EDISON BLOG

2017 Solar Eclipse


 
 On Monday, August 21, 2017, North America will be in for quite a treat; an eclipse of the sun. The last time the contiguous U.S. saw a total eclipse was in 1979.
 
What is a solar eclipse?
 
A solar eclipse is when the moon passes between the sun and Earth and blocks all or part of the sun light for up to about three hours, from beginning to end, as viewed from a given location.  For the eclipse on August 21st, the longest period when the moon completely blocks the sun from any given location along the path will be approximately two minutes and 40 seconds. 
 
Who will be able to see it?
 
Everyone in North America will be able to see the solar eclipse in some way.   You can download the viewing map by clicking here.  Florida residents will witness a partial eclipse, depending on where you are located. NASA predicts there will be up to an 80% obscuration starting at approximately 5:20 PM EST and ending 10:15 PM EST.
Portions of South America, Africa, and Europe will also witness, at least, a partial solar eclipse.
 
Where will it start and end?
 
Within the United States, the first to view the effects of the eclipse will be those located in Lincoln City, Oregon at 9:05 a.m. PDT. Over the course of the next few hours, as the Earth rotates, the eclipse will be visible throughout the country until it exits the United States at approximately Charleston, South Carolina at 2:48 p.m. EDT. 
 
How can I view the eclipse safely?
 
It is never a good idea to look directly at the sun, but with the intrigue of a rare solar eclipse, it may become even more tempting to take a gaze up at the sun.  It is important you stay safe and know, looking directly at the sun may cause serious, or permanent, damage to your eye.  Click here for information on how to safely view this solar eclipse.
 
Don’t miss out on this amazing event. To learn more about the 2017 solar eclipse and for a countdown to this rare event, click here!

Back to School on Insurance: Know Your Coverage


 
As a homeowner, it is important to know and understand your coverage through your specific carrier. Stay clear of assumptions and be sure to ask questions if you have any. Having a reliable Renter’s, Condo Owner’s or Homeowner’s Insurance plan in place will not only give you peace of mind, but will protect your family and belongings as well.
 
Your home is likely the largest financial investment you will make. In the event of a fire, flood or natural disaster, this investment can disappear in a matter of minutes, even seconds. Your insurance policy can cover not only damage, but it can save you from financial ruin.
 
Making sure you have enough coverage is very important. The best way to determine this is to conduct a home inventory. The Insurance Information Institute (I.I.I.) offers a free home inventory tool which lets you create, maintain a photo home inventory, and store it safely in the cloud. To learn more, visit www.knowyourstuff.org. Another important item to consider, is whether your homeowners insurance covers property damage, sustained by the other structures around your home such as a shed, detached carport, gazebo, etc.
 

Keeping your family and home safe and protected is Edison Insurance Company’s number one priority. We have taken a bright and innovative approach to FL 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.

Keeping Your Children Safe in School


 
For about 10 months each year, your children will spend most their time in school. School can be one of the safest places for your child, if you take some time out to put safety measures in place. Consider incorporating these safety tips into your back-to-school routine this year.
 
Discuss safety rules for the bus or walking. Before the first day of school, set some ground rules for your children such as wearing a seatbelt on the bus, always staying on the sidewalk, looking both ways before crossing the road, and following crosswalk signals. Many schools have basic precautions for “walkers” at the end of the day, but be sure your child knows to only leave school when an administrator dismisses them.
 
Avoid labeling backpacks and jackets. Although it comes in handy when you’re looking for your child’s items in a room full of 20 other children, it can be a dangerous thing when strangers call them by their names. If a child is called by his/her name by a stranger, they could assume the person knows them. If you must label the item, write it in the bottom of the backpack or the inside arm of the jacket where it is not easily seen or found.
 
Be sure your child knows his/her contact information. It is important your child knows who will be transporting them to and from school, and always provide them with their emergency contacts. If you are not able to pick up your child from school, they should always know exactly who will be picking them up on your behalf. If someone else arrives, who they are unfamiliar with, it is important to teach them never to leave with anyone you have not advised them of and to speak with their teacher or a school employee immediately.
 
