Hurricane Season 2017: Are You Prepared?

The best way to ensure your family’s safety before Hurricane Season arrives, is to prepare for the worst. No one wants to think their entire home could be destroyed, but if it ever were, you want to be as prepared as possible. The best time to make a hurricane plan is when there is no hurricane. Here are some ways you can prepare yourself, your home, and your family:
When a hurricane strikes, you will not have access to many of the things you will need to survive, or the freedom to go out and buy them. Even before the threat of a hurricane, many people will follow the same thought process and search for common items. It is best to gather your hurricane supplies months before the season arrives. Here is a basic list of things you will need. Apart from this list, you should consider additional items such as toys for your children, or even games the entire family can enjoy to help the time go by.
Evacuation Plan:
Your hurricane supplies should be packed in backpacks in case your family is instructed to evacuate. This way, everyone can help carry the load. You should have a satellite radio on hand in case there is no electricity to hear the latest evacuation instructions, and to stay updated on the status of the storm. Be sure to have a list of medications, a good supply of cash, and anything else you will need immediately. Having a family discussion ahead of time will help keep everyone calm if this were to ever happen, especially younger children. Remind everyone to stick together, and if separated, find a meeting point and know your emergency contacts.
Don’t forget about your four-legged family members. Your pets should always be included in your emergency plans. Be sure to prepare a travel kit and emergency supplies for them, just as you would for yourself and your children.
Important Documents:
All documents such as passports, driver’s licenses, citizenship documents, birth/adoption certificates, insurance policies, etc. should be kept in an air tight, waterproof container or storage bin. You should also make a habit of scanning these documents and keeping an electronic version in case they are ever misplaced during the chaos. Along with your documents, you should also keep an updated inventory of personal items, especially the ones which hold the most value.
Preparing Your Home:
There are many steps you can take to prepare your home before a hurricane strikes, such as installing shutters, clearing the yard, strengthening your roof, and more.
Use Your Resources:
The most important thing to know before, during, and after a hurricane is your resources. These websites and numbers should be posted in several areas in your home for easy access. These resources are always available to you, and they could save a life in the case of an emergency.   
Insurance Coverage:
Before Hurricane Season arrives this year, be sure to give your agent a call to review your policy make sure you are completely covered if disaster strikes. The last thing you want to worry about is how you will replace your home and valuables if they are destroyed. It’s better to be safe than sorry! Edison Insurance Company knows the importance of keeping your family and home safe and protected. We strive to provide efficient, cost-effective, peace-of-mind protection for our policyholders. To learn more about Edison Insurance Company, please contact (866) 568-8922 or get a quote on our website

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Keeping Kids Calm During a Storm

As hurricane season approaches, we are all looking for ways to protect our homes and securing proper evacuation plans. For parents, although these plans do include children, you must also remember their emotional health and well-being. If you have small children in your home, it is important to prepare them for hurricane season by discussing and creating a plan they can understand. Here are some tips to get kids ready and keep them calm during a storm:
Build a “Storm Kit”:
Let your children create their very own storm kits, which includes some of their favorite things such as stuffed animals, games, blankets, etc. This way, when a storm arrives, they will know exactly where their kits are and what is inside.
Be Honest:
If your children ask questions about the severity of the storm, it is best to tell them the truth. Instead of saying “it’s almost over,” when you know this is only the beginning, let them know the storm will be here for a while, but remain optimistic in tone.
Keep Calm and Carry On:
Your children’s emotions are a mirror image of yours; the same goes for pets. If you remain calm, so will they. Times like this are when your children will look to you the most.
Stay busy:
This is a great time to bring out family fun games such as Monopoly, Charades, and other team activities.
Make it fun:
Teach your children this is all a part of nature. Give them something to be interested in, rather than be afraid of. Explain how thunder and lightning work or pretend it is nature’s very own light show. Fun tip: After you see a flash of lightning, count the number of seconds until you hear the thunder again. For every 5 seconds, the storm is one mile away. After you count the number of seconds, just divide by 5 to get the number of miles. This is also a great math lesson!
Every child is different. Therefore, every child will have a different reaction to the storm. In cases like this, you will need to use trial and error to establish the perfect routine for when a storm hits. We hope these suggestions will help you along the way. 

