FM Agency Group

FM Agency Group We helop you pay less for Insurance.

New member of FM Agency Group.  Odie the office dog
02/26/2026

New member of FM Agency Group. Odie the office dog

Car insurance pain happens when you buy a new car add a young driverafter a claimThe risk has changed for the insurance ...
02/05/2026

Car insurance pain happens when you

buy a new car

add a young driver

after a claim

The risk has changed for the insurance company and they want more money

Are you still with the best option for car insurance?

Car insurance reviews are quick and easy but most customers never ask

Another 5 Star Review from a very happy customer....."FM Agency Agency Group was incredibly helpful in securing a new ho...
01/15/2026

Another 5 Star Review from a very happy customer....."FM Agency Agency Group was incredibly helpful in securing a new homeowners policy that included a lower premium and significantly lower deductible.

All information was ready to be reviewed when I requested it and anytime I followed up, responses were answered exceptionally quickly. If something wasn't known,

Elizabeth looked into it and came back with an accurate response. Five stars for customer service and also for finding a great policy for me" Ms T from Metairie

12/09/2025

When you get the invoice for adding your son to the car insurance policy

$10,000 Fortified Roof Lottery now open  Next Round of LFHP Grants to Open November 12Louisiana Fortify Homes Program (L...
11/11/2025

$10,000 Fortified Roof Lottery now open

Next Round of LFHP Grants to Open November 12

Louisiana Fortify Homes Program (LFHP) grants will include 1,000 grants and open at 8 a.m. on Wednesday, Nov. 12, and close at 5 p.m. on Wednesday, Nov. 19.

Important Disclaimer: Fortified Roof grants are $10,000 but a Fortified Roof does not cost $10,000

It is a $10,000 grant towards payment for a fortified roof.

Fortified roof costs are based on square feet of property.

Fortified Roof costs can be up to $30,000

To register for the lottery, homeowners must create a profile on the LFHP website by clicking the Login button.

Homeowners who previously created a profile may use the same one for this and future rounds.

After creating and logging into their LFHP profile, homeowners must register during the registration period.

People who register on the last day of the registration period have the same chance of being selected as those who register on the first day, so there is no need to rush to register as soon as the period opens.

There are 1,000 grants available in this round, which is limited to residents of Louisiana’s Coastal Zone

If selected to participate, homeowners will be financially responsible for all costs beyond the full grant amount including evaluation fees for the evaluation process according to prices set by the Evaluator.

Those interested in the program are encouraged to review eligibility information, homeowner responsibilities and other important information at fortifyhomes.la.gov to determine whether they meet program requirements.

Eligibility Requirements & Homeowner Responsibilities:

Only primary residences are eligible to participate in the program.

Homeowners should be prepared to verify they have a homestead exemption on the property during the application process.

Homes must be covered by an active residential insurance policy with wind coverage.

Homes in a Special Flood Hazard Area as designated by FEMA must also have a flood insurance policy.

Homeowners should be prepared to provide proof of all required insurance policies.

Homes must be in good repair as determined by a FORTIFIED Evaluator.

Roof patching or other partial repairs of the roof are not eligible for funding under the program.

To receive grant funding for roof covering replacement as part of a recommended improvement, you must replace the entire, contiguous roof covering.

Homeowners who have an open insurance claim or had a claim for the repair or replacement of the roof must disclose the claim information during the grant process.

Grant funds are paid directly to contractors. Homeowners are financially responsible for all costs beyond the full grant amount. Homeowners are also responsible for paying evaluation fees for the entire evaluation process according to prices set by the Evaluator.

Homeowners applying for a grant should wait to see if they are selected to participate before contacting an Evaluator or Contractor as the process for selecting professionals is managed through the LFHP grant program.

Homeowners who select a Contractor and begin work on the project before receiving approval from the LFHP are not eligible for the program.

Homeowners must ensure that their Contractor understands the procedures and requirements of the Program.

The Homeowner should review their Initial Pre-Site Inspection Report with their selected Contractor.

