Don’t wait for Disaster to Strike – Make sure you have bought fire, wind and flood.

Review your insurance policies and check the limits on the policies.  Make sure the limits are enough rebuild your property if you were to have a total loss.

Private Market Opens for people Adversely Effected by Biggert Waters Act

Blackwell Insurance COO Tina Blackwell was recently asked by the Panama City News Herald about the issue of flood insurance for Florida homeowners. Here is an excerpt from the published article.

South Florida homes aren’t the only ones seeing rate spikes. One local home’s flood insurance premium jumped from $3,300 to $26,000, said Tina Blackwell, chief operational officer at Blackwell Insurance in Panama City .

Blackwell said the soaring rate was an “extreme case” and the home was purchased after July 2012.

She said homes seeing the eye-popping rate increases were bought after July 2012, when Biggert-Waters was passed, and are in certain classification of flood zones.

“The increase happened at the renewal this year,” she said, after Biggert-Waters took effect Oct. 1.

The homeowner was not happy, but Blackwell said she searched the private insurance market and will secure a policy for less than than $13,000.

For years, the federally subsidized flood insurance market undercut private insurers, essentially pushing them out, but Blackwell said the skyrocketing premiums are generating more private options.

Blackwell said locals can avoid a flood insurance nightmare by knowing a home’s base flood elevation before buying or raising the foundation before building.

“That’s the best way people are going to be able to protect their assets,” she said.

Biggert – Waters Flood Insurance Reform Act

Flood Insurance Reform Act of 2012

In July 2012, the U.S. Congress passed the Biggert-Waters Flood Insurance Reform Act of 2012 (BW-12) which calls on the Federal Emergency Management Agency (FEMA), and other agencies, to make a number of changes to the way the National Flood Insurance Program (NFIP) is run. Some of these changes already have occurred, and others will be implemented in the coming months. Key provisions of the legislation will require the NFIP to raise rates to reflect true flood risk, make the program more financially stable, and change how Flood Insurance Rate Map (FIRM) updates impact policyholders. The changes will mean premium rate increases for some—but not all—policyholders over time. Homeowners and business owners are encouraged to learn their flood risk and talk to their insurance agent to determine if their policy will be affected by BW-12.BW-12 Overview

Instructional Videos

Flood Insurance Reform Act of 2012 Video
A video that describes the history and upcoming changes to the National Flood Insurance Program


The Biggert-Waters Flood Insurance Reform Act of 2012: An Overview
The Biggert-Waters Flood Insurance Reform Act of 2012: Elevation Ratings
The Biggert-Waters Flood Insurance Reform Act of 2012: Addressing Flood Risk
The Biggert-Waters Flood Insurance Reform Act of 2012: What Is a Subsidized Rate?
The Biggert-Waters Flood Insurance Reform Act of 2012: Moving Away from Subsidies
The Biggert-Waters Flood Insurance Reform Act of 2012: Reducing Insurance Costs


Cybercrime’s Easiest Prey: Small Businesses

For as little as $1000 in premium, your company can be protected.

Read this article on CNN regarding Cyber Risk Liability.

Read more about our Cyber Risk Liability Insurance Coverage.

Where Do Those Florida Homeowner’s Insurance Premium Dollars Go?

Read this great article by state Sen. David Simmons and state Rep. Bryan Nelson answering this very common question.


See the Recent Video on WJHG Featuring Tina Blackwell of Blackwell Insurance in Panama City, Florida | Why the Cost of Insurance in Florida Continues to Rise

Tina Blackwell on Cost Drivers for Insurance in Florida

See the recent video on WJHG featuring Tina Blackwell of Blackwell Insurance in Panama City, Florida.


Many Affected Lack of Flood Coverage |Wall Street Journal Reports Damage caused by Sandy Flood

Many Affected by Lack of Flood Coverage!

Please find link attached which is an article from the Wall Street Journal reporting the devastation of hurricane Sandy and the driver of losses is caused by the Peril of Flood.   Many of those impacted by damage did not purchase a flood insurance policy.

Over 30% of Flood Losses occur in non designated flood zones and flood is a separate insurance policy that must be purchased and renewed every year.

Be prepared – buy flood insurance!

When I am in a meeting and people ask what is the best risk management advice I can provide to a business or individual I tell them the following three things:

1.  The best risk management plan for natural disasters is to make sure that you have purchased FIRE, WIND &  FLOOD INSURANCE prior to a storm

2.  Take pictures and or video of your insured property inside and out

3.  Heed evacuation warnings

WSJ Insurance Article

Insurance Check | How to Prepare for the Storm!

1.  Get your insurance policies out so that you will have your policy number and the claims hot-line information ready if needed

2.  Take photos and or video of your property inside and out prior to storm and upload on line or e mail so that information can be easily sent to a claims adjuster



American Red Cross App to help Residents in Hurricane-prone areas be prepaired in the event of hurricane or severe storm situation!

Tina Blackwell ARM

American Red Cross App Available!


American red cross has created i phone and android app for residents in hurricane-prone areas. The app provides users with the means to prepare for a hurricane or severe storm situation. The app even includes location based weather alerts from NOAA!

We Save Florida Restaurants Thousands in Insurance Premiums!


Tina Blackwell ARM

We have saved Florida Restaurant Owners Thousands in Premium with Exclusive Seat Program!


We have an exclusive market that specializes in Florida Restaurant Insurance and provides a flat seat rate which means there is no audit at the end of the year based on annual sales!   This program has saved some of customers that qualify thousands of dollars a year in insurance premium.  We only need three key items to quote the policy 1. Total Receipts 2. Total Liquor Receipts 3. Number of Seats at the Restaurant.  Give us a call today to see if your restaurant qualifies (850) 769 2225!