Consider investing in a cell phone. For much younger children, there are many cell phones which can be pre-programmed with phone numbers in the case of an emergency. If your child is in trouble or there is an unforeseen circumstance, they will be able to call you to let you know what is going on and where they are. You should always set ground rules to let them know their cell phone is for emergencies, not leisure.
 
Pay attention! This is the most important thing for your child’s safety. When they come home from school, listen to what they have to say. Keep an eye on their moods, appetites and sleep cycles. Any drastic changes could indicate something is wrong at school. For example: inhaling their dinner could mean they skipped lunch. Having a hard time waking up in the morning when they went to bed on time could indicate they are not sleeping well at night. Instead of assuming they had a long day at school, it may be best to ask questions and have a conversation with your children.
 
By putting these safety measures into practice and being prepared, you can ensure everything goes smoothly this school year. Enjoy! 

Flood Preparedness

 
Floods are extremely unpredictable and destructive, and can occur in regions which barely ever receive rain. Floods not only destroy property and cut essential services, but they can cause death and injuries, isolate communities, and damage major infrastructure.
 
Flooding can happen anywhere, at any time, and can result from a variety of water sources including rivers and creeks, storm tides, heavy rainfall, and even the pipes from your own home. Apart from the physical damage to your property, experiencing a flood can be a very emotional time for you and your family while you pick up the pieces. Being prepared for the possibility of a flood can reduce both stress and costs.
 
By spending a few hours securing your home and preparing an emergency plan, you can be ready for anything which comes your way. Here are some quick tips to help you prepare for a flood:
 
  • Understand the flood risk in your area
  • Check with your local council about local flood plans or records which detail problem areas
  • If you live in a flood zone, consider alternatives to carpet
  • Prepare an emergency kit
  • Speak to household members and create an emergency plan
  • Keep a list of emergency telephone numbers on display
 
One of the most important things to do in preparation for a flood, is to check your insurance policy to see if you are covered for flood damage. Flood coverage is excluded under most homeowners policies and will require additional coverage. Speak with your agent today, and make sure your home and family are protected. 



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.

UV Protection Safety Guidelines

According to the Skin Cancer Foundation, about 90 percent of nonmelanoma skin cancers are associated with exposure to ultraviolet (UV) radiation from the sun. Over the past three decades, more people have had skin cancer than all other cancers combined. Avoiding sun damage and preventing major damage to your skin can be easy if you follow these simple safety guidelines:
 
  • The sun is at its strongest between 10AM and 4PM. It is best to seek shade during these times. If you go to the beach, bring an umbrella or tent to protect your skin from burning in the sun.
  • If you are laying out in the sun and your skin starts to burn, seek shade immediately. As tempting as it may be to get a nice tan, it is not worth the potential damage.
  • Because babies younger than 6 months are too young for sunscreen, it is best to keep them out of the sun completely. They should always wear a hat and strollers should be covered with a canopy or breathable blanket.
  • For “wriggly” children, sunscreen in a spray form is quick and easier to use on hard to reach places. Their eagerness to get into the pool isn’t a good excuse to not protect their skin.
  • Use a broad spectrum (UVA/UVB) sunscreen with an SPF of 15 or higher every day. For extended outdoor activity, and especially in children, use a water-resistant, broad spectrum (UVA/UVB) sunscreen with an SPF of 30 or higher.
  • Always follow the directions on the back of the bottle. Sunscreen should be re-applied during the day, not just once in the morning. Most products will need to be re-applied every two hours, immediately after swimming, or excessive sweating.
 
Remember, it is extremely important to think about your long-term health. Protecting your skin now will reduce the risk of skin cancer and premature aging. 


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.

Tips for Walking Your Dog on a Hot Day


As a pet owner, it is extremely difficult to keep your pet indoors for an entire day. As temperatures rise in the summer months, opportunities to let your dog out decrease. You must wonder, “Is it too hot outside to walk my dog?”. Here are some tips for walking your dog on a hot day:
 
Pay attention to your dog: As you get to know your dog, you will learn when something is not right. Signs of exertion include heavy panting, salivating, glassy eyes, fatigue and overall exhaustion overall. If you notice any of these signs, your dog could be at risk for heat stress and you should bring them indoors, as soon as possible for rest and hydration.
 
