EDISON BLOG

Category: Hurricane Season

Hurricane Comparison: Andrew vs Irma


 
Hurricane Irma and Hurricane Andrew are two of the largest and most devastating hurricanes to ever hit Florida. Although there is a 25-year difference between the two, comparisons have been made due to their size and strength. Here is a detailed look at how Hurricane Andrew and Hurricane Irma compare:
 
Dates:

Andrew: Occurred from August 16th to August 28th of 1992.
 
Irma: Occurred from August 30th to September 13th of 2017.
 
 
Category and Wind Speeds:
 
Andrew: Hurricane Andrew hit Florida as a Category 5 Hurricane with sustained winds at 143 mph and gusts reaching 173 mph.
 
Irma: Hurricane Irma hit Florida as a Category 4 Hurricane with winds at 185 mph and gusts reaching a whopping 210 mph.
 
 
Their Track in Florida:

Andrew: According to Accuweather, Andrew churned along the east-to-west coast of South Florida rapidly. Particularly causing the most damage to southern Dade County.

Irma: Hurricane Irma went along the west coast of Florida, from the south to north. Irma caused damage to such a large area of the State due to its track and spread out hurricane-force winds.
 

Damage and Cost:
 
Andrew: Hurricane Andrew destroyed roughly 125,000 homes, costing $25 billion in damages. Andrew was the most expensive natural disaster in U.S. history until Hurricane Katrina in 2005.
 
Irma: Due to Irma’s size and strength, the Office for Coastal Management reports the damages to cost roughly $50 billion. Which puts Irma in the top 5 of the costliest hurricanes on record in the United States.
 
 
As we hope to never have to endure another hurricane like Andrew or Irma, it is always important we are informed and prepared. Check out our blog for useful hurricane preparation tips and information. For a more in-depth look at the comparisons between Andrew and Irma, 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 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.

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.

3 Things You May Not Have Known About Hurricanes



As Floridians, we are all aware of the damage and destruction hurricanes can cause. While hurricanes may be scary, they are also surprisingly interesting.  Hurricanes, also known as tropical cyclones, are storms characterized by strong winds, heavy rains, and destruction.  Here are 3 things you may not have known about hurricanes:
 
  1. Tropical cyclones can go by many names, depending on the ocean they form in. A hurricane is only a “hurricane” when it is formed over the Atlantic Ocean. If a storm is formed over the Pacific Ocean, it is called a typhoon. If one is formed over the South Pacific or the Indian Ocean, it is called a cyclone.
 
  1. Tropical Cyclones started being named in 1953, by the National Hurricane Center to make it easier for the public to know which storm warnings to follow. 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. In the event all 21 names are used in one Hurricane Season, all additional storms will take names from the Greek alphabet.
 
 
  1. When a hurricane becomes noteworthy for causing much destruction or devastation, the name of the storm is retired. Due to the devastating, destructive and costly nature of last year’s hurricane season, four storms had their names retired; those being: Harvey, Irma, Maria, and Tropical Storm Nate. 
 
Although these facts may be fun, hurricanes are serious storms and should not be taken lightly. Make sure you take proper precautions to keep you, your family, and home safe. Should the catastrophe strike, you can be sure Edison Insurance Company will be ready to assist you.

Edison Insurance Company knows the importance of keeping your family and home safe and protected. We strive to provide efficient, cost-effective, peace-of-mind protection for our policyholders. To learn more about Edison Insurance Company, please contact (866) 568-8922 or get a quote on 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.

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.

Hurricane Season 2017: Are You Prepared?


 
The best way to ensure your family’s safety before Hurricane Season arrives is to prepare for the worst. No one wants to think their entire home could be destroyed, but if it ever were, you want to be as prepared as possible. The best time to make a hurricane plan is when there is no hurricane. Here are some ways you can prepare yourself, your home, and your family:
 
Supplies:
When a hurricane strikes, you will not have access to many of the things you will need to survive, or the freedom to go out and buy them. Even before the threat of a hurricane, many people will follow the same thought process and search for common items. It is best to gather your hurricane supplies months before the season arrives. Here is a basic list of things you will need. Apart from this list, you should consider additional items such as toys for your children, or even games the entire family can enjoy to help the time go by.
 
Evacuation Plan:
Your hurricane supplies should be packed in backpacks in case your family is instructed to evacuate. This way, everyone can help carry the load. You should have a satellite radio on hand in case there is no electricity to hear the latest evacuation instructions and to stay updated on the status of the storm. Be sure to have a list of medications, a good supply of cash, and anything else you will need immediately. Having a family discussion ahead of time will help keep everyone calm if this were to ever happen, especially younger children. Remind everyone to stick together, and if separated, find a meeting point and know your emergency contacts.
 
Don’t forget about your four-legged family members. Your pets should always be included in your emergency plans. Be sure to prepare a travel kit and emergency supplies for them, just as you would for yourself and your children.
 
Important Documents:
All documents such as passports, driver’s licenses, citizenship documents, birth/adoption certificates, insurance policies, etc. should be kept in an airtight, waterproof container or storage bin. You should also make a habit of scanning these documents and keeping an electronic version in case they are ever misplaced during the chaos. Along with your documents, you should also keep an updated inventory of personal items, especially the ones which hold the most value.
 
Preparing Your Home:
There are many steps you can take to prepare your home before a hurricane strikes, such as installing shutters, clearing the yard, strengthening your roof, and more.
 
 
Use Your Resources:
The most important thing to know before, during, and after a hurricane is your resources. These websites and numbers should be posted in several areas in your home for easy access. These resources are always available to you, and they could save a life in the case of an emergency.   
Insurance Coverage:
Before Hurricane Season arrives this year, be sure to give your agent a call to review your policy make sure you are completely covered if disaster strikes. The last thing you want to worry about is how you will replace your home and valuables if they are destroyed. It’s better to be safe than sorry! Edison Insurance Company knows the importance of keeping your family and home safe and protected. We strive to provide efficient, cost-effective, peace-of-mind protection for our policyholders. To learn more about Edison Insurance Company, please contact (866) 568-8922 or get a quote on our website

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