EDISON BLOG

Fraud Alert

 
 
During the past several months, Edison Insurance Company has received reports of check scam involving our company.  If you receive a check in the mail along with a request to contact someone by text or phone, it may be fraud!
 
It has been discovered checks bearing the name of Edison Insurance Company have been fraudulently issued to consumers in response to an online employment/advertisement venture.  The scam may also request recipients to cash the check and pay a fee.
 
Should you think you have received a fraudulent check, have been contacted regarding a check in exchange for funds, or may have been a victim of this scam, please contact our Special Investigation Unit at 866-923-2920 or by email at reportfraud@floridapeninsula.com.  You can also report fraud to the State of Florida by clicking here.

Daylight Saving Time Ends November 3rd


 

The clocks will turn back at 2 a.m. on November 3rd, to mark the end of Daylight Saving Time. Other than the extra hour of sleep, here are a few things you should remember about Daylight Saving Time:
 
 
  • It will begin to get dark an hour earlier in the evenings. If you have any outside lights on a timer, do not forget to reprogram them to adjust to the new time.
 
  • Although most of our computers and smartphones will automatically adjust, remember to manually turn back the clocks in your home including those found on stoves, microwaves and other appliances, as most of them won't reset themselves.
 
  • Daylight Saving Time also serves as a great opportunity to test the smoke and carbon monoxide detectors in your home and change their batteries if necessary.
 
  • Standard time will be used through March 8th, 2020, then the clocks will "spring" forward one hour for the start of Daylight Saving Time.
     
 


 As a Florida homeowner, it is important to protect your property should the unexpected occur. Homeowners insurance coverage to fit the needs of your family is available through Edison Insurance Company. Should you have any questions or concerns about your policy, contact your agent, or call us at 866-568-8922. 
 
 

Cooking Safety Tips for Thanksgiving




Thanksgiving is a time to enjoy your family, friends, and a delicious feast. A Thanksgiving meal can be a lot of work for a host, and if proper cooking safety precautions are not taken, your day of thanks could turn into a disaster. The National Fire Protection Association (NFPA) reports Thanksgiving to be the peak day for home cooking fires. In fact, the NFPA reported fire departments in the U.S. responded to over 1,500 home cooking fires on Thanksgiving in 2016.
 

We want your thanksgiving to be fulfilling and safe for you and your guests. As such, please consider the following cooking safety tips:
 
  • Before you begin cooking, test the smoke alarms in your home to be sure they are working properly.
 
  • Never leave a hot stove or oven unattended.
 
 
  • Keep your children and pets away from hot appliances, food, and liquids.
 
  • If you are deep frying your turkey, be sure your fryer is used outdoors and away from your home and flammable materials.
   
 
  • Consume or freeze leftovers within 3 to 4 days of your Thanksgiving meal.
 


From our family to yours, have a wonderful and safe Thanksgiving! For more safety information, click here.
 
 


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.

International Fraud Awareness Week – Fraud Prevention Tips



Fraudulent activity continues to be a growing epidemic throughout our country and the world. In fact, there were over 1.4 million fraud reports in the United States in 2018, as reported by the Federal Trade Commission (FTC). These fraud reports resulted in a loss of roughly 1.48 billion dollars. The FTC also reports the top types of fraud in 2018 were: imposter scams, debt collection, and identity theft.  Florida ranked as one of the top states for fraud reports. With these startling numbers, it is important consumers take precautions to not fall victim to fraud or identity theft. In honor of International Fraud Awareness Week, November 17-23, we would like to provide you with the following fraud prevention tips:
 
 
• Never give out personal information to untrustworthy sources.
 
• Confirm web addresses change from “http” to “https” or “shttp” when you put in any financial or sensitive information into a website.
 
• Be cautious of unsolicited emails and delete them
 
•  Verify the legitimacy of an email, text, or call by contacting the company on the phone or in-person.
 
• Do not wire money, use a reloadable card, or use a gift card as forms of payment to a possibly illegitimate company.
 
• Get a second opinion before you give personal information or money to someone.
 
 
In the event you should fall victim to fraud or identity theft, Edison Insurance company is here to help.  We offer identity theft expense coverage which could be added to your homeowner’s policy at a minimal cost. This coverage pays for expenses incurred as a result of any single identity theft or fraud discovered or learned during the policy period up to a limit of $25,000. To learn more about our identity theft coverage, or to add it to your policy, contact your agent.
 
 
 
 
For more information on fraud and fraud prevention, visit the Federal Trade Commission website.
 
 
 
 
 
 
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.
 
