EDISON BLOG

Hiking Safety Tips


Hiking is a wonderful activity offering countless benefits for its participants, and above all else, is free! According to the American Hiking Society, Those who engage in aerobic exercises, such as hiking, enjoy increased cardiorespiratory fitness, improved muscle strength, better sleep quality, lower risk of depression and most importantly, the opportunity to enjoy the beauty of nature. However, there are inherent safety risks for those that hike, so heed the following precautions to have a safe, and fun experience on the trails.

Follow the rules of the trail

In many state and national parks, hiking trails will be marked with signs to brief you on any potential dangers in the area, including wildlife, sharp declines or inclines, and hazardous rock formations to look out for. heed any warnings and follow the rules posted on these signs to ensure your safety on the trails. Also, you should follow the unwritten rules of trail etiquette as a courtesy to fellow hikers on the trial.

Select proper footwear

Your shoes are the single most important piece of equipment to consider when going for a hike. Proper hiking shoes or boots will help you get the most out of your hiking experience because they provide traction to keep you safe while ascending or descending mountains, offer waterproofing to keep your feet dry while crossing rivers or creeks, and provide necessary support to avoid injuries. On the same token, improper footwear can wreak havoc on your hike and cause injuries, blisters, and discomfort.

Listen to your body

When hiking, it is extremely important you pay attention to how your body feels. At the first sign of discomfort, you should stop and address it because when you are out on a trail, there are no medical care providers to help you. If your legs are aching, take a break and rest. If you have a headache, stop for a sip of water and a snack. If you have foot pain, stop and check to see if you have a blister. It is crucial that you address any injuries as early as possible, because this can help stop them in their tracks before they get worse.

Carry a first aid kit

On a hiking trail in the backcountry, a first aid kit can be the difference between a minor cut that can cause a small set back and a serious infection that can derail your entire trip. A first aid kit is your only line of defense against injuries in the wild, so make sure that you have one packed in case you face any medical emergencies, major or minor. A proper first aid kit should include moleskin to treat blisters, bandages for cuts and wounds, antiseptic towelettes and antibiotic ointment, at the very least.

Bring ample food and water

Having adequate food and water is essential for a successful hike. Your body burns more calories than normal when traversing uphill trails, and hiking at an incline can dehydrate the body. To maintain high bodily function, bring more than enough food and water, as well as a way to purify water if you run out. A wrong turn on the hiking trail or a simple injury can extend the length of your trip, and having extra food and water can prove to be a lifesaver. 


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.

Trick-or-Treating Safety Tips

 

 
No matter how young or old, Halloween night is one of the best nights of the year for some people because of a tradition called “trick-or-treating”. This tradition can be very fun, but also dangerous, since some people are out for the tricks instead of the treats. Take a look at these vital trick-or-treating tips before you take your children out this year:
 
Plan a route in advance: Most people walk very long paths for trick-or-treating. To avoid getting lost or taking an unnecessary route, plan in advance so you know exactly where you’re going. It’s best to choose safe neighborhoods such as gated communities (if you know someone who lives there) with security driving around. Some communities even get together to plan and decorate for Halloween, to make it fun and exciting for the kids.
 
Wear comfortable shoes: Heels might be a must-have for a princess costume, but after walking several blocks, you may end up carrying your child back home with a case of sore feet. It is important to dress comfortably so the night can be enjoyed, rather than regretted.  Be sure all shoelaces are double tied to avoid tripping in the dark.
 
Avoid dark clothing: Your children should be dressed either in bright colors, or wear something reflective to avoid being injured. When accompanying your children, carry a flashlight to help light the path, as well as to help you with your headcount (which should be done at least once on every new block). It is very common for children to wander away, or even follow the wrong family because of a costume mix-up. If your child is dressed the same as another child, be sure to call them by their names after they get their candy to make sure you are leading the right child back to you.
 
Check your child’s candy: This is a MUST for all parents or guardians. You should not allow your child to eat their candy unless it has been inspected first. Remember, these treats are coming from dozens of strangers who you may not have ever met before. Throw away any candy which has been opened or not in its original wrapper. Avoid letting your child eat home-made treats such as candy apples or chocolate covered pretzels unless they came from a family member or close friend.
 
We hope you will take these suggestions into consideration to make this Halloween a happy and safe one. Enjoy! 



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.

Most Dangerous Animals in Florida


 
The state of Florida possesses many different types of ecosystems and a humid, warm climate throughout the year, it is a natural landing spot for a great variety of animals. As summer draws to a close and the weather cools, you will surely spend more time outdoors and it is important to recognize animals which pose a threat to you, and how to protect yourself in the event that you encounter them.

