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EDISON BLOG

Category: Weather and Natural Disaster Resources

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.

 

2. 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.

 

3. 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


 

Always Have a Plan: Flood Emergency Preparedness


 

Emergencies can strike at any given moment, which is why they’re called emergencies. By having a solid plan, you can ensure the safety of yourself and your entire family, no matter what comes your way. Here are some questions to ask yourself:
 
Do I have an exit strategy?
Preparedness begins with the entire family. Set aside some time to sit down and have a conversation to make sure everyone is on the same page. In the event of a flood, how will everyone get out both quickly and safely? Be sure everyone in the household knows to avoid any water six inches or deeper since this amount is enough to knock a small child over or sweep an adult off his/her feet.
 
Do I have an emergency contact?
Give someone you can trust access to personal information, such as a list of medications for the family, insurance policy numbers, phone numbers, documents, etc. This could be a close friend or family member. You should also designate someone to watch over your children or pets in the event of an emergency. When dealing with the aftermath, you know they are safe and cared for.
 
Do I know my exits?
Everyone should be aware of every possible exit in the home, including doors and windows. Speak to your younger children about the safest ways to exit and how to calmly do so. It is also a good time to let them know breaking a window or cutting a screen is acceptable in an emergency. However, you should show them the safest ways to perform these actions and make sure they can differentiate an emergency vs. non-emergency.
 
Do I know exactly what I have?
Documenting your possessions is the best way to ensure your insurance will be able to cover everything. You should take photos and keep a proper inventory of everything, as well as knowing their worth. This is also something you can keep with your emergency contact, or place in a waterproof safety deposit box which can be retrieved during or after flooding.
 
During a flash flood, water levels can rise drastically, and there will be little time to think. Therefore, it is important to be 100% prepared, no matter what. 


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 home insurance or to get a quote, please call (866) 568-8922.

Is your home at risk for flooding?


 

Flooding is one of the most common natural disasters in the United States and one of Florida’s most frequent hazards. There are several reasons why flooding can occur, such as heavy rainfall, storm surge, or river overflow. Depending on your home’s location, it can be at a higher or lower risk for flooding. However, you do not have to live in a high-risk flood zone to experience costly damages from floods. Every home has some level of risk for flood damage, and per the NFIP, roughly 25% of their flood insurance claims paid in 2015, were for policies located in low-risk areas. Just an inch of flood water can cause thousands of dollars in damage to your home. For these reason, regardless of your home’s risk level, it is imperative to purchase flood insurance.

Edison Insurance Company offers a certified flood enforcement which provides the flood protection policyholders need. Edison offers a broad variety of flood coverage options not currently offered through the NFIP, or with other private carriers. For more information on how to obtain flood coverage with Edison Insurance Company, please speak with your agent.
As a homeowner, it is crucial for you to understand your home’s flood risk to ensure you are properly covered. For more information on flood risks, 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.

Hurricane Matthew Aftermath: Beware of Fraud


 

After natural disasters such as Hurricane Matthew, it is not uncommon for fraudulent schemes to pray on those experiencing a loss. This is why Edison Insurance Company is urging our policyholders to call us first to protect themselves from fraud.

Should you have been affected by Hurricane Matthew, 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 of 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. For more information on Insurance Fraud in Florida, click here
 
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, please give us a call for a home insurance quote at 866-568-8922 or visit our website.

Are We Ready For The Next Big Hurricane?

  As Florida residents, we ask ourselves many questions concerning hurricane season, such as “are we ready for the next big storm?” Ted Curry, director of energy studies at the University of Florida’s Public Utility Research Center, helps policymakers and utility providers decide how to best prepare for severe storms; he also addresses many of our major concerns and questions. While many residents question whether our state and utilities are prepared for hurricane season, Curry responds they are “as ready as they can be”. Since the hurricane season of 2004 and 2005, the state Public Service Commission has established procedures for the utilities to follow in order to be better prepared. Additionally, the utilities meet annually to discuss collaborative efforts and what they can change and/or improve. A major way the utilities have become more prepared is by making the system more resilient; this causes fewer and shorter power outages. Consumers benefit with better an ...
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Severe Weather Awareness Week

This week is “Severe Weather Awareness Week” and it is the perfect time to prepare or review your hazardous weather plans. Most Floridians have learned to be prepared for the June to November hurricane season. However, the recent increase in tornadoes - some of which included hail, have caused considerable damage in the Panhandle and South Florida; and have shown us we must always be on guard and fully prepared to face any potential disaster we may face year-round, including Severe Thunderstorms, Tornadoes, Lightning, and Flood Threats.
 
There are many ways your family can prepare for severe weather, in addition to stocking up on bottled water and non-perishable food items. One of which is to put an evacuation plan in place and ensure all important documents, including copies of your insurance policies and contact numbers for your insurance agents, are protected and accessible to you. 
 
Stay informed when severe weather may be approaching your location by visiting the National Weather Service and entering your city or ZIP code. To access information applicable to your particular county, visit the County Emergency Management websites. You may also contact the Storm Hotline at 1-800-227-8676. As summer approaches and you make family travel plans, check the weather along your route using a Road Trip Planner or Flight Tracker on AccuWeather.com. Enjoy peace of mind knowing you and your family are prepared for anything!