 
 

5 Fire Safety Tips for National Fire Prevention Week



 

Recognized each October, National Fire Prevention Week, October 6 through 11, serves to educate us about the importance of fire safety. Fires can occur anywhere and at any time. In fact, the NFPA reports U.S. fire departments respond to a home fire every 86 seconds.  The theme of this year’s Fire Prevention Week isNot Every Hero Wears a Cape. Plan and Practice Your Escape”. As such, Edison Insurance Company would like to provide the following escape planning tips:


1. Create a home fire escape plan.


2. Each family member should know two ways out of every room.


3. Have a safe place to meet should your family become separated.


4. Practice home fire drills with your family at least two times a year.


 5. Make sure all the smoke alarms in your home are in proper working order and test them often.



We hope you take these tips into consideration to keep you, your family, and home fire safe. For more fire escape planning tips and information on Fire Prevention Week, click here.
 
 
Thank you for visiting our blog. Edison Insurance Company’s top priority is the safety of you and your family. For more information on insurance in Florida, or to get a free homeowners insurance quote, call us at 866-568-8922. 
 
 
 

Animal Liability Coverage from Edison Insurance Company



 

Although our four-legged friends are like members of our family, we sometimes forget they can become dangerous when agitated or scared. According to the Centers for Disease Control and Prevention, roughly 4.5 million Americans are bitten by dogs each year. With the holidays approaching and family and friends entering our homes, now is the time to make sure you can prevent dog bites and make sure you are covered should an incident occur.
 

Tips for Preventing Dog Bites:
 
  • Do not disturb a dog while it is eating, sleeping, or chewing on a toy.
  • If you notice a dog is indicating it is uncomfortable and feeling the need to bite, put a safe distance between you and the dog.
  • Children are the most common victims of dog bites. Do not leave infants or young children unaccompanied with a dog.
  • Practice caution when exposing your dog to new situations.
  • If your dog develops aggressive and frightening behaviors, seek advice from your veterinarian.


Animal Liability Coverage:

According to the Insurance Information Institute (iii), homeowners insurance companies throughout the country paid approximately $675 million in animal liability claims due to dog bites or other dog-related injuries in 2018.  Most standard homeowners policies do not include animal liability coverage. However, Edison Insurance Company offers animal liability coverage at a minimal cost to protect our policyholders from expenses correlated with a dog attack or dog bite. This additional coverage provides a $25,000 liability sub-limit and medical payments of $2,000.  Please note, certain restrictions may apply and will be noted in your insurance policy.  Should you be interested in adding animal liability to your policy, contact your agent.
 
 


 As a Florida homeowner, it is important to protect your property should the unexpected occur. Homeowners insurance coverage to fit the needs of your family is available through Edison Insurance Company. Should you have any questions or concerns about your policy, contact your agent, or call us at 866-568-8922. 
 
 

Tips for a Spooktacular and Safe Halloween




As one of the most anticipated holidays throughout the year, Halloween can turn scary when safety precautions are overlooked. Making safety a top priority will make for a Spooktacular time. We encourage you to keep these tips in mind to ensure a safe Halloween:
 
 
Walking
 
  • Parents and/or responsible adults should always supervise their children while trick-or-treating.
  • Look both ways before crossing the street as drivers may have a difficult time seeing you.
  • Put electronics away to avoid distractions.
  • Always walk on sidewalks or paths. 
 
 
Costumes
 
  • Adhere reflective tape or stickers on bags and costumes to be seen by drivers.
  • Do not let your child wear a mask while walking, as some masks may obstruct their vision.
  • When picking a costume, be sure it is the right size and length to avoid trips and falls.
  • Choose fire-retardant costumes and accessories. 
 
 
Driving
 
  • Be extra alert during peak trick-or-treating times between 5:30 and 9:30 pm.
  • Drive slowly through neighborhoods and be alert for trick-or-treaters crossing the roads.
  • Never drink and drive.
 
 
Candy
 
  • Provide your children with a healthy meal prior to trick-or-treating to avoid them filling up on Halloween candy and treats.
  • Always check Halloween treats before consumption. Although tampering with candy is rare, all treats should be closely examined just in case.
  • Ration treats and candy for the following days and weeks after Halloween.
 
 
Decorations
 
  • Remove potential tripping hazards and decorations away from trick-or-treaters.
  • Light jack-o-lanterns with battery operated candles. 
  • Should you have decorations requiring power, make sure you do not overload extension cords. Check on the cords often to see if they are overheating. 
 
 
We hope you and your family have a Spooktacular Halloween!  For additional tips and information on Halloween safety, visit safekids.org.
 