Spiders

Although spiders are tiny in size, they can pose a huge risk to your health if bitten by them. Florida is renowned for two of its most venomous spiders, the Brown Recluse Spider and the more famous Black Widow. The Brown Recluse prefers to hide in dark, covered spaces its bite injects venom which deteriorates human flesh if not treated. The Black Widow has an easily-recognizable red pattern on its back and likewise, has a venomous bite. Thankfully, there is an antivenom available to treat bites from both spiders which can be managed if treated quickly.

Snakes

In Florida, there a few snakes to watch out for when spending time outdoors. Although snakes are not typically aggressive and feed only on small rodents, they are known to bite humans if they feel threatened by accidentally encroaching on their territory. Burmese pythons, coral snakes, and copperheads are all snakes to look out for, but water moccasins are the most dangerous because of their venomous bite and because they live on in fresh water and on land, posing danger to fisherman on the sides of waterways such as canals and rivers.

Alligators

Florida is famous for its alligators, which are known to have the strongest bite of any animal in the world. These massive reptiles live in fresh water and are adept at blending in with their surroundings, making them difficult to spot. If you encounter one, be sure to keep a safe distance and avoid any sudden movements which can be deemed as predatorial by the alligator. Fortunately, alligators typically avoid humans as much as they can when faced by them.

Marine Animals

While many beachgoers are reluctant to enter the waters of our Florida beaches because of the prospect of sharks, there are many other marine animals posing a greater risk to them. Shark encounters are extremely rare for Florida beaches; however, it is more likely you will encounter a jellyfish or Portuguese Man-o-War. Both animals float on the surface of the waters and are transparent, making them hard to spot. These animals have stinging tentacles that can cause severe pain to humans if they are stung, and require immediate medical attention. It is in your best interest to heed the dangerous marine life flags, which notify visitors to stay out of the water because jellyfish or Man-o-Wars are present.

Although Florida does contain some dangerous animals, enjoy all the beautiful outdoor adventures our great state has to offer. If you are able to identify some of these animals and know how to reduce the chance of encountering them, you will have a safer, and more enjoyable time outdoors. 


Allow Edison Insurance Company to shine our light on you and your family by insuring your home, condominium, and precious belongings. Should the unexpected occur, you will be our focus while we restore your home. To learn more about Edison Insurance Company, please give us a call for a home insurance quote at 866-568-8922 or visit our website.

Hurricane Irma Aftermath: Beware of Fraud


 
After natural disasters, such as Hurricane Irma, it is not uncommon for fraudulent schemes to pray on those experiencing a loss. Therefore, Edison Insurance Company is urging our policyholders to call us first to protect themselves from fraud.
 
Should you have been affected by Hurricane Irma, please be weary of contractors going door-to-door to solicit repair and cleanup services. These contractors may be out-of-town “storm chasers” who may not have the proper licenses to make the repairs they promise to deliver. There is a high probability Assignment of Benefit (AOB) forms will be offered to policyholders from these contractors soliciting business or making emergency repairs. When an AOB form is signed by a homeowner, they are assigning their rights under their homeowners insurance policy to the vendor, and allowing all payments to be made directly to the vendor for their repairs.  The issue we continue to see throughout the state is AOB fraud, where crooked contractors and lawyers inflate the cost of repairs, charge a fee for handling the claim, and commit insurance fraud. At times, these repairs are not completed and the homeowner must pay out of pocket to finish the repairs, since the contractor has already collected all the money from the insurance company.
 
While we understand the temptation to aid in the recovery process by beginning repairs to your home as soon as possible, please do not sign any forms without speaking with Edison Insurance Company or your agent. Our claims representatives are here to assist you. Please report your claim by calling 888-683-7971.
 
If you suspect fraud, please report it immediately to the Department Financial Services at 877-693-5236. To report suspected fraud on an Edison Insurance policy, call 888-683-7171 (Option 4) or email REPORTFRAUD@EDISONINSURANCE.COM.
 
Allow Edison Insurance Company to shine our light on you and your family by insuring your home, condominium, and precious belongings. Should the unexpected occur, you will be our focus while we restore your home. To learn more about Edison Insurance Company, please give us a call for a home insurance quote at 866-568-8922 or visit our website.

What’s in Your Hurricane Survival Kit?


