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Category: Insurance Fraud

5 Ways to Make Your Home Safer

As a homeowner, you already know the basics. Locking your front doors, looking through the peephole, or asking “Who is it?” before opening the door, and setting the alarm are usually done by instinct. However, there is more we can do to protect our homes in just 5 simple steps:
Examine all doors in your home for potential weaknesses: To prevent intruders from kicking your door in, use a solid wood or steel door, instead of a hollow lightweight door. If you have sliding doors, inspect the locks to make sure they are sturdy. For extra protection, use a rod or metal stick to stop the door from sliding open, even after you have locked it. This method also prevents small children from sliding the door open and injuring themselves.
Use longer, tougher screws: The screws in your deadbolt strike plate (the piece of metal where the deadbolt latch goes into the door's frame) should be at least three inches long to ensure the plate is sturdy and not easily knocked out.
Warning signs: Intruders generally seek the easiest target. If you are using a security company for an alarm system such as ADT, don’t hesitate to hang a sign or stick a decal on your doors and windows. Let everyone know your home security system is armed and ready.
Be creative: If an intruder does manage to enter your home, they will attempt to grab the most valuable items in a short period. Instead of placing your valuables in obvious places like the dresser drawer and bedside table, put them in a hidden safe and instead. You can even use little tricks such as leaving an old, worthless laptop or shiny costume jewelry out where they can see. It is unfortunate if your home is burglarized, but at least you’ll be able to protect most of your belongings.
Practice safety measures when going on vacation: Simple steps such as placing your mail on hold, setting timers on your lights, and parking your vehicle in the garage make it difficult for people to you are planning a trip. 

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.

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.