DJ, flash is cool for large companies that have a huge marketing budget. (I'm talking Pepsi, McDonald's, companies of that size). The rest of us rely on Google. Your site will never rank in Google and the spiders cannot read anything through flash. There are ways to code what you have there in php using css and standard html.
I think you did a good job so far on the design but the copy doesn't sell. It reads like every other site out there. Here we are, we're the best, we're insured blah blah. Unfortunately that doesn't work anymore (if it ever did). People are looking for information first then there needs to be effective calls to action on every page (enter an email to get a free report, click here for a money saving coupon, request a FREE property evaluation, etc)