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EDISON BLOG

Category: Weather and Natural Disaster Resources

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

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: 

Read More

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.

3 Things You May Not Have Known About Hurricanes

 


As Floridians, we are all aware of the damage and destruction hurricanes can cause. While hurricanes may be scary, they are also surprisingly interesting.  Hurricanes, also known as tropical cyclones, are storms characterized by strong winds, heavy rains, and destruction.  Here are 3 things you may not have known about hurricanes:
 

 

  1. Tropical cyclones can go by many names, depending on the ocean they form in. A hurricane is only a “hurricane” when it is formed over the Atlantic Ocean. If a storm is formed over the Pacific Ocean, it is called a typhoon. If one is formed over the South Pacific or the Indian Ocean, it is called a cyclone.

 

  1. Tropical Cyclones started being named in 1953, by the National Hurricane Center to make it easier for the public to know which storm warnings to follow. 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. In the event all 21 names are used in one Hurricane Season, all additional storms will take names from the Greek alphabet.

 
 

  1. When a hurricane becomes noteworthy for causing much destruction or devastation, the name of the storm is retired. Due to the devastating, destructive and costly nature of last year’s hurricane season, four storms had their names retired; those being: Harvey, Irma, Maria, and Tropical Storm Nate. 

 
Although these facts may be fun, hurricanes are serious storms and should not be taken lightly. Make sure you take proper precautions to keep you, your family, and home safe. Should the catastrophe strike, you can be sure Edison Insurance Company will be ready to assist you.

Edison Insurance Company knows the importance of keeping your family and home safe and protected. We strive to provide efficient, cost-effective, peace-of-mind protection for our policyholders. To learn more about Edison Insurance Company, please contact (866) 568-8922 or get a quote on our website

Why You Need a Flood Preparedness Plan


 

Spring is here, bringing increased chances of rain and increasing a risk of flooding. Floods are unpredictable and cause billions of dollars in damages, more than any other natural disaster. The safety of your family should be your top priority in the event of a flood therefore, it is important you have a flood preparedness plan. Here are a few other additional reasons why you need a flood plan in place:
 
Floods can occur at any time.

 “April showers bring May flowers”, but floods can occur at any time of the year. It can only take one heavy rainstorm to cause serious flooding, resulting in thousands of dollars in damages.
 
Hurricane Season

Hurricanes and Tropical Storms can produce inches of rain and storm surge, which is a leading cause of flooding. As we saw during the 2017 Hurricane Season, flooding was a leading cause of damage resulting in billions of dollars in losses. After Hurricane Harvey’s unprecedented flooding, CoreLogic estimates the total residential (insured and uninsured) flood losses to range between $25 to $37 billion. Hurricane Irma also brought its fair share of flooding damage to Florida and surrounding states, causing $25-$38 billion dollars in residential flood losses, according to CoreLogic.
 
You do not have to live in a flood zone to experience flood damage.

Just because you have not experienced a flood before, does not mean you never will. In fact, roughly 25% of all flood claims are from areas with a moderate to low risk of flooding. Although Florida is nicknamed the “Sunshine State”, we are especially prone to experience flooding.  If you would like to learn more about your home’s flood risk, contact your agent, or use FEMA’s Flood Map Tool.
 

 
Developing your flood preparedness plan

Take measures to protect your family, property, and yourself in the event of a flood by considering these tips:

  • Have a family evacuation plan.
  • Keep an emergency kit full of provisions.
  • Secure your valuables and documents in a waterproof container.
  • Purchase flood insurance.

 
Flood coverage is not included in a standard homeowners insurance policy. Edison Insurance Company offers a certified flood endorsement to qualifying policyholders, eliminating the need for a standalone flood insurance policy. Speak with your agent to make sure your home and possessions are covered in the event of a flood.
 
For more flood preparedness tips, click here.
 
 
The safety of you and your family is Edison Insurance Company’s top priority. Our mission is to provide quality coverage at competitive rates while providing exceptional service. For more information on homeowners insurance in Florida, or to get a quote, call us at 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.

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. 


 

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.