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EDISON BLOG

Category: Weather and Natural Disaster Resources

Items You Should Have in Your Hurricane Supply Kit

Updated: July 1, 2020
 

The 2020 Hurricane Season is upon us, and it is crucial we are prepared for the unexpected. If you have not already, now is the time to stock up on all your hurricane supplies. If you wait until the last minute to purchase supplies when a hurricane is approaching, some essential items may not be available. Here are some items you should have in your hurricane supply kit: 

  

Have at least a two-week supply of non-perishable food and drinks including: 

  • Ready-to-eat canned meats, fruits, and vegetables 

  • Comfort foods 

  • High-energy foods 

  • Water 

  • Vitamins 

  • Ice 

 

First Aid Kit: 

  • Bandages 

  • Wipes 

  • Cold packs (non-refrigerated type) 

  • Over the counter pain relievers 

  • Gloves 

  

 

Tools and Supplies: 

  • Scissors 

  • Manual can opener 

  • Plastic storage containers 

  • Paper cups, plates, and plastic utensils 

  • Battery-operated radio 

  • Flashlight 

  • Tape 

  • Portable chargers 

  • Batteries 

 

We hope this list helps you know what you should be purchasing for your hurricane preparations. Remember, this is just a list of basic items you should have. Don’t forget to include items to best fit the needs of your family including kids, seniors, and pets. For more suggestions on hurricane safety items, visit the Tips and Tools section of our website. Should you have any questions in regards to your homeowners insurance policy during hurricane season, Edison Insurance Company is here to help. Give us a call at 866- 568-8922 for policy assistance.  

5 Tips for Installing Hurricane Shutters from Edison Insurance Company

Updated: June 1, 2020

 

Hurricane season has arrived and now is the time to ensure your home is protected should disaster strike. Preparation plans should be in place, and your hurricane shutters should be purchased and/or in an accessible location, well in advance of a storm. Installing hurricane shutters is an effective way to minimize hurricane damages to your windows, doors, and home. However, do you know how to install them properly and safely if a storm is on the horizon? Here are 5 tips to take into consideration to ensure your hurricane shutter installation goes safely and smoothly: 

  

  1. Be sure to inspect your shutters for damages before installing them. We recommend inspecting shutters well before a storm is on the horizon, as damaged shutters should be repaired or replaced as soon as possible.  

  

  1. Label your shutters to match their corresponding window. Doing so will save you time and aggravation especially when there is a storm quickly approaching.  

  

  1. Wear protective gloves while installing your shutters to avoid being cut by their sharp edges. 

  

  1. Ladders can be quite dangerous, practice caution while using a ladder. When using one, always have someone hold and stabilize your ladder from below. 

  

  1. Never install your shutters during inclement weather, as it greatly increases your risk of injury. 

    

We all hope this Hurricane Season is a quiet one, and there will be no need to install shutters on your home. However, in case you do please keep these tips in mind. Our number one priority at Edison Insurance Company is the safety of you, your family, and your home. We stand ready to assist you should the unexpected occur. Should you have any questions in regards to your insurance policy, give us a call at 866-568-8922, or should you need to file a claim, you may do so online or by calling 888- 683-7971. 

Storm Surge Information and Safety

Updated: June 1, 2020
 
 

 

With the arrival of Hurricane Season, it is important we discuss the dangers of storm surge. Storm surge is one of the largest threats to property and life during a tropical storm or hurricane. Generated by a tropical storm or hurricane, storm surge is a change of water level, over and above its predicted astronomical tide. Due to its change in the water level during a storm, it can cause extremely destructive and devastating damages. As many of us in the state of Florida live in close proximity to the ocean, it can be dangerous if safety precautions are not taken. Evacuation orders due to storm surge should never be taken lightly. As a homeowners insurance carrier in Florida, we would like to provide you with some information about storm surge and some safety tips.  

 

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. 

  • Never walk or drive through floodwaters.  

  • 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 is in your financial and survival interest to know the elevation of your home. If you are a homeowner, your flood insurance certificate should tell you what your elevation is, based on the best available surveys for the area. 

 

 

Flood Insurance: 

Storm surge has the capability of causing devastating flood damages to your home. It is important you have flood insurance in place to protect your home and belongings. As a homeowner, it is important to know what is covered under your policy and what isn’t. Standard homeowners and renter’s insurance policies do not cover flood damage. Flood insurance must be purchased through private carriers, like Edison Insurance Company or through the NFIP. We highly recommend you speak with your agent to obtain flood coverage, or give us a call at 866-568-8922.  

 

 

As Hurricane Season begins, we hope you take this information about storm surge and storm surge safety into consideration. Remember, Edison Insurance Company is always here to assist our policyholders should the unexpected occur. Should you need to file a claim, you may do so online or by calling us at 888-683-7971. 

