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	<title>Lambert Agency, Inc.</title>
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		<title>10 Flood Insurance facts you need to know</title>
		<description><![CDATA[TOP TEN FACTS every consumer needs to know about the National Flood Insurance Program (NFIP) 1. Everyone lives in a flood zone. You do not need to live near water to be flooded.  Floods are caused by storms, melting snow, hurricanes, water backup due to inadequate or overloaded drainage systems, as well as broken water [...]]]></description>
		<link>http://lambertagency.com/10-flood-insurance-facts-you-need-to-know/</link>
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		<title>Business Liability -</title>
		<description><![CDATA[Business Liability Insurance: Do You Know What Is and Isn’t Covered? Liability insurance is something most business simply must have. But do you really understand what it does and doesn&#8217;t cover? Whether you&#8217;re looking for your first liability insurance provider, or already have a policy in place, it&#8217;s important to know what&#8217;s protected – and [...]]]></description>
		<link>http://lambertagency.com/business-liability/</link>
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		<title>Insurers tip-toe into coastal markets in Alabama, Mississippi &#124; al.com</title>
		<description><![CDATA[Insurers tip-toe into coastal markets in Alabama, Mississippi &#124; al.com A handful of new insurers have trickled into the coastal markets of Alabama and Mississippi in the last year, offering new options to some homeowners. Coastal American, PURE, American Strategic, Wilshire, Republic and Southern Fidelity aren&#8217;t household names, and may not increase competition enough to [...]]]></description>
		<link>http://lambertagency.com/insurers-tip-toe-into-coastal-markets-in-alabama-mississippi-al-com/</link>
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		<title>If you have to drive in Snow or Ice –</title>
		<description><![CDATA[Driving in Snow and Ice The best advice for driving in bad winter weather is not to drive at all, if you can avoid it. Don&#8217;t go out until the snow plows and sanding trucks have had a chance to do their work, and allow yourself extra time to reach your destination. If you must [...]]]></description>
		<link>http://lambertagency.com/if-you-have-to-drive-in-snow-or-ice/</link>
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		<title>Utilities gives tips to keep pipes from freezing</title>
		<description><![CDATA[http://blog.al.com/breaking/2010/12/utilities_gives_tips_to_keep_p.html HUNTSVILLE, AL &#8211; Huntsville Utilities is warning homeowners to take precautions so pipes don&#8217;t freeze tonight causing expense and inconvenience.  Here are the steps to take, according to a utilities press release: 1. Disconnect and drain outdoor hoses. Detaching the hose allows water to drain from the pipe. Otherwise, a single hard, overnight freeze [...]]]></description>
		<link>http://lambertagency.com/utilities-gives-tips-to-keep-pipes-from-freezing/</link>
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		<title>III – Do I need separate rental car insurance?</title>
		<description><![CDATA[&#160; Properly insuring a rental car can be confusing, frustrating and downright daunting. Unfortunately, many consumers do not even think about car rental insurance until they get to the counter, which can result in costly mistakes—either wasting money by purchasing unnecessary coverage or having dangerous gaps in coverage. Before renting a car, the I.I.I. suggests [...]]]></description>
		<link>http://lambertagency.com/iii-do-i-need-separate-rental-car-insurance/</link>
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		<title>Homeowner Rate History in AL</title>
		<description><![CDATA[State Farm rate history: 2008:&#160; 0.9 percent decrease statewide. 2009:&#160; 19.1 percent increase statewide. 2010:&#160; 8.4 percent increase statewide. Alfa rate history: 2008: No change. 2009: 5.8 percent to 6.5 percent statewide.&#160; 2010: 18 percent statewide. Allstate Indemnity rate history: 2008: 9.9 percent statewide. 2009: No change.&#160; 2010: 9.9 percent statewide. Sources: Press-Register files, Alabama [...]]]></description>
		<link>http://lambertagency.com/homeowner-rate-history-in-al/</link>
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		<title>Home insurance rates on the rise in Alabama &#124; al.com</title>
		<description><![CDATA[Home insurance rates on the rise in Alabama &#124; al.com Alabama&#8217;s biggest home insurers are boosting their rates, citing storm-related losses and a need to increase reserves. Illinois-based State Farm Fire &#38; Casualty Co., the dominant insurer in the state, plans to increase its home insurance premiums by an average of 8.2 percent on Nov. [...]]]></description>
		<link>http://lambertagency.com/home-insurance-rates-on-the-rise-in-alabama-al-com/</link>
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		<title>Homeowners Coverage Knowledge Gap Wide Among Consumers</title>
		<description><![CDATA[Read more: http://www.insurancejournal.com/news/national/2010/08/24/112704.htm#ixzz0xky9kfle Many Americans admit to having a knowledge gap when it comes to what their home insurance actually covers, according to a new survey. Nearly one third (31 percent) of Americans don&#8217;t know how much their most valuable assets &#8212; their homes &#8212; are insured for, and an additional 46 percent don&#8217;t know [...]]]></description>
		<link>http://lambertagency.com/homeowners-coverage-knowledge-gap-wide-among-consumers/</link>
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		<title>Crime Report – Mountain Brook update 5-13-10</title>
		<description><![CDATA[This past week we had 3 home burglaries and 1 UBEV (Unlawful Breaking and Entering a Vehicle).&#160; Set your alarm even if you only leave home for a short period of time. The 1st burglary occurred on Cherokee Road at approximately 2:00 P.M. on 5-10-10.&#160; The back door was kicked in, but nothing was taken.&#160; [...]]]></description>
		<link>http://lambertagency.com/crime-report-mountain-brook-update-5-13-10/</link>
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