EDISON BLOG

Category: Home Safety

Items You Should Have in Your Hurricane Supply Kit


 
September is known to be the statistical peak of hurricane season. As we saw with the devastating 2017 Atlantic Hurricane Season, it is crucial to be prepared for the unexpected. If you have not already, now is the time to stock up on all your hurricane supplies. If you wait until the last minute to purchase supplies when a hurricane is approaching, some essential items may not be available. Here are some items you should have in your hurricane supply kit:
 
  • Have at least a two-week supply of non-perishable food and drinks including:
    • Ready-to-eat canned meats, fruits, and vegetables
    • Comfort foods
    • High-energy foods
    • Water
    • Vitamins
    • Ice
 
  • First Aid Kit:
    • Bandages
    • Wipes
    • Cold packs (non-refrigerated type)
    • Aspirin
    • Gloves
 
  • Tools and Supplies:
    • Scissors
    • Manual can opener
    • Plastic storage containers
    • Paper cups, plates, and plastic utensils
    • Battery-operated radio
    • Flashlight
    • Tape
    • Batteries
 
 
We hope this list helps you know what you should be purchasing for your hurricane preparations.  Remember, water is the most important item for you to buy.  For more suggestions on hurricane safety items, visit the Tips and Tools section of our website. 


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.

Preparing Your Home for the 2018 Hurricane Season


June 1st is the official start of hurricane season. As we all witnessed last year’s devastating hurricane season, it only takes one storm to cause millions of dollars in damages and destruction. With the prediction of an “above average” hurricane season this year, it is pivotal to prepare your home well before a hurricane or tropical storm arrives. Here are some simple steps you can take to protect your home:
 
Home Inspection: Is your home ready for a natural disaster? Consider having your home inspected each year before Hurricane Season approaches to ensure your personal safety, as well as those of your home and belongings.
 
Shutters: If you hear the unfortunate news of hurricane approaching, installing hurricane shutters to your windows can be beneficial. If a window in your home is broken during a hurricane, it can expose the inside of your house to excessive winds and rain, and potentially lift the roof from below.
 
Make Your Roof Hurricane-Proof: If your home has an older roof, you should consider taking proper measures to strengthen it, making sure it can withstand heavy winds and rain. Click here for some tips on preventing hurricane damage to your roof.
 
Clear the Yard: Hurricane winds can be extremely dangerous, and strong enough to pick up objects such as lawn chairs, garbage cans, wood, metal, bicycles, barbeque grills, etc. These winds can send these objects flying into your car and home. Before a hurricane strikes, remove these types of outdoor objects and bring them inside.
 
It is important to keep in mind, these procedures should be taken well in advance of a hurricane, not a few hours before. Should catastrophe strike, Edison Insurance Company stands ready to assist you. In the event of a loss, you may report your claim by calling 888-683-7971.
 
 
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.

5 Ways to Keep Your Home Safe While on Summer Vacation


Many families take advantage of the summer months while school is out to take their vacations. Aside from packing your bags and setting up your trip itinerary, you should also consider protecting your home and belongings while you are away. Consider these five tips before departing on vacation:
 
  1. Lock up: Before you depart, take a few moments to set your home security systems and double check all the doors and windows are closed and locked.
 
  1. Trust in a friend or neighbor:  Nothing says, “we are on vacation” more than mail piling up in your mailbox and on your front door. Have a trusted neighbor or friend nearby keep an eye on your home, and collect your mail while you are away.  Should you be gone for an extended period of time, you may want to contact the post office and stop your mail from being delivered until you have returned.
 
  1. Make your home look occupied: Making your home appear is one of the most effective ways to deter a burglar. Set lights on a timer both inside and outside to make it appear like someone is home. Mow the lawn right before you leave so it doesn’t grow too tall, as uncut grass will attract unwanted attention.
 
 
  1. Protect your valuables:  Reduce the chances of a theft by keeping your valuables in a safe location. Whether you choose to keep items in a lockbox, drawer, or safe be sure they are somewhere you can remember and track your home inventory.
 
  1. Avoid posting on social media: By posting vacation photos on social media, you are telling many you are out of town. Although it is tempting to post your vacation photos right away, it is recommended to wait until you have returned to protect your home and valuables.
 
 
Enjoy your well-deserved vacation, and in case the unfortunate occurs, you can rest assured Edison Insurance Company has you covered.
 
 
 Thank you for visiting our blog. The safety of you and your family is Edison Insurance Company’s top priority. For more information on homeowners insurance in Florida, or to get a quote, call us at 866-568-8922. 