Thank you for visiting our blog. Hopefully, you came away with some great home insurance and safety tips. Edison Insurance Company’s mission is to provide quality coverage at competitive rates while providing exceptional service.  For more information on Florida homeowners or condo insurance, please call (866) 568-8922, or visit our website

Storm Surge Safety

Storm surge is an abnormal rise of water generated by a storm, over and above the predicted astronomical tide. It is a change in the water level, due to the presence of the storm and is the most threatening portion of any hurricane. Storm surges are caused primarily by the strong winds in a hurricane or tropical storm. Evacuation orders due to a storm surge should never be taken lightly. It is best to get out sooner rather than later, as they can rise a day before the storm occurs. Living in close proximity to the ocean can be the most dangerous.

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Storm Surge Preparation Tips:
  • Find out from your local emergency services if you are in a surge-prone area
  • Ensure windows are tightly closed, especially in the basement or lower floors
  • Make note of family/friends who live on higher ground in case you need shelter
  • Always have an evacuation kit ready to go in the case of an emergency
During Storm Surge:
  • If instructed, evacuate immediately and do not delay
  • Avoid driving in flood water
  • Pay attention to storm progression and warnings from local authorities
Know Your Elevation:
If you live near the coast, or are thinking of buying property near the coast, it's very much in your financial and survival interests to know the elevation of your home. If you are a home owner, your flood insurance certificate should tell you what your elevation is, based on the best available USGS surveys for the area.
Flood Insurance:
An easy rule to remember is, flood is damage from the floor, up and wind damage is from the roof, down. It is important to speak to your agent about your coverage and to make sure you have everything you could possibly need.
As a homeowner, it is important to know what is covered under your policy and what isn’t. Standard homeowners and renter’s insurance does not cover flood damage. Flood coverage, however, is available in the form of a separate policy.

Edison Insurance Company’s mission is to provide quality coverage at competitive rates while providing exceptional service.  For more information on Flood Insurance, or to get a quote, please call (866) 568-8922.

National Insurance Awareness Day

Wednesday June 28th, 2017 is National Insurance Awareness Day. This day serves as a friendly reminder to take some time out to review your insurance policies and ask important questions about your coverage. It is extremely important for you to understand what is covered when it comes to your home and belongings.
Edison Insurance Company strives to give you peace of mind, knowing your property is fully protected, by offering customers the highest level of service and fair claims handling. The best way to celebrate National Insurance Awareness Day is to speak to your agent and discuss the various types of insurance which protect you and your family.

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Keeping your family and home safe and protected is Edison Home Insurance Company’s number one priority. We have taken a bright and innovative approach to Florida homeowners insurance with coverage options allowing you to customize a policy to best fit your needs. To learn more about Edison Insurance Company, or to get a personalized quote, call us at (866) 568-8922.

Zika Virus Emphasizes the Importance of Insect Repellent

Zika Virus  is a mosquito-borne RNA (ribonucleic acid) Flavivirus. Flaviviruses are named from the yellow fever virus. The Flavivirus genus includes multiple human viral infections, including Yellow Fever, West Nile, Dengue and tick-borne Encephalitis. The Zika virus was first reported in Brazil in May of 2015.
As of March 28, 2017, there were 1,716 pregnant women with laboratory evidence of possible Zika Virus infection in the U.S. and District of Columbia and there are currently 3,461 in US Territories. These numbers reflect the number of pregnancies which have been reported to the pregnancy surveillance systems. Contracting Zika during pregnancy could cause a serious birth defect called Microcephaly, along with brain defects. There is currently no evidence of past Zika infections affecting future pregnancies.
Here’s what to look out for:
Symptoms: According to the CDC (Centers for Disease Control and Prevention), the most common symptoms of Zika are fever, rash, headache, joint pain, Conjunctivitis, and muscle pain. These symptoms are usually mild and can last for several days to a week.
Diagnosis: Zika virus usually remains in the blood of an infected person for about a week. If you have any of the above symptoms, you should see a doctor right away so they can test a sample of your blood or urine to confirm Zika or any other virus. Your doctor may ask about recent travel or specific symptoms, so make a note of everything you are experiencing. If you are pregnant and think you are experiencing any symptoms, view this checklist, which contains important resources, before you head to the doctor.
Prevention: Always use mosquito repellent when outdoors or on a camping trip, especially if you are in an area with high reports of Zika Virus. Be sure to follow the instructions on the bottle and know the age restrictions. While camping, you could use an additional clip on mosquito repellent on top of your bug spray, use citronella oil or safely burn citronella candles (while you are awake).
Home: Look for standing water surrounding your home and take proper measures to get rid of it. Keep fountains clean and flowing. You can also purchase an outdoor spray treatment for your home and spray a few times each year to prevent mosquitos from coming near. Inspect your home’s window/door screens for holes or spaces, and install/replace screens if necessary.
Clothing: Although mosquitos are out during the day, they are found to be most active at night. It is best to wear long sleeves and long pants at night to avoid being bitten. You should continue to re-apply your bug spray, since it is still possible to be bitten through clothing.
Although the Zika Virus is the main concern right now, remember there are many other viruses you could come into contact with, such as Lyme Disease, West Nile Virus, Malaria and many more. In order to protect yourself, you should always wear mosquito repellent and use these suggested prevention techniques. For more information on this topic, visit www.cdc.gov.

