EDISON BLOG

Archive: October 2016

Have a Healthy Halloween



When you think of Halloween, you think of candy…right? We’ll let you in on a little secret: so do we. Although it’s never a bad thing to have a day full of treats, you should still be conscious of the amount you are allowing yourself and your children to eat. Consider these tips on how to have a healthy Halloween:
 
  • Having a good meal prior to trick-or-treating is always a good idea to prevent from filling up on Halloween treats throughout the night. It is true, most children will eat a lot of candy because it’s tasty, but also because they might be starving due to a missed meal in the midst of all of the excitement.
 
  • Most kids who are “Halloween pros” do this anyway, but it’s best to ensure you ration treats for the days and weeks following Halloween. This is a lot easier than cleaning up the infamous candy explosion due to eating 57 snicker bars in 20 minutes.
 
  • Encourage your kids to take only one or two treats during their trip through the neighborhood, instead of attempting to shovel boatloads into their sack. Hint: This also encourages politeness.
 
  • Sharing is caring. Have your children bring some of their extra candy to school for their peers who may not have gone trick-or-treating for any reason. Everyone may not celebrate Halloween, but everyone deserves to have a treat. This will also lighten the load of candy laying around the house and encourage your children to do good for others.
 
Have a happy, healthy and spooky Halloween.

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, or to get a quote, please call (866) 568-8922.

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Alternative Ways to Light Your Pumpkin This Halloween




 
We’ve been making jack-o’-lanterns on Halloween for centuries. This year, we’re extinguishing the fire. Believe it or not, there are several different ways to light your candle to avoid a fire and have the safest Halloween possible. Here are three simple alternatives:
 
  1. Glow Sticks: By using 2-3 high quality glow sticks, you will be able to light up your pumpkin in a dark area, while producing a rather eerie effect. This option is more trial-and-error, since some glow sticks do not produce the brightest of lighting.
 
  1. Pumpkin Lights: Pumpkin Masters produces spooky lighting for your pumpkins which are very bright, have different intensities and settings for blinking and they are battery operated. These lights are available both online and in stores.
 
  1. Flameless Candles: For those who prefer a more classic look, but don’t want to light an actual flame, these are your best bet. Looking at it, you still get the “candle” effect, but you also don’t have to worry about a possible fire.
 
This year, when carving your pumpkins, we hope you will consider one of these 3 fire-safe alternatives. Why ruin the fun with something you could have avoided altogether? Have a Happy Halloween. 

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, or to get a quote, please call (866) 568-8922.

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.


Allow Edison Insurance Company to shine our light on you and your family by insuring your Florida 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 FL 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.