Please call L & S Insurance at 1-888-244-7400 for free quotes on Home Insurance, Auto, Flood, Private Flood, Car Insurance, Business & Commercial & Life & Financial products as well.



Community: PALM BEACH COUNTY* Project Name: Palm Beach County FL MapMod08

Projected Preliminary Date: 05/31/2013
Actual Preliminary Date: 05/31/2013
Appeal Period Start Date:
Appeal Period End Date:
Projected Effective Date: 03/21/2017
Actual Effective Date:
Actual LFD Date:
Project Status: Active


Preliminary Date – The date when new preliminary DFIRMs were presented to community officials.
Appeal Start – Start date for the official 90-Day Appeal Period.
Appeal End – End date for the official 90-Day Appeal Period.
LFD Date – The date where community officials are notified that a new or updated DFIRM will take effect in six months.
Effective Date – The date when a new Digital Flood Insurance Map (DFIRM) become effective.
DFIRM – Digital Flood Insurance Rate Map
LFD – Letter of Final Determination
Project Status Active – Mapping project in status
On-Hold – Mapping project experiencing delays
Completed – Mapping project finished; updated map in effect
Note – Projected Dates are only estimates as final dates have not been determined.
If your property is newly mapped into a high-risk flood zone, you might be eligible for a cost-saving rating option called the Newly Mapped procedure.


Call your community’s Floodplain Manager for more information on maps changing in your area. You can also reach the FEMA Map Information eXchange at 1-877-FEMA MAP (1-877-336-2627).



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Please call L & S Insurance at 1-888-244-7400 for quotes on Home, Auto, Flood, Business & Commercial, & Life & Financial Insurance as well.







A Florida property insurer that provides insurance coverage to 128,000 homeowners is planning to go public by issuing an initial public offering (IPO) that could result in the insurer raising up to $100 million in new capital.

The insurer, however, has yet to announce how many shares of stock it will sell and at what price. The IPO filing also does not include whether the stock will be traded on NASDAQ or NYSE stock exchanges.

“We may use this offering to pursue expansions of the insurance products that we offer in existing and new markets.”

Those additional products could include commercial residential and manufactured housing, along with other non-residential coverage such as general liability.

Heritage also stated it will use some of the funds to beef-up its reinsurance program, which largely depends on the Florida Hurricane Catastrophe Fund.

While its overall reinsurance program is not in place for the 2014 hurricane season, last year it had treaties with 13 private reinsurers. It also has coverage through its reinsurance subsidiary, Osprey Re. Ltd.

Please call L & S Insurance at 1-888-244-7400 for quotes on Home, Auto, Flood, Business & Commercial and Life & Financial products as well.


60K policies to be removed quickly and the good news for consumer’s is that Heritage Insurance  will agree to the Citizens Glide path for rate hikes cappped at 10% for the next 3 years.  This is the good news for all of us as now we know what will happen and what to expect and tell our clients to expect. This is a sweet deal for Heritage as they will be paid by Citizens for every policy removed because they will take over all claims from 1/1/2013. Since they are selecting the policies they are taking, none with claims are likely so the money will go to surplus. Since that in tune with the Re-insurance program in place they will be welll capitalized for claims which is what will really matter when a Hurricane hits Fort Lauderdale and anywhere in South Florida. Since most of the policies will come from South Florida, when a Hurricane really hits they will need the money for sure. This is still good news overall for the Florida consumer’s and the agents as well. Please read the full article below and please call L & S at 1-888-244-7400 for quotes on Home, Auto, Flood, Business & Commercial and Life Insurance as well.



1 for the good guys!!!!!!!!!!’

Lee from L & S Insurance

One of my clients just had a 10% increase in his coverages in Weston Fla and the price went down about 15% overall. This was a package deal w/ multiple policies and now the price has dropped when other’s are rising. Now I see this article and it confirms that good markets are still available and we have them for our clients in Florida. Yes, even during hurricane season we can still get some great deals. You can ask for a quote on this blog page if interested! This article talks nationally  as well, which at least shows some progress and hope for Florida! Please read the article below and click for a Home and Auto quote;


Weddings today are very expensive! Your fiance may not show, but how about weather issues or illnesses and family issues that suddenly happen. If you or someone you know are getting married  and the wedding plans are under way, please refer them to L & S Insurance for a  wedding policy to protect from the cost of the wedding and lost monies and deposits.


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