EDISON BLOG

Category: Consumer News

Hiking Safety Tips


Hiking is a wonderful activity offering countless benefits for its participants, and above all else, is free! According to the American Hiking Society, Those who engage in aerobic exercises, such as hiking, enjoy increased cardiorespiratory fitness, improved muscle strength, better sleep quality, lower risk of depression and most importantly, the opportunity to enjoy the beauty of nature. However, there are inherent safety risks for those that hike, so heed the following precautions to have a safe, and fun experience on the trails.

Follow the rules of the trail

In many state and national parks, hiking trails will be marked with signs to brief you on any potential dangers in the area, including wildlife, sharp declines or inclines, and hazardous rock formations to look out for. heed any warnings and follow the rules posted on these signs to ensure your safety on the trails. Also, you should follow the unwritten rules of trail etiquette as a courtesy to fellow hikers on the trial.

Select proper footwear

Your shoes are the single most important piece of equipment to consider when going for a hike. Proper hiking shoes or boots will help you get the most out of your hiking experience because they provide traction to keep you safe while ascending or descending mountains, offer waterproofing to keep your feet dry while crossing rivers or creeks, and provide necessary support to avoid injuries. On the same token, improper footwear can wreak havoc on your hike and cause injuries, blisters, and discomfort.

Listen to your body

When hiking, it is extremely important you pay attention to how your body feels. At the first sign of discomfort, you should stop and address it because when you are out on a trail, there are no medical care providers to help you. If your legs are aching, take a break and rest. If you have a headache, stop for a sip of water and a snack. If you have foot pain, stop and check to see if you have a blister. It is crucial that you address any injuries as early as possible, because this can help stop them in their tracks before they get worse.

Carry a first aid kit

On a hiking trail in the backcountry, a first aid kit can be the difference between a minor cut that can cause a small set back and a serious infection that can derail your entire trip. A first aid kit is your only line of defense against injuries in the wild, so make sure that you have one packed in case you face any medical emergencies, major or minor. A proper first aid kit should include moleskin to treat blisters, bandages for cuts and wounds, antiseptic towelettes and antibiotic ointment, at the very least.

Bring ample food and water

Having adequate food and water is essential for a successful hike. Your body burns more calories than normal when traversing uphill trails, and hiking at an incline can dehydrate the body. To maintain high bodily function, bring more than enough food and water, as well as a way to purify water if you run out. A wrong turn on the hiking trail or a simple injury can extend the length of your trip, and having extra food and water can prove to be a lifesaver. 


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.

Most Dangerous Animals in Florida


 
The state of Florida possesses many different types of ecosystems and a humid, warm climate throughout the year, it is a natural landing spot for a great variety of animals. As summer draws to a close and the weather cools, you will surely spend more time outdoors and it is important to recognize animals which pose a threat to you, and how to protect yourself in the event that you encounter them.

Spiders

Although spiders are tiny in size, they can pose a huge risk to your health if bitten by them. Florida is renowned for two of its most venomous spiders, the Brown Recluse Spider and the more famous Black Widow. The Brown Recluse prefers to hide in dark, covered spaces its bite injects venom which deteriorates human flesh if not treated. The Black Widow has an easily-recognizable red pattern on its back and likewise, has a venomous bite. Thankfully, there is an antivenom available to treat bites from both spiders which can be managed if treated quickly.

Snakes

In Florida, there a few snakes to watch out for when spending time outdoors. Although snakes are not typically aggressive and feed only on small rodents, they are known to bite humans if they feel threatened by accidentally encroaching on their territory. Burmese pythons, coral snakes, and copperheads are all snakes to look out for, but water moccasins are the most dangerous because of their venomous bite and because they live on in fresh water and on land, posing danger to fisherman on the sides of waterways such as canals and rivers.

Alligators

Florida is famous for its alligators, which are known to have the strongest bite of any animal in the world. These massive reptiles live in fresh water and are adept at blending in with their surroundings, making them difficult to spot. If you encounter one, be sure to keep a safe distance and avoid any sudden movements which can be deemed as predatorial by the alligator. Fortunately, alligators typically avoid humans as much as they can when faced by them.

Marine Animals

While many beachgoers are reluctant to enter the waters of our Florida beaches because of the prospect of sharks, there are many other marine animals posing a greater risk to them. Shark encounters are extremely rare for Florida beaches; however, it is more likely you will encounter a jellyfish or Portuguese Man-o-War. Both animals float on the surface of the waters and are transparent, making them hard to spot. These animals have stinging tentacles that can cause severe pain to humans if they are stung, and require immediate medical attention. It is in your best interest to heed the dangerous marine life flags, which notify visitors to stay out of the water because jellyfish or Man-o-Wars are present.