3 Common Misconceptions about Flood Insurance

 
 
Floods can occur anytime and anywhere. In fact, they are the number one disaster in the United States. One of the most important things you can do to protect your possessions and assets is to purchase flood insurance.  Here are three common flood insurance misconceptions, and the truths you should know:
 
Misconception: Homeowners Insurance covers flood damage.
Truth:  A standard home, condo, or renter’s insurance policy does not cover flood damage. To be protected in the event of a flood, you must purchase flood insurance.  Homeowners Insurance may cover water damage, such as a hole in your roof or pipe leak, but will not cover flood-inducing risks such as storm surge or torrential rainfall. You would need to purchase flood insurance to protect your home from flood losses.
 
 Misconception: You must live in a high-risk flood plain to purchase flood insurance.
Truth: Every home, especially in Florida, is at some level of risk of flooding. Everyone should obtain flood insurance, regardless of their home’s level of risk. It only takes one inch of flood water to produce thousands of dollars in damages. According to FEMA, roughly 25% of all flood claims come from moderate to low risk areas.
 
Misconception: Flood insurance can only be purchased through the NFIP.
Truth: Flood Insurance can also be purchased through private carriers, like Edison Insurance Company.  Edison offers our policyholders flood coverage which is currently not offered through the NFIP, though a certified flood endorsement. Our flood endorsement is designed to cover your personal possessions to your selected coverage amount, and eliminates the need for a standalone flood insurance policy.  For more information, or to see if you are eligible for flood insurance with Edison Insurance Company, speak to your agent today.
 
 
 
The safety of you and your family is Edison Insurance Company’s top priority. Our mission is to provide quality coverage at competitive rates while providing exceptional service. For more information on homeowners insurance in Florida, or to get a quote, call us at 866-568-8922. 

Why You Need a Flood Preparedness Plan


 
Spring is here, bringing increased chances of rain and increasing a risk of flooding. Floods are unpredictable and cause billions of dollars in damages, more than any other natural disaster. The safety of your family should be your top priority in the event of a flood therefore, it is important you have a flood preparedness plan. Here are a few other additional reasons why you need a flood plan in place:
 
Floods can occur at any time.

 “April showers bring May flowers”, but floods can occur at any time of the year. It can only take one heavy rainstorm to cause serious flooding, resulting in thousands of dollars in damages.
 
Hurricane Season

Hurricanes and Tropical Storms can produce inches of rain and storm surge, which is a leading cause of flooding. As we saw during the 2017 Hurricane Season, flooding was a leading cause of damage resulting in billions of dollars in losses. After Hurricane Harvey’s unprecedented flooding, CoreLogic estimates the total residential (insured and uninsured) flood losses to range between $25 to $37 billion. Hurricane Irma also brought its fair share of flooding damage to Florida and surrounding states, causing $25-$38 billion dollars in residential flood losses, according to CoreLogic.
 
You do not have to live in a flood zone to experience flood damage.

Just because you have not experienced a flood before, does not mean you never will. In fact, roughly 25% of all flood claims are from areas with a moderate to low risk of flooding. Although Florida is nicknamed the “Sunshine State”, we are especially prone to experience flooding.  If you would like to learn more about your home’s flood risk, contact your agent, or use FEMA’s Flood Map Tool.
 

 
Developing your flood preparedness plan

Take measures to protect your family, property, and yourself in the event of a flood by considering these tips:
  • Have a family evacuation plan.
  • Keep an emergency kit full of provisions.
  • Secure your valuables and documents in a waterproof container.
  • Purchase flood insurance.
 
Flood coverage is not included in a standard homeowners insurance policy. Edison Insurance Company offers a certified flood endorsement to qualifying policyholders, eliminating the need for a standalone flood insurance policy. Speak with your agent to make sure your home and possessions are covered in the event of a flood.
 
For more flood preparedness tips, click here.
 
 
The safety of you and your family is Edison Insurance Company’s top priority. Our mission is to provide quality coverage at competitive rates while providing exceptional service. For more information on homeowners insurance in Florida, or to get a quote, call us at 866-568-8922. 
 

What about my Personal Belongings?



The items we accumulate over time are very important to us. Personal belongings such as furniture, jewelry, sports equipment, clothing, etc. may be covered if stolen or destroyed in a disaster. The coverage extends to the limit you have selected on your policy under Coverage C. Typically, additional limits exist on specialty items such as jewelry, furs, and artwork, therefore, it is beneficial to keep a home inventory, photos of your items, and receipts in case you should ever need to file a claim.
 
Creating a home inventory is one of the most important lists you can prepare as a responsible homeowner. Start your home’s inventory by creating a list of your belongings and their estimated value, and noting the make and model number of your high-priced items. Be sure to update your inventory annually to add new items you may have received throughout the year.
 
 
Limits are typically set at the time a policy is purchased and based on the replacement cost of the home. Edison Insurance Company also offers premium packages should you require increased limits for your belongings. To add coverage, contact your agent.
 
 
 
Edison Insurance Company has 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 us, or to get a personalized quote, call us at (866) 568-8922.

