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  • Choice One Insurance - loanOptions - Extra Pages - FORECLOSURE – Tenants Rights
    tenants when the property they are renting is foreclosed For a tenant to receive these protections a bona fide lease or tenancy as defined by PTFA must have been entered into before the date of the notice of foreclosure What notice of foreclosure means was unclear under PTFA but has been clarified by the 2010 Dodd Frank Wall Street Reform and Consumer Protection Act Dodd Frank Act The Dodd Frank Act now defines the date of notice of foreclosure as the date on which complete title to a property is transferred to a successor entity or person as a result of an order of a court or pursuant to provisions in a mortgage deed of trust or security deed As a result tenants are now presumably protected by PFTA as long as they entered into a bona fide lease or tenancy before the new title was issued Under PTFA the immediate successor in interest usually the bank is required to honor the terms of the lease unless it sells the property to a buyer who will occupy it as a primary residence If the property is sold to such a buyer the tenants are entitled to receive a 90 day

    Original URL path: http://www.choiceoneinsurance.net/loanOptions/Extra%20Pages/FORECLOSURE%20%E2%80%93%20Tenants%20Rights/. (2016-04-29)
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  • Choice One Insurance - Content Pages - Extra Pages - Citizens Windstorm Mitigation Re-Inspections
    Wizard Mortgage Center Mortgage Calculators Home Purchase Assistant Home Refinance Advisor Today s Mortgage Rates Insurance Website Home Citizens Windstorm Mitigation Re Inspections Citizens Property Insurance Corporation is conducting Windstorm Mitigation Re Inspections You may receive a notice from Citizens advising that an inspector will be contacting you to make an appointment to inspect the property to confirm if the credits that were originally applied to the policy are correct This inspection is very important and needs to be completed or all credits will be removed Once the inspection is submitted Citizens will send a notice advising you of any changes to the upcoming renewal A copy of the inspection can be obtained through Citizens web site www citizensfla com or your agent If for any reason credits are removed do not panic These changes will not be reflected on the policy until your upcoming renewal This allows time to make the necessary upgrades or to provide the supporting documents to reinstate the credits You may also visit Citizens website or contact your agent for additional information Reporting by Jennifer Gall Erin Land Ludy Invernizzi Editing by Marcos Fullana Quick Quote Please turn on Javascript to view this form Type

    Original URL path: http://www.choiceoneinsurance.net/loanOptions/Extra%20Pages/Citizens%20Windstorm%20Mitigation%20Re-Inspections/. (2016-04-29)
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  • Choice One Insurance - Content Pages - Extra Pages - ChoiceOne Insurance Logo
    Local Resources for Insurance Clients Free Insurance Reports Home and Auto Marketplace Home Search View Featured Listings Home Value Wizard Mortgage Center Mortgage Calculators Home Purchase Assistant Home Refinance Advisor Today s Mortgage Rates Insurance Website Home ChoiceOne Insurance Logo Quick Quote Please turn on Javascript to view this form Type of Insurance Select One Auto Insurance Home Insurance Health Insurance Life Insurance Business Insurance Credit History Select One Excellent

    Original URL path: http://www.choiceoneinsurance.net/loanOptions/Extra%20Pages/ChoiceOne%20Insurance%20Logo/. (2016-04-29)
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  • Choice One Insurance - Content Pages - Extra Pages - Things you need to know about Medicare for 2012
    if you wish to keep your current plan You may enroll disenroll or change plans The last election made determined by the application date will be the election that takes effect on Jan 1 st for the calendar year Be careful in choosing Check your current plan for any changes Consider your maintenance drugs as each plan with an integrated prescription drug plan has its own formulary B asically unless you are covered under a current or former employer s group plan these are your choices 1 Original Medicare only this is having Medicare Parts A and B 2 Original Medicare with a Medicare Supplement or Medigap policy 3 Original Medicare with a stand alone Part D Prescription Drug Plan 4 Original Medicare with both Supplement AND a Part D Prescription Drug Plan By law Medicare Supplement plans cannot provide prescription drug benefits 5 Enrolling in a Medicare Advantage Plan most offer an integrated Part D drug Plan S econdly if you elected to enroll in an MA or MAPD plan you will have 45 days between Jan 1 st and Feb 14 th 2012 during the Medicare Advantage Disenrollment Period MADP in which you may request disenrollment from their plan and return to Original Medicare and subsequently may enroll in a PDP or may simply request enrollment in a PDP resulting in automatic disenrollment from the MA plan The exception being that MA only PFFS must first request disenrollment As allowed in past years you MAY NOT change MA plans during this period T ypes of Medicare Advantage MA plans include HMOs PPOs RPPOs PFFS Medicare Savings Account Cost Plans and Special Needs Plans SNPs for those diagnosed with specific qualifying chronic diseases such as diabetes or COPD for example Enrolling in a Supplement or any Medicare Advantage plan