Thank you for visiting our blog. Hopefully, you came away with some great home insurance and safety tips. Edison Insurance Company’s mission is to provide quality coverage at competitive rates while providing exceptional service.  For more information on Florida homeowners insurance or to get a quote, please call (866) 568-8922.

Why You Should Get Mover’s Insurance

Moving costs can get pretty expensive. Some people prefer to load the truck themselves, others prefer to leave it in the hands of professionals. When you finally secure a move-out date and you’re calling to schedule the appointment for the movers to arrive, be sure to keep these things in mind when deciding to accept or decline mover’s insurance:
  • Beware of “Mover’s Liability”: This is not insurance. Most moving companies will offer 60-cents on the pound if they are at fault for the damage.  This is standard coverage which movers are required to have, but think about it carefully. If your movers destroy your $2,000 couch which weighs 350 pounds, it means they are only required to pay you $250 in total if you can prove they are at fault.
  • Mover’s Insurance through the moving company: If you are taking this route, be sure the policy benefits you and not just them. They will be required to send you a copy of the policy and any other evidence sufficient enough to prove the insurance was purchased by you.
  • Personal mover’s insurance: Start by choosing the company of your liking. You’ll know exactly what you’re getting and how you will be protected.
  • Claims: If there are any disputes during the moving process, you will have to file a written claim with the mover within a certain time-frame of the delivery date. Provide as much information as you can so the company can fully investigate your claim, such as an accurate description of what happened along with multiple photographs.
  • Listen carefully: Most of the time, when you call to schedule these appointments, the person on the phone will be a fast-talker, due to so much information needing to be relayed. Be sure to ask any questions you may have and make sure they are answered completely before you make your deposit. It also helps to have something sent to you in writing so you can go over it on your own and spot anything you may have missed. Some people are more focused on getting their preferred moving date, and they wind up in a hurry to make a deposit. This is something on which you should really take your time.
  • Take photos of everything: This is the most important task before the movers arrive. Make sure you take timestamped photos of everything the movers will be taking with them on the morning of the move. Once you have these photos, store them in a safe place and if you notice any damage afterwards, you will be able to prove what the condition of the item was before the move.
Getting mover’s insurance will definitely cost you more for your move, but you must remember, the movers are human, just like you. Things may drop, get scratched or dented and you should be prepared for anything to happen. If you are insured, then a drop, bump or scratch won’t give you such a headache. Happy moving.

Thank you for visiting our blog. Hopefully, you came away with some great home insurance and safety tips. Edison Insurance Company’s mission is to provide quality coverage at competitive rates while providing exceptional service.  For more information on Florida homeowners insurance or to get a quote, please call (866) 568-8922.