  

5 Tips for Preparing Your Home for Hurricane Season

Updated: May 1, 2020
 

 

With the official start of Hurricane Season a month away, there is no time like the present to start preparing your home for a hurricane or tropical storm. As we have seen in the past few seasons, it only takes one storm to cause devastation and millions in damages. With the prediction of another active and “above-average” season this year, we would like to provide some simple steps you can take to protect your home for Hurricane Season:

 

  1. Conduct a Home Inspection

Is your home ready for a natural disaster? Consider conducting a home inspection before Hurricane Season approaches to ensure your personal safety, as well as those of your home and belongings. Conducting a home inspection is quite simple, all you need to do is check for damage such as cracks, leaks, and breaks in the interior and exterior of your home. Should areas of your home need repair, fix them as soon as possible to prevent further damage.


 

  1. Hurricane Shutters

If you hear the news of a hurricane or tropical storm is approaching, installing hurricane shutters to your windows can be beneficial. If a window in your home is broken during a hurricane, it can expose the inside of your house to excessive winds and rain, and potentially lift the roof from below. If you do not currently own shutters, now is a good time to get some estimates and purchase them from local vendors and hardware stores. Waiting until the last minute to purchase items such as shutters can be costly or inventory may be very low. If you currently own shutters, be sure to place them in an area in reach and inspect them for damages. Should you need to install your shutters, be sure to do so safely. 

 

  1. Hurricane-Proof Your Roof 

Roofs can be vulnerable to hurricane damage due to heavy rains and wind. Taking a few steps to strengthen your roof before a hurricane is recommended, especially if it is older. Be sure to inspect your roof for cracks and damages and have it fixed as soon as possible to avoid further damages from a storm. 


 

  1. Clear Your Yard

Hurricane winds can be extremely dangerous, and strong enough to pick up objects such as lawn chairs, garbage cans, wood, metal, bicycles, barbeque grills, etc. These winds can send these objects flying into your car and home. Before a hurricane strikes, remove these types of outdoor objects and bring them inside. Should you have trees near your home be sure to trim limbs often and remove any large trees which may show signs of decay or damage. 



 

  1. Review Your Homeowners Insurance Policy: 

Now is also a great time to review and update your homeowners insurance if necessary to be sure you have adequate coverage should the unexpected occur. Remember, flood coverage is not included within your startard homeowners policy, it is important to determine if you need flood insurance prior to Hurricane Season. Luckily Edison Insurance Company offers a certified flood endorsement which allows eligible policyholders to secure flood insurance coverage up to a selected amount, eliminating the need for a standalone flood policy. Should you have any questions about your policy and coverages, please contact your agent or call us at 866-568-8922 for assistance. 


 

It is important to keep in mind, these procedures should be taken well in advance of a hurricane, not a few hours before. Should catastrophe strike, Edison Insurance Company stands ready to assist you. In the event of a loss, you may report your claim online or by calling our claims hotline at 888-683-7971.

What You Need to Know About Preparing for a Flood

Updated: April 1, 2020
 

 

As many Floridians know, floods are a common natural disaster to occur in our state. In fact, they are the most common natural disasters in the United States. With Florida being at an increased risk of experiencing flood damages, it is pivotal you and your family take steps to prepare yourselves and your property for flood events.  

 

5 Tips for Creating Your Flood Evacuation Plan 

Taking steps to create an evacuation plan for you and your family is a must when it comes to a flood event. Keeping your family safe and calm during a disaster should be your top priority. As such, we would like to provide these 5 tips for creating your evacuation plan:  

  1. Sign up to receive local weather alerts to be aware of a flood event could occur in the near future.  

  1. Gather supplies should you need to leave quickly. Be sure to consider each family member’s specific needs such as special foods/drinks or medication.  

  1. Be sure each member of your family is aware of all the exits in your home and where they need to go should you need to evacuate.  

  1. Floodwaters pose severe dangers, so it is important your evacuation plans include multiple ways to evacuate.  

  1. Be sure to review your plan with all members of your family frequently.  

 

Protecting your Belongings and Property  

It is recommended you take steps to secure your possessions and protect your property. Doing so can significantly reduce damages and expenses afterward. Before a possible flood event, elevate, or bring valuables, electronics, rugs, and furniture to a second floor if you can. Store smaller valuables and important documents in a sealed, waterproof container. If time permits, place sandbags around your home to divert moving water.  

 

Planning Ahead: What to Do After A Flood  

Due to the severe danger floodwaters can cause, it is important you also plan ahead for the aftermath of a flood event. Floodwaters can contain dangerous debris, wildlife, and can be contaminated. It is also important to be aware of the risk of electrocution as downed of underground powerlines could electrically charge flood water. Nobody should walk or drive through flooded areas, as just a few inches floodwater could knock you down or have a driver lose control of their vehicle. Be sure you and your family listen to authorities and only return home when it is safe to do so. Remember, once you have safely arrived home, take time to survey your property and take pictures of damages to present to your insurance company should you need to file a claim.  

