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good morning peter craig at pacific crest insurance glad to see you today we just want to update you on a few little things thats going on in the insurance world for flood insurance primary flood insurance with the government can be considered between 50 and 79 of the year as well as above 80 percent of the year for primary insurance rates on the government policies so if the insurance here 60 to 70 percent of the time they dont have to pay less than 50 which is much more premium so we want to consider that always also homeowners insurance for the hazard insurance with wind increased premiums are going to go up about 15 this year across the board so thats due to many many late irma claims and reinsurance rates increasing so expect that and well try to keep an eye on shop as best we can for the lowest rates out there also we want to review a couple of things were going to shift the screen okay so we just want to review our website for a little bit heres the address you can get a