Homeowners must ensure Contractors receive all applicable building permits from the local building inspector’s office.

The LFHP provides grants of up to $10,000 for homeowners to upgrade their roofs to standards set by the Insurance Institute for Business & Home Safety.

The program helps Louisiana homeowners strengthen their roofs to better withstand hurricane-force winds.

To review the requirements needed for the Louisiana Fortify Homes Program

https://www.fmagencygroup.com/homeowners/fortified-roof/

We help with homeowners insurance, rental property, car and builders risk insurance policies for new home construction.

"Top rated review. Great service. Elisabeth went above and beyond to assist my wife and I. Even with other agents from a...
08/27/2025

"Top rated review. Great service. Elisabeth went above and beyond to assist my wife and I. Even with other agents from another company dragged their feet" -Coach M

Will HB 148 destabilize the home insurance market further?"HB 148 gives the insurance commissioner unilateral authority ...
06/18/2025

Will HB 148 destabilize the home insurance market further?

"HB 148 gives the insurance commissioner unilateral authority to disapprove rate requests and publish proprietary and/or
confidential information for purely political, personal and other subjective reasons.

The bill also allows the commissioner to subjectively determine that premiums an insurer charged years or decades ago were too high and to force that insurer to issue refunds for those premiums"

Tim Temple, Commissioner of Insurance State of Louisiana

05/28/2025

Bills signed by Governor Landry to address the state's insurance crisis House Bill 148: This bill aims to give the insurance commissioner more power to hold down rates, similar to neighboring states Texas, Mississippi, Florida and Alabama House Bill 450: A person who sues over injuries from a car ac...

Bills signed by Governor Landry to address the state's insurance crisisHouse Bill 148: This bill aims to give the insura...
05/28/2025

Bills signed by Governor Landry to address the state's insurance crisis

House Bill 148:

This bill aims to give the insurance commissioner more power to hold down rates, similar to neighboring states Texas, Mississippi, Florida and Alabama

House Bill 450:

A person who sues over injuries from a car accident would be required to show that the injuries were caused by the accident

House Bill 434:

This would prevent drivers without car insurance from collecting bodily injury medical expense awards below $100,000

House Bill 436:

A person who is not in the U.S. legally and is injured in a car accident would be prohibited from collecting general damages and past and future wages

House Bill 431:

Drivers who are responsible for at least 51% of a car accident would be kept from receiving damage awards to cover injuries. This law would go into effect on Jan. 1, 2026

House Bill 549:

A premium discount would be given to policyholders of commercial vehicles with dashboard cameras and telematics systems installed. This law would go into effect on Jan. 1, 2026

Gov. Jeff Landry signed six bills that aim to address the state's insurance crisis Wednesday morning.

"In a land of increasing cost and confusion, FM Agency helped me immensely to understand all of my options and worked wi...
01/14/2025

"In a land of increasing cost and confusion, FM Agency helped me immensely to understand all of my options and worked with the insurance company to help me resolve an issue that could have led to a higher premium. I am grateful for their commitment to working with their clients and keeping their best interests in mind"

Brian S

250 Five Star Google Reviews

"homeowners insurers keep about one cent of profit for every premium dollar they earn" "creative approaches" to roof cov...
01/08/2025

"homeowners insurers keep about one cent of profit for every premium dollar they earn"

"creative approaches" to roof coverage and loss sharing between policyholders and insurers. For example, the roof could have a different deductible than the rest of the structure or homeowner insurers could institute copays for roofs.

Why Homeowners Insurers Are Unprofitable and What to Do About It: Aon January 5, 2025 Facebook Twitter LinkedIn Email Print A new report from insurance broker Aon reveals that the prospective return on equity (ROE) for diversified homeowners insurance carriers decreased by 100 basis points to 5.0% f...

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201 Evans Road Ste 315
New Orleans, LA
70123

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Tuesday 9am - 5pm
Wednesday 9am - 5pm
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