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EDISON BLOG

Category: Weather and Natural Disaster Resources

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.
 

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.

Flood Preparedness

 
Floods are extremely unpredictable and destructive, and can occur in regions which barely ever receive rain. Floods not only destroy property and cut essential services, but they can cause death and injuries, isolate communities, and damage major infrastructure.
 
Flooding can happen anywhere, at any time, and can result from a variety of water sources including rivers and creeks, storm tides, heavy rainfall, and even the pipes from your own home. Apart from the physical damage to your property, experiencing a flood can be a very emotional time for you and your family while you pick up the pieces. Being prepared for the possibility of a flood can reduce both stress and costs.
 
By spending a few hours securing your home and preparing an emergency plan, you can be ready for anything which comes your way. Here are some quick tips to help you prepare for a flood:
 

  • Understand the flood risk in your area
  • Check with your local council about local flood plans or records which detail problem areas
  • If you live in a flood zone, consider alternatives to carpet
  • Prepare an emergency kit
  • Speak to household members and create an emergency plan
  • Keep a list of emergency telephone numbers on display

 
One of the most important things to do in preparation for a flood, is to check your insurance policy to see if you are covered for flood damage. Flood coverage is excluded under most homeowners policies and will require additional coverage. Speak with your agent today, and make sure your home and family are protected. 



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.

Keeping Kids Calm During a Storm


 

As hurricane season approaches, we are all looking for ways to protect our homes and securing proper evacuation plans. For parents, although these plans do include children, you must also remember their emotional health and well-being. If you have small children in your home, it is important to prepare them for hurricane season by discussing and creating a plan they can understand. Here are some tips to get kids ready and keep them calm during a storm:
 
Build a “Storm Kit”:
Let your children create their very own storm kits, which includes some of their favorite things such as stuffed animals, games, blankets, etc. This way, when a storm arrives, they will know exactly where their kits are and what is inside.
 
Be Honest:
If your children ask questions about the severity of the storm, it is best to tell them the truth. Instead of saying “it’s almost over,” when you know this is only the beginning, let them know the storm will be here for a while, but remain optimistic in tone.
 
Keep Calm and Carry On:
Your children’s emotions are a mirror image of yours; the same goes for pets. If you remain calm, so will they. Times like this are when your children will look to you the most.
 
Stay busy:
This is a great time to bring out family fun games such as Monopoly, Charades, and other team activities.
 
Make it fun:
Teach your children this is all a part of nature. Give them something to be interested in, rather than be afraid of. Explain how thunder and lightning work or pretend it is nature’s very own light show. Fun tip: After you see a flash of lightning, count the number of seconds until you hear the thunder again. For every 5 seconds, the storm is one mile away. After you count the number of seconds, just divide by 5 to get the number of miles. This is also a great math lesson!
 
Every child is different. Therefore, every child will have a different reaction to the storm. In cases like this, you will need to use trial and error to establish the perfect routine for when a storm hits. We hope these suggestions will help you along the way. 


 

Hurricane Season 2017: Are You Prepared?


 

The best way to ensure your family’s safety before Hurricane Season arrives is to prepare for the worst. No one wants to think their entire home could be destroyed, but if it ever were, you want to be as prepared as possible. The best time to make a hurricane plan is when there is no hurricane. Here are some ways you can prepare yourself, your home, and your family:
 
Supplies:
When a hurricane strikes, you will not have access to many of the things you will need to survive, or the freedom to go out and buy them. Even before the threat of a hurricane, many people will follow the same thought process and search for common items. It is best to gather your hurricane supplies months before the season arrives. Here is a basic list of things you will need. Apart from this list, you should consider additional items such as toys for your children, or even games the entire family can enjoy to help the time go by.
 
Evacuation Plan:
Your hurricane supplies should be packed in backpacks in case your family is instructed to evacuate. This way, everyone can help carry the load. You should have a satellite radio on hand in case there is no electricity to hear the latest evacuation instructions and to stay updated on the status of the storm. Be sure to have a list of medications, a good supply of cash, and anything else you will need immediately. Having a family discussion ahead of time will help keep everyone calm if this were to ever happen, especially younger children. Remind everyone to stick together, and if separated, find a meeting point and know your emergency contacts.
 
Don’t forget about your four-legged family members. Your pets should always be included in your emergency plans. Be sure to prepare a travel kit and emergency supplies for them, just as you would for yourself and your children.
 
Important Documents:
All documents such as passports, driver’s licenses, citizenship documents, birth/adoption certificates, insurance policies, etc. should be kept in an airtight, waterproof container or storage bin. You should also make a habit of scanning these documents and keeping an electronic version in case they are ever misplaced during the chaos. Along with your documents, you should also keep an updated inventory of personal items, especially the ones which hold the most value.
 
Preparing Your Home:
There are many steps you can take to prepare your home before a hurricane strikes, such as installing shutters, clearing the yard, strengthening your roof, and more.
 
 
Use Your Resources:
The most important thing to know before, during, and after a hurricane is your resources. These websites and numbers should be posted in several areas in your home for easy access. These resources are always available to you, and they could save a life in the case of an emergency.

Insurance Coverage:
Before Hurricane Season arrives this year, be sure to give your agent a call to review your policy make sure you are completely covered if disaster strikes. The last thing you want to worry about is how you will replace your home and valuables if they are destroyed. It’s better to be safe than sorry! 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