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Category: Weather and Natural Disaster Resources

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 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 and more cost effective service during storms.

Another question that arises often is “why don’t we move electric wires underground?” Curry explains moving these lines would significantly increase expenses for consumers, but not so much the reliability of the services. While moving the wires underground protect from damage against wind, the wires become more vulnerable to water damage from flooding and storm surge. Curry warns; moving electric lines underground in Florida may lead to increased cost but decreased reliability. 

Visit our blog for more tips on how to stay #hurricanestrong during this hurricane season. 

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.

Floridians, It’s Time to Get #HurricaneStrong



 
The Atlantic hurricane season begins today, June 1st. Florida has been incredibly lucky in the past ten years, as fewer storms and no major hurricanes have made landfall. This calm has allowed Floridians to become complacent with hurricane readiness and storm preparation plans. However, a single storm can have devastating consequences and cause major disruptions, as was the case of hurricane Wilma in 2005, which resulted in over $29.3 billion in damage and the single largest power outage in Florida’s history when it made landfall, catching residents off-guard and unprepared. Over 97% of affected residents lost electricity and were forced to stand in long lines to obtain basic needs - including water and ice. Our streak of good luck is sure to run out, and when it does, we must be ready to face any weather-related hazards.

Weather service and government agencies are attempting to promote hurricane preparedness and safety awareness via the social media campaign #HurricaneStrong, a new public outreach campaign formed through a collaboration between Federal Alliance for Safe Homes (FLASH)®, FEMA, the National Oceanic and Atmospheric Administration (NOAA), and The Weather Channel. This initiative provides lifesaving information, mitigation information, and risk assessment links used to determine your property’s hurricane vulnerabilities in an effort to minimize the threat to your life and property by providing tips to properly secure your home and keep your family safe and protected.

Taking the appropriate actions before and during a hurricane will increase your chances of survival and minimize devastation to your community:
 
  • Prepare a family evacuation plan. Know your evacuation zone and plan alternate routes to safety in case roads are blocked.
 
  • Be sure your homeowners’ insurance is up to date – with the right coverage – and purchase a flood policy if you are in or near a flood zone. Keep in mind there is a mandatory 30 day waiting period before a new flood insurance policy can become effective.
 
 
  • Strengthen your home. Put away or secure outdoor furniture and loose items. Keep trees and shrubs well-trimmed to minimize damage from broken branches. Have hurricane shutters ready and easily accessible.
 
  • Encourage your neighbors to get hurricane ready and offer assistance to those in need.

Be sure to involve small children in all hurricane and storm preparations, as this can be a scary time for them. At #HurricaneStrong Kids they can learn about storms through an interactive mock-hurricane tracker, participate in a mock Hurricane Drill, and other activities. Stay informed with weather alerts, safety tips, and assistance with locating shelters or recovery centers by downloading the FEMA app on your mobile device. The better prepared we are, the easier it will be to recover from the aftermath once the storm has passed. Keep in mind, it only takes one storm to cause devastating damage!

In the event of an approaching storm, stay up to date with these local and national weather and emergency information resources. Keeping your family and home safe and protected is Edison Insurance Company’s number one priority. We have taken a bright and innovative approach to homeowners insurance with coverage options allowing you to customize a policy to best suit your needs. Click here for a list of coverages provided by Edison Insurance Company.

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!

Hurricane Season Ends November 30th


As November comes to an end, so is the 2015 Atlantic Hurricane Season. Fortunately, all 11 storms bypassed Florida this hurricane season. It has been ten years since a hurricane has directly hit the state.

Time will only tell how the 2016 Atlantic hurricane season will turn out beginning June 1, 2016. This is why it is incredibly important to be prepared. Start your preparations for the 2016 Atlantic Hurricane Season by visiting the tips & tools section of our website.

Although extremely rare, every now and then a storm can form outside the designated Hurricane Season dates. Be sure to stay updated with your local weather and rest assured Edison Insurance Company will have you covered.

