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Amendment of Hurricane Helene Emergency Order & Hurricane Milton Emergency Order Oct 16, 2024 TALLAHASSEE, Fla. – Governor Ron DeSantis provided updates for Florida policyholders following Hurricanes Helene and Milton. The update includes the amendment of an existing order, and issuance of an additional emergency order by the Office of Insurance Regulation (OIR) to protect policyholders…

What is It? The Integrity Church & School Services Program began in 2018 to meet a need for providing Property Insurance for Churches and Schools and other Non-Profits in the state of Florida. The Program is based on a Master Insurance Policy concept which is an insurance contract issued to a policyholder that combines what…

Church Law & Tax covers how to respond to injuries at church: Read Now

Mel Himes & Assocaites Insurance Agency, Inc will be offering one of the best identity theft products on the marketing in the coming weeks. Read what U.S. News 360 Reviews  reporter Kristen Hampshire says about IdentityIQ – IdentityIQ is a U.S.-based identity theft protection company founded in 2009 that offers four tiers of security to…

Deductibles represent money an insured must pay before insurance coverage kicks in. Most property insurance policies cover property damage claims arising from a variety of causes – fire, lightning, theft, sinkhole, Wind/Hail and more. Choosing a property policy that includes a high deductible usually translates into lower premium. It also means when a loss occurs…

If you own property you should consider having a Flood Insurance Policy for the protection of your property and, to be honest, for your own peace of mind. Many people do not realize that a Homeowners or Commercial Property policy does not cover any aspect of a Flood. If a Flood does occur in your…

‘Annual Enrollment’ or ‘Open Enrollment’ is a period of time, usually but not always occurs once per year, when employees of companies and organizations may make changes to their elected fringe benefit options, such as health insurance or Medicare plans.  The term also applies to the annual period during which individuals may buy individual health…