What Do I Do If My Insurance Company Leaves My State?

By Doug Newman

A forest fire in Colorado and hurricane damage in Florida.
(Photo credits below.)

Like all industries, the insurance industry is in a constant state of flux. And over the last few years, economic trends and natural disasters have sent things into overdrive.

Hurricanes in coastal areas from Texas to North Carolina, as well as fires in Colorado, California, and other states, have caused several carriers to either suspend or severely restrict new sales in several states. In Colorado, where I live, hailstorms have been a major contributor to this trend.

The good news is that you can still get insurance. However, there are five very important things you need to know.

  1.  Find a good professional agent with whom to discuss your specific situation and who can make specific individual recommendations. NEVER leave this to the whims of a cell phone app or a call center.
  2. Preferably find an independent broker who can shop multiple carriers.
  3. Know that your new insurance policy may look different than it has in the past.
  4. ABSOLUTELY NEVER wait until the last day! The application and underwriting process may well take longer than normal.
  5. Discuss your car and umbrella coverage with your agent too.  

What will this cost? I don’t know. Your insurance picture, like your DNA, is unique. This is why you need EPS INSURANCE, LLC in your corner. We are financial EDUCATORS. We don’t just crunch numbers and spin out quotes. We find SOLUTIONS that protect you, your family, and your business PROPERLY.

We look forward to serving you.

 Photo credits: Pine Gulch Fire in Grand Junction, CO courtesy of www.thedenverchannel.com; a flattened home in Fort Myers, FL courtesy of the Associated Press; flooding in Cape Coral, FL courtesy of www.nbc-2.com

Doug Newman


30+ carriers ... 40+ states

epsinsures@gmail.com - www.epsinsures.info

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