 
 
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.

Home Buying Tips for National Mortgage Professional Month



 


Purchasing a home can certainly be an overwhelming, emotional, and stressful process. Whether you are a first-time homebuyer or not, it is understandable to not know all the ins and outs of buying a home. However, there are a few things you may want to be aware of to help you through the home-buying process. With the month of September being National Mortgage Professional Month, we would like to provide you with some tips to assist you with buying a home:
 
  • Communicate with your agent about what you are looking for.
  • Get pre-approved for a mortgage before you start house hunting.
  • Remember, you do not need 20% saved for a down payment.
  • Invest as much money as you can now, to assist in paying future mortgage payments.
  • Research the current housing market.
  • Factor in housing expenses such as property taxes and utility bills.
  • Think about what you want for the next several years.
  • Don’t forget about homeowners and flood insurance.
 
Before closing on your new home, your mortgage lender will require you to purchase homeowners insurance. Speak to your agent about obtaining your homeowners insurance through Edison Insurance Company. We offer homeowners and condo owners insurance with policies which can be tailored to meet the specific needs of you and your family. Flood damage is not typically covered under your homeowners policy, and as one of the most likely and costly disasters in the United States, you will want to purchase flood insurance for your new home.  Edison offers flood coverage as a certified endorsement to our qualifying policyholders, eliminating the need for a standalone flood insurance policy. To learn more about obtaining homeowners or flood insurance with Edison, contact your agent, or call us at 866-568-8922.
 
As a Florida homeowner, it is important to protect your property should the unexpected occur. Homeowners insurance coverage to fit the needs of your family is available through Edison Insurance Company. Our top priority is the safety of you and your family. To learn more about us, or to get a personalized quote, call us at (866) 568-8922.

Tips for National Preparedness Month


 

September is National Preparedness Month, reminding the public to be prepared for emergencies and natural disasters. Living in Florida comes with many advantages. However, Florida residents are also at an increased risk of severe weather and hurricanes. We encourage you and your family to take this month to be proactive with all your disaster plans. In honor of National Preparedness Month, Edison Insurance would like to provide you with the following emergency preparedness tips:
   
  • Sign up for your local emergency alerts.
 
  • Create and practice all your emergency plans with your family. Should you need assistance with creating an emergency plan for your family or business, visit floridadisaster.org.
 
  • Take time to review your insurance policies. If you have questions about your coverages, or to make any changes to your policy, contact your agent.
 
 
Remember, September is also the statistical peak of hurricane season. As we have seen over the past few hurricane seasons, it is essential you take time to prepare your family and home well in advance of a storm. For additional information and tips for National Preparedness Month, visit ready.gov.
 
 
Thank you for visiting our blog. Edison Insurance Company’s top priority is the safety of you and your family. For more information on insurance in Florida, or to get a free homeowners insurance quote, call us at 866-568-8922. 
 

Preparations When a Hurricane is Within 36 Hours from Arriving


 


The best way to ensure the safety of your family and home during a hurricane or tropical storm is to prepare for the worst.  As the peak of the Atlantic Hurricane Season approaches, we recommend taking some time to have your preparation plans in place. Here are some step by step tips to consider when a hurricane/storm is within 36 hours from arriving.
 
When a hurricane is 36 hours from arriving, you should:
  • Stay tuned to your television or radio for weather updates and instructions.
  • Restock on hurricane supplies if you have not already.
  • Review your evacuation plan with all the members of your family.
  • Fill your car with gas.
 
 
When a hurricane is 36 to 18 hours from arriving, you should:
  • Bring outdoor items inside or anchor objects down to prevent damage from high winds.
  • Put up shutters or protect your window openings.
 
 
When a hurricane is 18 to 6 hours from arriving, you should:
  • Charge electronic devices such as your laptop and cell phone, so you have a full battery in case you lose power.
  • Check your television or radio regularly for updates.
 
 
When a hurricane is 6 hours from arriving:
  • To have food last longer should the power go out, turn your refrigerator and freezer to the coldest setting and do not open it unless needed.
  • Close your shutters and stay away from windows.
  • Keep a thermometer in the refrigerator to check food temperatures when the power is restored.
 
 
We hope you will not need to use these tips this season. However, it is always important to be as informed and prepared as possible. Should catastrophe strike you can rest assured Edison Insurance Company stands ready to assist our policyholders and agents. Should you have any about your coverages or policy prior to a hurricane approaching, please contact your agent, or call us at 866-568-8922.  For more tips on hurricane preparations, click here.