 

Consider Purchasing Flood Insurance  

One aspect of being prepared is to make sure you are also financially protected. As we have seen in recent years, floods can cause significant damage and costly destruction. Should you fall victim to a flood event, you want to make sure you have insurance coverage to not have to face the financial burden of repairing your home or replacing your belongings. Obtaining flood insurance will keep you afloat and return to normalcy as quickly as possible. Flood protection is not typically covered under your standard homeowners insurance policy, you would need to obtain flood insurance through the NFIP or a private carrier such as Edison Insurance Company. We offer flood coverage to qualifying policyholders eliminating the need for a standalone policy. To learn more about obtaining flood coverage from Edison, speak to your agent or 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.

Are you prepared for the 2019 Hurricane Season?


The 2019 Atlantic Hurricane Season begins on June 1st. Although the predictions for this year’s Hurricane Season are expected to be less active than last year, we know it can only take one storm to create devastating and costly damage. The best way to ensure the safety of your family and home is to prepare. Here are a few preparation tips to consider:
 
Stock up on Supplies: When a hurricane is on the horizon, chaos ensues when trying to purchase provisions and supplies. It is best to gather your supplies well before a hurricane is approaching. Click here for a list of must-have items on your supply list.
 
Have an Evacuation Plan: In the event you and your family need to evacuate your home, it is important you have a plan in place well before it is time to leave. Discussing your plans and assigning responsibilities with your family ahead of time will help keep everyone calm and collected while evacuating. Be sure to bring all necessary supplies including important documents, medications, a supply of cash, and any other items you may need. Remind your family members to stick together and establish a designated meeting spot should anyone become separated. Pets should never be left out of your evacuation plans. Don’t forget to pack food and other supplies for all the pets in your household.
 
Preparing Your Home: There are many steps you can take to prepare your home before a hurricane strikes. Be sure to clear objects from your yard, trim trees and shrubs, declutter your gutters and drains, and have your hurricane shutters in an accessible location. Click here for some safety tips for installing your hurricane shutters.
 
Insurance Coverage:  Now is the best time to read through your policy to be sure you are completely covered should a disaster strike. The last thing you want to worry about is learning you do not have enough coverage when you file a claim. If you have any questions or would like to make changes to your policy, contact your agent, or give us a call at 866-568-8922.
 
In the event a catastrophe strike, Edison Insurance Company is here to assist you. Should you need to file a claim, you may do so online, or by calling 888-683-7971.
 
 
 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.

Brush Fires in Florida – Tips to Protect Your Home


Wildfires and brush fires have been occurring at alarming rates over the past few years in Florida, destroying homes and thousands of acres of land.  Brush fires in the State occur for several reasons, including, controlled burns, arson, lightning, or an accident from a lit cigarette or from a campfire left unattended. We typically see an increased risk during Florida’s drier months (late February through May), although brush fires can occur at any time.  

 
No home is completely fire-proof however, there are steps you can take to limit your damages and protect your property from a brush fire. By preparing your home and property well in advance of a brush fire threat, will keep you and your family safe, as well as saving you money, and aggravation in its aftermath. Here are a few tips:

 

  • Remove dry or dead vegetation from your property.

 

  • Keep a maintained lawn by mowing and watering regularly.

 

  • Remove debris from your gutters, eaves, and roof.

 

  • Keep flammable liquids in a safe and interior location in your home. 

 

  • Use fire-resistant plants when landscaping your property. 

 

 


We hope you consider these tips to prepare your home should a brush fire threaten your community. Preparing your home is important, however, in the event of a brush fire, your number one priority should be the safety of you and your family. Make sure you take steps to create and practice your family emergency and evacuation plan with each member of your family. We also recommend checking your homeowners insurance policy to be sure you have sufficient coverage for your home and belongings. Contact your agent should you have any questions or need to make changes to your policy.
 
 


 
Thank you for visiting the Edison Insurance Company Blog. Keeping your family and home safe and protected is our number one priority. Edison Insurance Company has 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 us, or to receive a personalized home insurance quote, visit our website
 

 

 

National Preparedness Month


September is National Preparedness Month, reminding us all to be prepared for natural disasters and emergencies. Whether you are new to Florida or a lifetime resident, we encourage you to take this opportunity to be proactive with your disaster plans. In honor of National Preparedness Month, here are some important emergency preparedness tips:
 
 

  • Stock up on your hurricane supplies

 

  • Sign up for local and state emergency alerts.

 

 

  • Be sure your homeowners insurance is up to date with the right coverage. Contact your agent should you need to make any changes.

 

  • Install and test the smoke and carbon monoxide detectors in your home.

 
 
You never know when a disaster may strike, but you can certainly plan ahead which will assist you and your family to remain calm during a disaster. Remember, September is also the statistical peak of hurricane season, so take action now.  For more information on National Preparedness Month, visit ready.gov.
 
 
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 main focus while we restore your home. To learn more about Edison Insurance Company, or to get a quote, please give us a call at 866-568-8922 or visit our website.

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