Diving into Danger

Fact: Very few people know they can break their neck and/or suffer spinal cord injury from diving into water five feet or less. Many people know they can hit the bottom, and have done so, but most have never suffered injury. (Source: http://www.aquaticisf.org/diving.htm)
Experiencing such a devastating and irreversible injury is something most people think will never happen to them, until it does. "Shallow" water is considered to be anything from 18 inches to four feet. Very few recreational swimmers consider a depth of five feet to be shallow water. If you think about it, five feet is the approximate average height of an adult male and female (5’10 and 5’4, respectively). Now, think about diving head first into this amount of water.
According to the AANS (American Association of Neurological Surgeons), an estimated 11,000 spinal cord injuries occur in the United States each year. Males suffer 81.2 percent of these injuries. Diving is the fourth leading cause of spinal cord injury among males, and the fifth leading cause among females.
Here are some precautions you can take before diving into an unknown body of water:
  1. When entering an unknown body of water, dive feet first to check the depth and avoid injury. You should never dive a body of water without knowing how deep it is. Watch this video by Neurosurgeon, Kimberly Walpert for more information on why this is so important.
  1. When checking the depth of the water, make sure it is deep enough for diving. The distance to the bottom of the water should be double the distance from which you're diving. For example: if the diving board is 4 feet high, the water should be a minimum of 8 feet.
  1. Never dive into a lake or ocean, where sand bars or objects below the surface are not visible.
  1. Never dive into an above-ground pool. They are simply too shallow and not intended for diving.
Please take these suggestions into consideration in order to make this summer as safe and enjoyable as possible. Happy swimming!

Thank you for visiting our blog. Hopefully, you came away with some great home insurance and safety tips. Edison Insurance Company’s mission is to provide quality coverage at competitive rates while providing exceptional service.  For more information on Florida home insurance or to get a quote, please call (866) 568-8922.

Quick Tips for Kids: Pool Safety

May is National Drowning Prevention Month, which is meant to promote water and aquatic safety, drowning prevention and recreational activity safety. As summer approaches, it is important to evaluate your children’s swimming skills and know what steps to take when it comes to water safety.  You should know their strengths, weaknesses, and areas they may need help in when it comes to swimming.
Here are some facts from the CDC (Centers for Disease Control and Prevention) on drowning.
  • From 2005-2014, there were an average of 3,536 fatal unintentional drownings (non-boating related) annually in the United States — about ten deaths per day. An additional 332 people died each year from drowning in boating-related incidents.
  • About one in five people who die from drowning are children 14 and younger. For every child who dies from drowning, another five receive emergency care for nonfatal submersion injuries.
  • More than 50% of drowning victims treated in emergency departments (EDs) require hospitalization or transfer for further care (compared with a hospitalization rate of about 6% for all unintentional injuries). These nonfatal drowning injuries can cause severe brain damage which may result in long-term disabilities such as memory problems, learning disabilities, and permanent loss of basic functioning (e.g., permanent vegetative state).
Here are some things you can do to avoid a tragedy:
  • Supervise children at all times when in or out of the pool. Even if your children are playing around the pool, they still need your undivided attention in case of a slip or fall.
  • Be prepared for an emergency. CPR classes are available year-round. It’s simple, all you need to do is search online for a class near you. Learning basic rescue skills could save your child’s life, or even someone else’s. Although the ambulance is called, it does not necessarily mean it can wait. Many rescues are successful because of someone using CPR until the ambulance arrives.
  • Teach your children how to swim. Of course, they may not be professional swimmers right away, but enrolling them in swimming lessons could be a game-changer. Should they ever find themselves in trouble, they could apply those skills in a calm manner to get themselves out (or at least hang on until help arrives). Basic skills such as treading water and floating are a must, if they are to be trusted in the water without a floatation device or other assistance.
  • Clear toys from the pool after swimming. Smaller children are more likely to follow a ball or toy straight into the pool. Some will even try so hard to reach their toys, they end up falling in unintentionally. If no one is around to help, or witness, there could be a fatal result. It is important to bring all toys inside to avoid temptation.
  • Make it clear to your children: Needing help isn’t embarrassing! Some children may be tempted to remove their floatation devices because the other children in the pool are without it. If your child is very hesitant to wear their life jacket and they know the basics of swimming (as listed above), try an alternative, like a pool noodle, boogie board or floating ring they can hold onto while strengthening their swimming. You will need to keep a very close eye on them, but at least it will encourage them to become stronger, instead of ditching the floating devices completely.
We hope you will keep these safety tips in mind when your children are ready to take their first dip in the pool this summer. For more information, visit https://www.safekids.org/poolsafety.

