EDISON BLOG

Category: Consumer News

How Often Should You Review Your Insurance Policy?


Think you’ve done adequate review of your insurance policy? Well, think again. Reading through your insurance policy and benefits before signing and submitting just isn’t enough. We all go through many life changes each year, which could have a significant impact on your insurance needs. Here are a few changes which could occur which may show you why you may want to take another look at your policy:
 
  • Marriage or divorce
 
  • A child or grandchild who is born or adopted
 
  • Significant changes in your health or spouse’s health
 
  • Purchasing refinancing a home
 
  • Coming into an inheritance
 
  • Family members in need of long-term care or taking on the financial responsibility of an aging parent
 
There are many other changes which could occur in one’s life. In order to be sure you are protected, it may be best to take a few moments to review your policy or speak to your agent so you can obtain the coverage which suits you best.


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.

Choosing a Homeowners Insurance Carrier


 
Purchasing a new home is a major investment, therefore, choosing a dependable homeowners insurance company should be one of the first decisions you make. During your decision-making process, it is important to keep a few things in mind:
 
  • Years in business: Do a little research on the company and find out how many years they have been in business. Some people feel more comfortable than others when it comes to investing in a newer business. Although a newer business isn’t necessarily better than an older one, you may be able to get a better idea of their track record.
 
  • Financial Stability: Financial Stability Ratings® (FSRs) are useful when comparing insurers - the higher the rating, the greater the company's financial stability and capability to fulfill their financial obligations to you - the policyholder. Educating yourself about a company’s financial strength is very important, since this will be the company in which you are placing your trust.
 
  • Customer Satisfaction Ratings: Hearing what previous/current customers have to say about their insurance company can be extremely beneficial. You can see through the customers’ eyes based on their experience and satisfaction with the company. This shouldn’t be the only method you use during your decision-making process, but it should give you a good idea on how the company treats its customers.
 
 
The most important thing is to do your research. Choosing a homeowners insurance carrier based on popularity or what you’ve heard on TV or the radio isn’t the best idea. You deserve the peace of mind which only comes from knowing your biggest investment is protected by a strong, solid carrier. 


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.
 

Winter Gardening Tips


 
You may not think gardening is very important during the winter. By the time this season rolls around, most yards have been cleaned and raked, and shrubs have been pruned. Most people wait around for warmer weather and then start to plan their beautiful garden. The problem is, if you wait until summer, your garden may not turn out the way you imagined.
Beautiful landscapes are the result of long-term planning. Winter makes a great season to plan the overall design of your yard and plan improvements. Here are some tips to help create your beautiful summer garden:
 
  • Check or install an irrigation system: When Spring approaches, you won’t want to worry about repairs or replacements. If you don’t have one, consider having a system installed while contractors are easily available, unlike summer.
 
  • Make a plan: Even if you have to draw it out on paper, it is best to figure out exactly how you want things to look in terms of design. You want it to look like you had a plan, not like you rushed and placed plants in the ground last minute.
 
  • Revitalize the soil: Rich soil is the key to a great garden. Use compost from fallen leaves and grass clippings. This will loosen the soil while adding vital nutrients.
 
  • Treat weeds: When temperatures are over 55 degrees, you should ensure your weeds are removed. The longer you ignore them, the harder they will be to handle.
 
  • Continue to water your lawn and flower beds: Even though they don’t require weekly watering, they still need irrigation in the winter. (Fun fact: this also provides water for small creatures such as birds and squirrels)
 
We hope you will take these suggestions into consideration when planning for Spring. Enjoy.

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.

Blast into the New Year: Fireworks Safety Tips



 
If you live in a state where fireworks are legal for use, it is important to follow the proper safety precautions for your well-being, and for the safety of everyone around you. In preparation for holiday celebrations, here are 10 things to remember.
 
  • Always place fireworks on a hard, level surface.
 
  • Shoot fireworks off in a wide, open area, away from flammable materials.
 
  • Designate a responsible adult to set off fireworks.
 
  • Keep everyone at a minimum of 200 feet away from the fireworks once you are ready to set them off.
 
  • Refrain from placing any part of your body directly over fireworks when lighting the fuse.
 
  • Do not point or throw fireworks at another person.
 
  • Adults should supervise young children around fireworks.
 
  • Avoid re-lighting or picking up fireworks which have failed to ignite.
 
  • Light fireworks one at a time and move away quickly.
 
  • Douse used fireworks with water before discarding.
 