Daylight Saving Time Begins on March 11th



 

At 2:00 a.m. on March 11th, 2018, the clocks will spring forward 1 hour to mark the beginning of Daylight Saving Time. Although it may not seem like much, losing the extra hour of sleep can alter your routine and sleeping patterns. Consider these simple tips to “spring forward” easily into daylight saving time this year:
 
  • Go to bed a little earlier than usual to adjust to the time difference.
 
  • Do not forget to set your alarms, as your body’s clock may be a little off.
 
  • Eat meals at your normal scheduled time to help your body adjust to the time change quicker.
 
  • Cut your caffeine intake in the afternoon and at night to fall asleep earlier.
 
  • Stay alert on the roads, as many drivers will be adjusting to the time change as well. Sleep deprivation can lead to an increase in traffic accidents.
 
Use the extra daylight to perform occasional tasks such as changing the batteries in your smoke and carbon monoxide detectors around the house.



Edison Insurance Company has 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 us, or to get a personalized quote, please call (866) 568-8922.
 

What is a Covered Loss?



 

Your homeowners insurance policy consists of coverages which may help in repairing or replacing your home and belongings should they be damaged by certain perils, such as a windstorm, fire, or theft. Each insurance policy is different, and it is imperative you understand what your policy covers in the event of a loss.
 
The easiest way to determine the difference between a covered loss and a maintenance related issue is to remember the general principles which govern an auto insurance policy. Auto carriers provide coverage in the in event of an unexpected or accidental event, not the general wear and tear associated with daily use such as; tires, brakes, and oil changes. For instances, should a pipe in your home leak for months, resulting in major water damage, the loss will not be considered a covered loss, as it was not accidental or unexpected.
 
In many cases, taking measures to prevent further damage can save you time, effort, and money. Take some time to inspect your home and make repairs to effectively prevent further damage. Should you wish not to partake in routine maintenance yourself, several companies offer maintenance repair contracts for your home and appliances.
 
Remember, your homeowners insurance carrier may deny a claim if damages were caused by lack of maintenance or wear and tear. Therefore, it is crucial for you to report damage to your property the moment it presents itself and to not wait until the problem becomes worse. Should a claim arise, report it to Edison Insurance Company immediately by calling 888-683-7971.
 
 
 
The safety of you and your family is Edison Insurance Company’s top priority. Our mission is to provide quality coverage at competitive rates while providing exceptional service. For more information on homeowners insurance in Florida, or to get a quote, call us at 866-568-8922. 

Understanding Your Home’s Worth


 
Have you ever wondered what your home is worth? Nearly all homeowners know what they paid for their home, but this does not always translate to the amount it will cost to rebuild the home.  The cost to rebuild is the true value of your home and will guide you when obtaining the proper coverage for your home.
 

What is the difference between Market Value and Replacement Costs?

Estimating the market value of your home is necessary for financing, investment purposes, and sales listing.  Many homeowners keep track of changes in the market value of their home whether they are selling or staying. Often times, homeowners will hire a professional appraiser, or do their own research online.

There are several benefits to knowing the value of your home such as, when you are considering refinancing, making home improvements, renting, or selling your home.
 

Understanding the cost of rebuilding your home is completely different.  The market value of a home is dictated by completely different variables than the ones dictating the cost to rebuild your home.  These factors also influence your homeowners insurance coverage and premium.


Replacement costs are based on the material and labor costs associated with rebuilding or replacing your property. When insuring your home, your dwelling coverage should equal the cost of replacing your home in the event of a total loss, at today’s labor and construction prices. Speak with your Edison Insurance agent if you have questions about your insurance limits. Remember, when making coverage decisions, you should consider selecting coverages which will provide you enough protection to rebuild your home at today's cost. 
 


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, click here.

 

Super Bowl Sunday Grilling Safety




Super Bowl 52 will be held on Sunday, February 4, 2018. Behind Thanksgiving Day, Super Bowl Sunday is the largest food consumption event in the United States, and nearly 45 million Americans host Super Bowl parties each year. If you are grilling some delicious food for your Super Bowl guests, you may want to consider these safety tips:
 
  • Examine your grill before cooking. Check your hoses for cracks and holes, and look for blockages caused by food or insects.
 
  • Grilling should always be done outdoors. Grilling indoors can significantly increase the chances of a fire and smoke inhalation.
 
 
  • Cook food at safe temperatures, and handle food safely to avoid cross-contamination.
 
  • Never leave a lit grill unattended, and keep a fire extinguisher nearby in case of a fire.
 
 
  • Keep children and pets away from the grill to avoid burns and other injuries.
 
 
We hope you take these grilling tips into consideration to ensure a fun and safe Super Bowl Sunday. Enjoy the game!
 
 
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.
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