 
When a hurricane is approaching, it is important for you and your family to be fully equipped and prepared for the worst. Your hurricane survival kit should be able to carry you through a week or two after a storm or any other natural disaster.  There are several companies which sell pre-assembled survival kits, but they may not be personalized to your own family’s needs, especially if there are young children, which is why you may consider assembling one on your own.
 
Here are some ideas for building your own hurricane survival kit:
 
  • Water - at least 1 gallon daily per person for 7 to 10 days. Katrina and Wilma emphasized the importance of having sufficient water on hand. Don't forget to include 7-10 days of water (separately) for your pets.
  • Food - at least 2 meals a day per person for 7 to 10 days
    — non-perishable packaged or canned food / juices
    — jarred baby food
    — snack foods (Peanut butter, breakfast bars, crackers, canned fruit, raisins, chips, etc)
    — non-electric can opener
    — cooking tools / fuel
    — paper plates / plastic utensils / paper cups
  • Blankets, Pillows and seasonal clothing
  • Prescription Medications – at least 3 days’ worth of your necessary and lifesaving medications
  • Toys and family board games
  • Coloring books and crayons
  • First Aid Kit
  • Toiletries
  • Flashlight, batteries, battery-operated candles or push lights (including small night lights for younger children)
  • Battery-operated radio
  • Cash supply
  • Important documents sealed in a waterproof case
  • Pet care items (especially a collar and leash, identification documents, pet carrier and medications)
  • Tool box
 
There are many other items which can be added to this list depending on your family’s requirements. It is important to sit down to discuss this list with your family, since everyone has their individual needs. You may even notice you forgot some things during this conversation, making it a great time to add onto your list.
 
Tip: Take your hurricane survival kit for a test run and camp out in the living room with the entire family, using no electricity. If you make it through the night comfortably, with no setbacks, you’ve successfully created your survival kit. If there were a few bumps in the road, now is the time to adjust your list. 



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.

Quick Steps for Hurricane Prep


Know Your Seasons & Prepare!
 
Floridians should always be on their “A-game” during Hurricane Season. Make sure you have the proper tools to survive in case a hurricane strikes. Even though we have hurricane predictions at the start of the season, we can never be too prepared. Click here for a list of items you should have at the start of hurricane season and how to ready yourself. Don’t forget to make a hurricane food shopping list for you and your family!
 
Make a Solid Evacuation Plan
 
Sit down and have a conversation with your family and be sure the younger household members understand it.
 
Don’t Forget Your Furry Friends
 
Your pets should always be included in your emergency plans. The ASPCA provides stickers which will alert rescue personnel, pets are inside your home. This sticker could potential save your pets’ life, if they are trapped during a disaster. Preparing a travel kit and emergency supplies will make the process much smoother when transporting your pets in the case of an emergency.
 
Listen to Authorities
 
One thing you should never do is ignore updates or instructions from local authorities. Chances are, if they’re telling you to evacuate, it’s for your own safety. If you do evacuate, return home only when officials advise it is safe to do so, and continue to listen for further updates.
 
Inspect Your Home
 
You should always conduct a full inspection of your home before, and after, a hurricane. Taking photos is a sure way to keep track of damage, and even better for filing a claim with your insurance company. 



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.
 

3 Things You Didn’t Know About Hurricanes


Hurricanes, or tropical cyclones, are storm systems characterized by strong winds, heavy rain and a propensity for destruction. During hurricane season, it may seem as though there’s one storm after another. Though storms may both frighten and fascinate us, there’s a lot you may not know about them. Here are 3 things you didn’t know about hurricanes:
 
  1. A hurricane is only a hurricane when it forms over the Atlantic Ocean. If a storm forms over the northwest Pacific Ocean, it's called a typhoon. If it forms in the South Pacific and Indian Oceans, it's called a cyclone.
 
  1. Tropical cyclones began receiving names in 1950 to make it easier for the public to know which particular storm warnings to follow. The World Meteorological Organization creates the list of names to be used for hurricane season, and for the Atlantic season, which runs from June to November. There are six annual lists with 21 names each. After a list has been used, it repeats every seventh year — unless a specific name is retired and replaced with a new one.
 
  1. When a tropical cyclone is so deadly or costly, the future use of its name on another storm is considered inappropriate for reasons of sensitivity, therefore, its name is retired. In 2005, many names were retired, such as Dennis, Katrina, Rita, Stan and Wilma.
 
The next time a hurricane, typhoon or cyclone rolls around, you’ll be able to share these interesting facts with others which they may not have known either. For more fun facts, click here.  



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.

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! 
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