk and exposure so they will need more protections to be sure they remain a viable company in the future. We are seeing the availability of more carriers being available to write the business, but let’s see if we start to see rate decreases. I believe we will still see increases next year at 10-20 % and then we may start to see decreases if thew claims side continues to Improve. Please read the full article below and please call L & S Insurance at 1-888-244-7400 for quotes on Home, Auto, Flood, Business & Commercial and Life Insurance products as well.