Thank you for visiting our blog. Hopefully, you came away with some great home insurance and safety tips. Edison Insurance Company’s mission is to provide quality coverage at competitive rates while providing exceptional service.  For more information on Florida homeowners insurance or to get a quote, please call (866) 568-8922.


What You Need to Know About Dry Drowning

As summer approaches, it is important to understand what dry drowning is, how to prevent it, and what the signs are. The term “dry drowning” can be a bit confusing since it can seem impossible to drown on dry land. Dry drowning, or secondary drowning, is a buildup of fluid in the lungs which does not occur during submersion in water. It can occur up to 24 hours after swimming.
Just because your child is out of the water, does not mean he/she is out of the safe zone. Dry drowning can be difficult to identify, but thankfully there are clear warning signs. All you need to do is look out for these red flags:
  • Distressful breathing / Consistent coughing:
Even if they seem fine, any child pulled from the pool because of a near-drowning episode needs medical attention to make sure their lungs are clear, or at least a call to the pediatrician. If your child is old enough, asking them how they are feeling can help you to better evaluate the situation.
  • Extreme/Unusual sleepiness:
It is not unusual for a child to be a little sleepy after a day at the pool or beach, but it is very important to keep a close eye on them.
  • Unusual behavior:
If you notice your child is unusually forgetful or “woozy”, you should make a call to the doctor right away, or seek medical attention, even if it has been hours after swimming. At this point, it is unlikely their symptoms will just disappear.
  • Vomiting:
Vomiting can indicate a lack of oxygen or inflammation. It could also be the result of persistent coughing and gagging as listed above.
If you notice any of these signs, your child’s pediatrician should be able to talk you through it or advise you to bring him/her in for further examination. Treatment includes checking the child’s vital signs, oxygen level and work of breathing (measuring the energy it takes for them to inhale and exhale). In the case your child is not able to breathe on his/her own, which is extremely rare, further support may be needed such as ventilation or intubating. The end goal is to make sure your child is breathing well and to increase blood flow to the lungs.
There are many ways to prevent dry drowning, such as swimming lessons to teach your child how to properly move through the water and hold their breath appropriately. Monitoring your children and making sure they have flotation devices, if necessary, is also a great idea. At young ages, your children need supervision at all times, even if they are excellent swimmers. Anything can happen, and it is always better to be safe than sorry.

Edison Insurance Company’s mission is to provide quality coverage at competitive rates while providing exceptional service.  For more information on Florida home insurance or to get a quote, please call (866) 568-8922.

Cool Ways to Save Energy at Home

Looking for ways to cut down on your electric bill? Sometimes, we don’t even realize how much electricity we are using in our homes. Following these simple energy saving tips is a sure-fire way to ensure you see a difference in the bill next month:
  • Replace your most-used light fixtures with energy saving bulbs.
  • Use timers to ensure lights are turned off during the day.
  • Use light colored lamp shades to reflect more light, reducing the need to turn on more lights.
  • Use motion detector lights for outdoor lighting to save energy.
  • Plug electronics into a power strip and turn the strip off when not in use.
  • Use a laptop instead of a computer; they use less energy than desktops.
  • Unplug battery chargers when fully charged. Most of them continue to draw power even when the device is unplugged.
  • Close the shades on the side of the house which gets the most sunlight. The more sunlight enters your home, the longer the A/C will run.
  • Wash and dry several large loads of laundry at once, so your dryer doesn’t have to re heat all over again for the next use.
  • Keep your freezer full. It uses less energy than an empty one.
  • Repair refrigerator door seals if you feel cold air around the closed door or you see moisture collecting.
Once you get the hang of it, you’ll come to realize how easy it is to cut electric costs. It may even inspire you to do more. It’s all about breaking bad habits and instilling better ones.

Thank you for visiting our blog. Hopefully, you came away with some great home insurance and safety tips. Edison Insurance Company’s mission is to provide quality coverage at competitive rates while providing exceptional service.  For more information, or to get a quote, please call (866) 568-8922.