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Archive: May 2017

Why You Should Get Mover’s Insurance


Moving costs can get pretty expensive. Some people prefer to load the truck themselves, others prefer to leave it in the hands of professionals. When you finally secure a move-out date and you’re calling to schedule the appointment for the movers to arrive, be sure to keep these things in mind when deciding to accept or decline mover’s insurance:

  • Beware of “Mover’s Liability”: This is not insurance. Most moving companies will offer 60-cents on the pound if they are at fault for the damage.  This is standard coverage which movers are required to have, but think about it carefully. If your movers destroy your $2,000 couch which weighs 350 pounds, it means they are only required to pay you $250 in total if you can prove they are at fault.


  • Mover’s Insurance through the moving company: If you are taking this route, be sure the policy benefits you and not just them. They will be required to send you a copy of the policy and any other evidence sufficient enough to prove the insurance was purchased by you.


  • Personal mover’s insurance: Start by choosing the company of your liking. You’ll know exactly what you’re getting and how you will be protected.


  • Claims: If there are any disputes during the moving process, you will have to file a written claim with the mover within a certain time-frame of the delivery date. Provide as much information as you can so the company can fully investigate your claim, such as an accurate description of what happened along with multiple photographs.


  • Listen carefully: Most of the time, when you call to schedule these appointments, the person on the phone will be a fast-talker, due to so much information needing to be relayed. Be sure to ask any questions you may have and make sure they are answered completely before you make your deposit. It also helps to have something sent to you in writing so you can go over it on your own and spot anything you may have missed. Some people are more focused on getting their preferred moving date, and they wind up in a hurry to make a deposit. This is something on which you should really take your time.


  • Take photos of everything: This is the most important task before the movers arrive. Make sure you take timestamped photos of everything the movers will be taking with them on the morning of the move. Once you have these photos, store them in a safe place and if you notice any damage afterwards, you will be able to prove what the condition of the item was before the move.

Getting mover’s insurance will definitely cost you more for your move, but you must remember, the movers are human, just like you. Things may drop, get scratched or dented and you should be prepared for anything to happen. If you are insured, then a drop, bump or scratch won’t give you such a headache. Happy moving.

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.


What You Need to Know About Dry Drowning


As summer approaches, it is important to understand what dry drowning is, how to prevent it, and what the signs are. The term “dry drowning” can be a bit confusing since it can seem impossible to drown on dry land. Dry drowning, or secondary drowning, is a buildup of fluid in the lungs which does not occur during submersion in water. It can occur up to 24 hours after swimming.
Just because your child is out of the water, does not mean he/she is out of the safe zone. Dry drowning can be difficult to identify, but thankfully there are clear warning signs. All you need to do is look out for these red flags:

  • Distressful breathing / Consistent coughing:

Even if they seem fine, any child pulled from the pool because of a near-drowning episode needs medical attention to make sure their lungs are clear, or at least a call to the pediatrician. If your child is old enough, asking them how they are feeling can help you to better evaluate the situation.

  • Extreme/Unusual sleepiness:

It is not unusual for a child to be a little sleepy after a day at the pool or beach, but it is very important to keep a close eye on them.

  • Unusual behavior:

If you notice your child is unusually forgetful or “woozy”, you should make a call to the doctor right away, or seek medical attention, even if it has been hours after swimming. At this point, it is unlikely their symptoms will just disappear.

  • Vomiting:

Vomiting can indicate a lack of oxygen or inflammation. It could also be the result of persistent coughing and gagging as listed above.
If you notice any of these signs, your child’s pediatrician should be able to talk you through it or advise you to bring him/her in for further examination. Treatment includes checking the child’s vital signs, oxygen level and work of breathing (measuring the energy it takes for them to inhale and exhale). In the case your child is not able to breathe on his/her own, which is extremely rare, further support may be needed such as ventilation or intubating. The end goal is to make sure your child is breathing well and to increase blood flow to the lungs.
There are many ways to prevent dry drowning, such as swimming lessons to teach your child how to properly move through the water and hold their breath appropriately. Monitoring your children and making sure they have flotation devices, if necessary, is also a great idea. At young ages, your children need supervision at all times, even if they are excellent swimmers. Anything can happen, and it is always better to be safe than sorry.

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.