So let's talk a little bit about what causes restrictions.

Restrictions are put into place depending on where the storm develops or exists. The insurance industry has created what we affectionately call "the Box". (see below)

"The Box". Named storms in this area will restrict our ability to obtain and "bind" insurance coverage until the storm dissipates or exits the box.

And depending on where the storm develops - either inside the box, or outside the box and moving in - our ability to bind new business for our clients is restricted. Also, changing existing policies is restricted. Now, these restrictions are lifted once the storm either dissipates or moves outside the box. This should not affect your existing renewal.