    Original URL path: http://www.choiceoneinsurance.net/loanOptions/Extra%20Pages/Things%20you%20need%20to%20know%20about%20Medicare%20for%202012/. (2016-04-29)
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  • Choice One Insurance - Content Pages - Extra Pages - Lawmakers hope new bill fixes hurricane insurance
    in premiums in 2009 compared to 5 6 billion five years earlier after the first four of the eight storms that hit the state in two years had made landfall Despite the 25 percent increase in premiums during the intervening quiet years the insurance industry says it is losing millions of dollars each year in Florida Several companies also became insolvent and disappeared OIR meanwhile has approved rate increases of about 30 percent for the top 20 property insurance companies in the past two years Still the industry says it has been unable to stockpile sufficient reserves it could tap after a major storm The industry says it was stockpiling between 7 billion and 9 billion in surplus annually for several years before the 2004 05 storms hit We needed every penny of that surplus we had in 2004 and 2005 and it still wasn t enough said Sam Miller vice president of the Florida Insurance Council an industry group It s a very foreboding situation when you don t accumulate billions of dollars when you don t have a hurricane No company is building the surplus it should be building during non hurricane years no company that s the crisis But many homeowners dispute the industry s claims If they thought they passed something they thought was going to work they re in for a rude awakening said John Thompson a 45 year old small businessman from Spring Hill Nothing we re doing here makes common sense Thompson s 2 200 annual homeowners premium has roughly tripled in the last decade He is covered by Citizens after being canceled by four different commercial companies Florida s property insurance system has been an almost annual legislative headache since shortly after Hurricane Andrew struck South Florida in 1992 the Category 5 storm killed caused about 16 billion in insured damage Legislators in 2007 tried to protect consumers from crippling rate increases thinking that was the best way to go But most of that backfired accomplishing none of their goals They did a number of things they thought were pro consumer that seemed like a good idea at the time but it turned out there was potential for abuses that we did not anticipate said Kevin McCarty the state s chief insurance regulator Unfortunately the abuses and costs of other cost drivers particularly sinkholes has been a real drag on the surplus of our companies even without hurricane season McCarty said Many private carriers including giant State Farm began to cut back on the number of policies they were willing to write in such a risky climate both politically and from storms Insurance companies operating in Florida generate billions of dollars in jobs payroll tax revenues and economic impact said former state Rep Don Brown of DeFuniak Springs a longtime insurance executive Yet the political attitude has been mostly punitive toward insurance companies and the industry But backers believe that the new bill will solve the problem McCarty believes the new legislation

    Original URL path: http://www.choiceoneinsurance.net/loanOptions/Extra%20Pages/Lawmakers%20hope%20new%20bill%20fixes%20hurricane%20insurance/. (2016-04-29)
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  • Choice One Insurance - Content Pages - Extra Pages - Shedding Light On Car Insurance Savings
    an independent agency ChoiceOne Insurance can help We can review your policy and possibly help you find a variety of illuminating ways to save money Here are some things you may want to consider Ask us to check several companies rates This is the single most important thing you can do to get the best possible rate and we can do it for you quickly and easily The difference between the highest and lowest rate available to you from different companies could vary by hundreds of dollars Reduce or drop physical damage coverage on an older car Depending on your car s age and where you live comprehensive and collision coverage may not be worth keeping We can give you advice on whether it makes sense to reduce or drop this coverage altogether Raise your deductible According to the Insurance Information Institute raising your deductible from 200 to 500 could reduce your collision and comprehensive cost by 15 to 30 percent In addition because the average driver files a collision claim only once every ten years odds are that over the lifetime of your car a higher deductible will save you money We can show you how raising your deductible will lower your premium Look for discounts Many insurance companies reduce premiums for certain driver traits or car features For example being a homeowner for more than three years nonsmoker nondrinker students with good grades senior citizens who have taken an approved defensive driving course people who only drive for pleasure cars kept in garages antilock brakes antitheft devices air bags etc Ask us to check Don t assume having your car and home insured by the same company is the best option Because auto insurance rates vary so much from company to company it may make sense for you

    Original URL path: http://www.choiceoneinsurance.net/loanOptions/Extra%20Pages/Shedding%20Light%20On%20Car%20Insurance%20Savings/. (2016-04-29)
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  • Choice One Insurance Partner Links | Cheapest Car Insurance | Homeowner Insurance in Florida
    to optimize your placement in search engines and promote traffic to your site join our Partner Links Program by filling out the form at the bottom of the page It s Free and helps us both After your submission we will review your information and notify you of approval Listing 0 0 of 0 Previous 1 Next of 1 Page Join Our Partner Links Program Name Email Link Link Text

    Original URL path: http://www.choiceoneinsurance.net/partnerLinks.html#### (2016-04-29)
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  • Choice One Insurance Partner Links | Cheapest Car Insurance | Homeowner Insurance in Florida
    to optimize your placement in search engines and promote traffic to your site join our Partner Links Program by filling out the form at the bottom of the page It s Free and helps us both After your submission we will review your information and notify you of approval Listing 0 0 of 0 Previous 1 Next of 1 Page Join Our Partner Links Program Name Email Link Link Text

    Original URL path: http://www.choiceoneinsurance.net/partnerLinks.html##### (2016-04-29)
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