Protect their skin: Believe it or not, pets need sun protection just like you. There are several sunscreen products available which are safe for pets. Speak to your veterinarian at your dog’s next checkup to find the best method of protection for your pet.
 
Follow the 5 Second Rule: This requires you to lay the back of your hand on the ground for 5 seconds. If you must lift your hand before the 5 second mark, it is too hot to walk your dog. If necessary (and possible), carry your dog to their usual patch of grass to relieve themselves, then head back indoors. For much larger breeds, there are shoes available in pet stores to protect their sensitive paws which can be used for walks on hot days.
 
We hope you will take these suggestions into consideration before walking your dog on extremely hot days. Remember, pets feel what we feel, and it’s our job to protect them. 



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.

 

Did You Know? Your Pets Need Sun Protection Too!


 
While you’re applying your sun screen and getting ready to have some fun in the sun, remember your pets should be protected too. Not all sunscreen products are safe to use on pets, therefore, you should ask your veterinarian for help finding one suitable for your furry family member. Here are some tips to keep your pets safe this summer:
 
Pets feel what you feel: The damaging effects of the sun’s powerful rays can affect your pet the same way it would for you. Believe it or not, pets also have the risk of skin cancer. If you are applying sunscreen, you should be applying it to your pet as well. If you have a pet who loves to lay in the sun all day, they should be using sunscreen on a regular basis to protect their skin.
 
Take measures to provide shady areas: If your pets spend a lot of time in the backyard, consider a large play pen with a sunscreen cover which will protect them from the harsh sun. If the sun falls where your pet “lives” in the house, move their crate, toys and bedding to a shadier part of the house.
 
Think smart: If the temperatures outside are very high, it is best to keep your pets indoors to protect their skin and even the bottom of their feet. You may not realize it since you wear shoes outside, but the pavement can get too hot for your dog to walk on, especially between the hours of 10am and 2pm. If you need to walk your dog, walk with them on the grass to avoid burns and blisters under their feet.
 
The best way to help your pet this summer is to speak to your veterinarian at their next checkup to find the best methods of summer protection for your pet.


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.

Preventing Water Damage from Your Washing Machine


 
Washing machines can do a lot of damage if you aren’t careful. A burst in the water supply lines is the cause of many flooding incidents in the home. Here are some simple ways to avoid water damage resulting from your washing machine:
 
Keep it Leveled: If your washing machine is not on a leveled surface, this can cause it to move around because of the vibrations and movements from within, causing shifting and cracks in the water pipes. This can lead to drops of water on the floor, or even a flood. Make sure your washing machine is on balanced, leveled surface.
 
Run Smaller Loads: By overfilling your washing machine, you are at risk of water overflow. It may be easier to wash a larger load at once, but you could also be doing some damage. By running a smaller load, you can also ensure your washing machine will stay put and not be forced to move around.
 
Replace Your Hoses: You should be replacing your water hoses every 2-3 years to ensure they are not wearing out. Most inexpensive washing machine hoses have a rubber casing, which does not give the maximum protection. For better protection, your hoses should have metal casing, which may prevent a very expensive claim in the future.
 
Read more on common homeowner claims you can easily avoid.


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.
 
 

3 Common Homeowners Claims You Can Easily Avoid


 
Homeowners claims come in all shapes and sizes. Most of them, however, are easily preventable. Here are 3 common homeowners claims you can avoid when it comes to water damage and how:
 
Caulking: Inspect your home’s bathrooms and sinks for chipped or peeled caulking. This can lead to water damage, eventually turning into mold if ignored. Make sure your caulking is applied smoothly and air tight with no signs of openings. Click here for DIY instructions on how to caulk.
 
Water Heaters: Be sure to check the warranty on your home’s water heater and check periodically for any signs of leakage or corrosion. If your water heater is near a carpeted area, it may be difficult to spot. Check the carpet for any signs of dampness or wet smell. Water on the floor is a clear sign it is time to replace or repair your water heater.
 
Metal Cased Washing Machine Hoses: Most inexpensive washing machine hoses have a rubber casing, which does not give the maximum protection. For better protection, your hoses should have a metal casing, and the hose should be replaced every 2-3 years. By conducting routine maintenance, you can prevent a very expensive claim from occurring in the future. Read more on how to prevent water damage from your washing machine.
 

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 FL 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.
Next