EDISON BLOG

Archive: June 2017

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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Keeping Kids Calm During a Storm


 
As hurricane season approaches, we are all looking for ways to protect our homes and securing proper evacuation plans. For parents, although these plans do include children, you must also remember their emotional health and well-being. If you have small children in your home, it is important to prepare them for hurricane season by discussing and creating a plan they can understand. Here are some tips to get kids ready and keep them calm during a storm:
 
Build a “Storm Kit”:
Let your children create their very own storm kits, which includes some of their favorite things such as stuffed animals, games, blankets, etc. This way, when a storm arrives, they will know exactly where their kits are and what is inside.
 
Be Honest:
If your children ask questions about the severity of the storm, it is best to tell them the truth. Instead of saying “it’s almost over,” when you know this is only the beginning, let them know the storm will be here for a while, but remain optimistic in tone.
 
Keep Calm and Carry On:
Your children’s emotions are a mirror image of yours; the same goes for pets. If you remain calm, so will they. Times like this are when your children will look to you the most.
 
Stay busy:
This is a great time to bring out family fun games such as Monopoly, Charades, and other team activities.
 
Make it fun:
Teach your children this is all a part of nature. Give them something to be interested in, rather than be afraid of. Explain how thunder and lightning work or pretend it is nature’s very own light show. Fun tip: After you see a flash of lightning, count the number of seconds until you hear the thunder again. For every 5 seconds, the storm is one mile away. After you count the number of seconds, just divide by 5 to get the number of miles. This is also a great math lesson!
 
Every child is different. Therefore, every child will have a different reaction to the storm. In cases like this, you will need to use trial and error to establish the perfect routine for when a storm hits. We hope these suggestions will help you along the way. 


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 or condo insurance, please call (866) 568-8922, or visit our website

Storm Surge Safety


 
Storm surge is an abnormal rise of water generated by a storm, over and above the predicted astronomical tide. It is a change in the water level, due to the presence of the storm and is the most threatening portion of any hurricane. Storm surges are caused primarily by the strong winds in a hurricane or tropical storm. Evacuation orders due to a storm surge should never be taken lightly. It is best to get out sooner rather than later, as they can rise a day before the storm occurs. Living in close proximity to the ocean can be the most dangerous.

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Storm Surge Preparation Tips:
 
  • Find out from your local emergency services if you are in a surge-prone area
  • Ensure windows are tightly closed, especially in the basement or lower floors
  • Make note of family/friends who live on higher ground in case you need shelter
  • Always have an evacuation kit ready to go in the case of an emergency
 
During Storm Surge:
 
  • If instructed, evacuate immediately and do not delay
  • Avoid driving in flood water
  • Pay attention to storm progression and warnings from local authorities
 
Know Your Elevation:
 
If you live near the coast, or are thinking of buying property near the coast, it's very much in your financial and survival interests to know the elevation of your home. If you are a home owner, your flood insurance certificate should tell you what your elevation is, based on the best available USGS surveys for the area.
 
Flood Insurance:
 
An easy rule to remember is, flood is damage from the floor, up and wind damage is from the roof, down. It is important to speak to your agent about your coverage and to make sure you have everything you could possibly need.
 
As a homeowner, it is important to know what is covered under your policy and what isn’t. Standard homeowners and renter’s insurance does not cover flood damage. Flood coverage, however, is available in the form of a separate policy.


Edison Insurance Company’s mission is to provide quality coverage at competitive rates while providing exceptional service.  For more information on Flood Insurance, or to get a quote, please call (866) 568-8922.
 

National Insurance Awareness Day


 
Wednesday June 28th, 2017 is National Insurance Awareness Day. This day serves as a friendly reminder to take some time out to review your insurance policies and ask important questions about your coverage. It is extremely important for you to understand what is covered when it comes to your home and belongings.
 
Edison Insurance Company strives to give you peace of mind, knowing your property is fully protected, by offering customers the highest level of service and fair claims handling. The best way to celebrate National Insurance Awareness Day is to speak to your agent and discuss the various types of insurance which protect you and your family.

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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.

Zika Virus Emphasizes the Importance of Insect Repellent


Zika Virus  is a mosquito-borne RNA (ribonucleic acid) Flavivirus. Flaviviruses are named from the yellow fever virus. The Flavivirus genus includes multiple human viral infections, including Yellow Fever, West Nile, Dengue and tick-borne Encephalitis. The Zika virus was first reported in Brazil in May of 2015.
 
As of March 28, 2017, there were 1,716 pregnant women with laboratory evidence of possible Zika Virus infection in the U.S. and District of Columbia and there are currently 3,461 in US Territories. These numbers reflect the number of pregnancies which have been reported to the pregnancy surveillance systems. Contracting Zika during pregnancy could cause a serious birth defect called Microcephaly, along with brain defects. There is currently no evidence of past Zika infections affecting future pregnancies.
 
Here’s what to look out for:
 
Symptoms: According to the CDC (Centers for Disease Control and Prevention), the most common symptoms of Zika are fever, rash, headache, joint pain, Conjunctivitis, and muscle pain. These symptoms are usually mild and can last for several days to a week.
 
Diagnosis: Zika virus usually remains in the blood of an infected person for about a week. If you have any of the above symptoms, you should see a doctor right away so they can test a sample of your blood or urine to confirm Zika or any other virus. Your doctor may ask about recent travel or specific symptoms, so make a note of everything you are experiencing. If you are pregnant and think you are experiencing any symptoms, view this checklist, which contains important resources, before you head to the doctor.
 
Prevention: Always use mosquito repellent when outdoors or on a camping trip, especially if you are in an area with high reports of Zika Virus. Be sure to follow the instructions on the bottle and know the age restrictions. While camping, you could use an additional clip on mosquito repellent on top of your bug spray, use citronella oil or safely burn citronella candles (while you are awake).
 
Home: Look for standing water surrounding your home and take proper measures to get rid of it. Keep fountains clean and flowing. You can also purchase an outdoor spray treatment for your home and spray a few times each year to prevent mosquitos from coming near. Inspect your home’s window/door screens for holes or spaces, and install/replace screens if necessary.
 
Clothing: Although mosquitos are out during the day, they are found to be most active at night. It is best to wear long sleeves and long pants at night to avoid being bitten. You should continue to re-apply your bug spray, since it is still possible to be bitten through clothing.
 
Although the Zika Virus is the main concern right now, remember there are many other viruses you could come into contact with, such as Lyme Disease, West Nile Virus, Malaria and many more. In order to protect yourself, you should always wear mosquito repellent and use these suggested prevention techniques. For more information on this topic, visit www.cdc.gov.


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.