joining us live now is joel lautier, consumer advocate from united policyholders. thanks for being here. >> thank you for having me. >> first, can you tell us who this will impact specific early? >> yeah, i couldn't say who specifically. when you get a rate increase of this magnitude approved by the department of insurance, it plays out differently for every homeowner, perhaps in the state based on the territory they live in, the exposures they have type of house, type of roof. but the thing to really know is that while it's a 20% overall, that could mean a 2 or 3 or 5% increase for some homeowners with state farm, while others could see a 30 or 40 or 50% increase. some times even greater if, um, they have the higher exposure was 30, 40, or 50% increase. >> i mean, that's a huge number. when could people see that increase, show up for their homeowner's insurance? >> yeah, in uh, by law, insurers have to give a 45 day notice of renewal that would state your premium, what the premium will be for the coming year and the limits on your dwelling. so i expect these incre