Although Florida does contain some dangerous animals, enjoy all the beautiful outdoor adventures our great state has to offer. If you are able to identify some of these animals and know how to reduce the chance of encountering them, you will have a safer, and more enjoyable time outdoors. 


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.

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. 



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.

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.

Back to School on Insurance: Know Your Coverage


 
As a homeowner, it is important to know and understand your coverage through your specific carrier. Stay clear of assumptions and be sure to ask questions if you have any. Having a reliable Renter’s, Condo Owner’s or Homeowner’s Insurance plan in place will not only give you peace of mind, but will protect your family and belongings as well.
 
Your home is likely the largest financial investment you will make. In the event of a fire, flood or natural disaster, this investment can disappear in a matter of minutes, even seconds. Your insurance policy can cover not only damage, but it can save you from financial ruin.
 
Making sure you have enough coverage is very important. The best way to determine this is to conduct a home inventory. The Insurance Information Institute (I.I.I.) offers a free home inventory tool which lets you create, maintain a photo home inventory, and store it safely in the cloud. To learn more, visit www.knowyourstuff.org. Another important item to consider, is whether your homeowners insurance covers property damage, sustained by the other structures around your home such as a shed, detached carport, gazebo, etc.
 

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 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.

Keeping Your Children Safe in School


 
For about 10 months each year, your children will spend most their time in school. School can be one of the safest places for your child, if you take some time out to put safety measures in place. Consider incorporating these safety tips into your back-to-school routine this year.
 
Discuss safety rules for the bus or walking. Before the first day of school, set some ground rules for your children such as wearing a seatbelt on the bus, always staying on the sidewalk, looking both ways before crossing the road, and following crosswalk signals. Many schools have basic precautions for “walkers” at the end of the day, but be sure your child knows to only leave school when an administrator dismisses them.
 
Avoid labeling backpacks and jackets. Although it comes in handy when you’re looking for your child’s items in a room full of 20 other children, it can be a dangerous thing when strangers call them by their names. If a child is called by his/her name by a stranger, they could assume the person knows them. If you must label the item, write it in the bottom of the backpack or the inside arm of the jacket where it is not easily seen or found.
 
Be sure your child knows his/her contact information. It is important your child knows who will be transporting them to and from school, and always provide them with their emergency contacts. If you are not able to pick up your child from school, they should always know exactly who will be picking them up on your behalf. If someone else arrives, who they are unfamiliar with, it is important to teach them never to leave with anyone you have not advised them of and to speak with their teacher or a school employee immediately.
 
Consider investing in a cell phone. For much younger children, there are many cell phones which can be pre-programmed with phone numbers in the case of an emergency. If your child is in trouble or there is an unforeseen circumstance, they will be able to call you to let you know what is going on and where they are. You should always set ground rules to let them know their cell phone is for emergencies, not leisure.
 
Pay attention! This is the most important thing for your child’s safety. When they come home from school, listen to what they have to say. Keep an eye on their moods, appetites and sleep cycles. Any drastic changes could indicate something is wrong at school. For example: inhaling their dinner could mean they skipped lunch. Having a hard time waking up in the morning when they went to bed on time could indicate they are not sleeping well at night. Instead of assuming they had a long day at school, it may be best to ask questions and have a conversation with your children.
 
By putting these safety measures into practice and being prepared, you can ensure everything goes smoothly this school year. Enjoy! 

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.

Did You Know? Your Pets Need Sun Protection Too!


 
While you’re applying your sun screen and getting ready to have some fun in the sun, remember your pets should be protected too. Not all sunscreen products are safe to use on pets, therefore, you should ask your veterinarian for help finding one suitable for your furry family member. Here are some tips to keep your pets safe this summer:
 
Pets feel what you feel: The damaging effects of the sun’s powerful rays can affect your pet the same way it would for you. Believe it or not, pets also have the risk of skin cancer. If you are applying sunscreen, you should be applying it to your pet as well. If you have a pet who loves to lay in the sun all day, they should be using sunscreen on a regular basis to protect their skin.
 
Take measures to provide shady areas: If your pets spend a lot of time in the backyard, consider a large play pen with a sunscreen cover which will protect them from the harsh sun. If the sun falls where your pet “lives” in the house, move their crate, toys and bedding to a shadier part of the house.
 
Think smart: If the temperatures outside are very high, it is best to keep your pets indoors to protect their skin and even the bottom of their feet. You may not realize it since you wear shoes outside, but the pavement can get too hot for your dog to walk on, especially between the hours of 10am and 2pm. If you need to walk your dog, walk with them on the grass to avoid burns and blisters under their feet.
 
The best way to help your pet this summer is to speak to your veterinarian at their next checkup to find the best methods of summer protection for your pet.


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.