If you are unsure about how to use your fireworks before setting them off, take a moment to do some research and read the instructions carefully to prevent an accident. Another option is to attend a public fireworks display and leave it in the hands of professionals. We hope you will take our suggestions into consideration before lighting your first, or next, set of fireworks. Enjoy and be safe.


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.

Cities Covered in West Florida:
Tampa Homeowners Insurance
Brandon home insurance 
Home insurance in Ft Myers
Port Charlotte home insurance quote

 

Remember, It’s Just a Sale


  
 
Since 2006, there have been a total of 98 injuries and 7 deaths surrounding Black Friday; from trampling, to car accidents, to violence and more. This is where we must ask the question, how much is a sale really worth to you?

In 2011, a 61-year-old Black Friday shopper named Walter Vance collapsed while shopping at Target and went practically unnoticed as shoppers rushed in to snag the store’s deals. Some say shoppers didn’t notice, others say they simply didn’t care due to the 1-day sale. Although shoppers had no legal obligation to help Vance, they did have a moral one.
The same year in Los Angeles, a woman fired pepper spray at shoppers in order to get an advantage over shoppers waiting in line for an X-Box.

This year, we strongly recommend you take into consideration the risk of Black Friday shopping. Remember these things before you head out at midnight:
 
  • It’s just a sale. Getting items at a lower price will not change your life dramatically.
 
  • Don’t make permanent decisions based on temporary situations. If you don’t get what you came for, be a good sport and find something else. There is no point in getting into a fight. You knew it was a gamble when you came out in search of the deal.
 
  • Avoid confrontation as best as you can. If someone isn’t playing fair, avoid getting into a huge argument. Retaliation never really works out in these situations. There will always be people who are willing to do anything in order to get what they want. Those are the people you need to avoid.
 
  • Leave the kids at home. If need be, hire a babysitter or leave your children with someone you trust and they feel comfortable with like grandparents or aunts and uncles. There is no sense in dragging them out hours after their bedtime just because you want to catch a good sale. Black Friday store openings are no place for children as they could end up seriously injured or traumatized due to the events which take place from year to year. Just because you have a child, doesn’t mean people are going to move aside for you or be nicer.
 
If you are planning to go Black Friday sale shopping, remember these tips and apply them as you gear up to stand in line at midnight. Stay safe.


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 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.

Southeast Florida homeowners markets:
Delray Beach home insurance quote
Home insurance West Palm Beach 




 

Perfect Timing: DST Ends on November 6th


 
The clocks will turn back at 2AM on November 6th, 2016, marking the end of Daylight Saving Time. Apart from getting an extra hour of sleep, which we all enjoy, here are some things you’ll need to know and remember:
 
  •  It will begin to get dark an hour earlier in the evenings. If you have small children, be sure to let them have some play time an hour earlier after school, so their time isn’t cut short. You may also want to re-program your outside lights if they are on a timer.
 
  • Standard time will be used through March 12th, then the clocks will “spring” forward one hour to commence Daylight Saving Time.
 
  • Although we are living in the smartphone era, if you have traditional clocks in your home, remember to manually turn them back one hour. This includes your stove and microwave clocks, since most of them won’t reset by themselves. It is very common for people to forget, leaving them an hour behind everyone else.
 
  • Test your smoke and carbon monoxide detectors and change their batteries. Nothing is worse than the beeping sound you hear in the middle of the night, reminding you to replace your batteries. Don’t let it remind you; get ahead of the game.


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.

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.

The 2016 Atlantic Hurricane Season Predictions


 
The 2016 Atlantic hurricane season forecast is calling for a near-average number of storms according to Colorado State University. Philip Klotzbach and William Gray, of the University's Tropical Meteorology Project, have predicted 12 named storms for the season. Of those storms predicted, five may reach hurricane status, and two may become major hurricanes. Major hurricanes are considered to be a category 3 or stronger on the five-step Saffir-Simpson scale. Included in the Colorado State University predictions,  are the chances of a hurricane hitting somewhere in the U.S.  These chances were evaluated at 48%, slightly below the 20th century average of 52%. The 2016 Atlantic Hurricane season lasts from June 1st to November 30th.

As Floridians, we have come to realize the threat of a hurricane or tropical storm is not a matter of if, but when.  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. Should a storm hit the state, you can rest assured Edison Insurance Company has you covered. To report a claim, you may call our 24/7 toll- free claims number at 888-683-7971.
 

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 fit your needs. To learn more about Edison Insurance Company, or to get a personalized quote, call us at (866) 568-8922.