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

Dangers of Lightning-Strike Fires

Each year, the state of Florida experiences more lightning strikes per square mile than any other place in North America. With over 10,000 lightning-caused claims, valued at nearly $74 million in losses in 2014, the Insurance Information Institute reports Florida to be the state with the highest number of lightning-related insurance claims in the country.

Lightning caused fires are not a new occurrence. Statistics reported by the Insurance Information Institute show an average of 22,600 lightning-strike fires took place between the years of 2007 to 2011. Nineteen percent of those fires took place in homes, resulting in an average of nine fatalities and over $451 million in property damage a year. 

A lightning-strike fire can set a home in flames in seconds, destroying everything in sight. In 2014, Florida endured 265 building, home, and wildfires caused by lightning. Recently, lightning was the likely culprit of a devastating home fire in Brevard County.

During the summer months, heavy storms and lightning are to be expected and it is important to consider the potential damage they could cause your home. Take steps to protect your family and home from a lightning-caused fire by visiting disastersafety.org

Learn more about lightning- strike fires in Florida by clicking here.


Keeping your family and home safe and protected is Edison Insurance Company’s number one priority. We have taken a bright and innovative approach to homeowners insurance with coverages 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. 

Carbon Monoxide Poisoning Prevention During Power Outages


As we move into the prime months for tropical storms and hurricanes, it is important to consider the potential dangers of power outages caused by these storms.  According to the National Weather Service, carbon monoxide poisoning is one of the leading causes of death in areas affected by power outages after storms. Using alternative sources of power during an outage could cause carbon monoxide to build up in your home, and potentially poison those inside.

Carbon Monoxide is a colorless, odorless gas with the potential to kill or seriously harm without warning. Although hundreds of deaths in the U.S. occur from accidental carbon monoxide poisoning each year, they are preventable. 

 When using a generator as an alternate source of power during an outage, keep the following tips from The Centers for Disease Control and Prevention in mind.
 

  • Never use a generator inside your home or garage. Use your generator outside and at least 20 feet away from your home.

 

  • If you have not done so already, install a battery- operated carbon monoxide detector near sleeping areas in your home.

 

  • Check your detectors every six months to make sure they are working properly.


Common symptoms of carbon monoxide poisoning include dizziness, nausea, headache and confusion. If you believe you may be experiencing carbon monoxide poisoning, seek immediate medical attention and get some fresh air.  



Keeping your family and home safe and protected is Edison Insurance Company’s number one priority. We have taken a bright and innovative approach to homeowners insurance with coverages 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. 

 

Insurance Tips for Preparing for a Hurricane

  

Although we have yet to be hit by a storm this 2015 hurricane season, it is incredibly important for you, and your home to be prepared for the unthinkable. Knowing these insurance tips on how to prepare for a storm before it arrives will not only reduce your risk of harm, it may also accelerate your recovery process. 

  • Review your insurance policy.  Read through your policy to better understand the coverages you have purchased. If you have any concerns or to ensure your policy fits your specific needs, please speak with your agent

  • Complete a household inventory to speed up claims processing after a storm. By using your camera or smartphone, take pictures to document the contents in your home. Send the inventory list to yourself via email making them accessible from another location in the case you are unable to get back into your home.  

  • Store important documents in a safe and dry place. Included in those important documents should be your Edison Insurance policy number and the Edison claims number, 888-683-7971.

  • Prepare your property now. Take some time to consider your home's vulnerability to wind, storm surge, and flood damage. By performing routine home maintenance checks now, you may avoid major repairs later. Be sure to inspect, and remove any hazardous debris with potential to be tossed in the wind causing damage to your property. 

  • Develop an emergency plan well in advance of a storm. It is strongly advised to develop an evacuation plan, as well as stocking up on emergency supplies and non-perishable food. You can find a great pre-hurricane checklist on the "tips and tools" section on our website. 

For more insurance tips for hurricane season, 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 Fl home insurance overage at competitive rates while providing exceptional service.  For more information, or to get a quote, please call (866) 568-8922.


Florida Cities Served by Edison Home Insurance:

Tampa home insurance
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Ft Myers Fl home insurance quote
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Delray Beach Fl home insurance

 

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