Tropical Storm Nicole - September 27, 2010

With Tropical Storm Nicole upon us it is important to get together your policy information in the event you have damage and need to file a claim. Below is a list of Florida insurance companies and their respective claims phone numbers. Be sure to have your policy number ready if you need to call.

Homeowner Companies

American Integrity
866-277-9871

Frontline
877-744-5224

Tower Hill/ Royal Palm
800-216-3711

American Traditions
866-270-8430

First Protective/ Flood
888-486-4663

Tower Hill Flood
877-254-6819

ASI/ Ark Royal
866-274-8765

Fl. Penninsula
877-994-8368

United
800-861-4370

Bankers
800-627-0000

Hull/Geovera
800-678-4855

United Flood
800-637-3846

National Flood
800-759-8656

Universal
800-218-3206

Olympus
866-281-2242

Universal North America
866-999-0898

US Insurance Services
800-245-1505

St. Johns
877-748-2059

Citizens
866-411-2742

Southern Fidelity
866-772-4995

Sawgrass
877-853-4430

Tapco
888-437-0373

Cypress
888-352-9773

Landmark One
866-243-5163

Liberty
866-219-7100

Federated
800-293-2532

Auto Companies

AIC
800-841-5241

GMAC
800-468-3466

Safeco
800-874-7342

AIG/ 21st Century
888-244-6163

Infinity
800-334-1661

Travelers
800-252-4633

Progressive
800-274-4499

Bristol West
800-274-7865

As always, we are here to help in any way we can so please feel free to contact us with any questions.

Under COBRA, what benefits must be covered?

Qualified beneficiaries must be offered coverage identical to that available to similarly situated beneficiaries who are not receiving COBRA coverage under the plan (generally, the same coverage that the qualified beneficiary had immediately before qualifying for continuation coverage). A change in the benefits under the plan for the active employees will also apply to qualified beneficiaries. Qualified beneficiaries must be allowed to make the same choices given to non-COBRA beneficiaries under the plan, such as during periods of open enrollment by the plan. To make sure your not paying too much on your health insurance, contact us at wwww.fiorellainsurance.com today.

Can individuals qualify for longer periods of COBRA continuation coverage?

Yes, disability can extend the 18 month period of continuation coverage for a qualifying event that is a termination of employment or reduction of hours. To qualify for additional months of COBRA continuation coverage, the qualified beneficiary must:

* Have a ruling from the Social Security Administration that he or she became disabled within the first 60 days of COBRA continuation coverage
* Send the plan a copy of the Social Security ruling letter within 60 days of receipt, but prior to expiration of the 18-month period of coverage

If these requirements are met, the entire family qualifies for an additional 11 months of COBRA continuation coverage. Plans can charge 150% of the premium cost for the extended period of coverage. For more information, visit us online at www.fiorellainsurance.com or call us at 772-283-0003.