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Archive for the ‘ Insurance Agency ’ Category

Spring Cleaning Tips For Homeowners

Spring Clean Like A Pro and Avoid These Common Insurance Claims

As you start to sort through the clutter of your spring cleaning checklist, be sure to include a few valuable points that improve the quality of your home as well as protect against potential disaster. Most claims for homeowners insurance in Florida can be avoided with a little wise preparation.

Clear Away Lint

The vent hose on the back of your dryer needs to be thoroughly cleaned out at least once a year. Otherwise, the accumulating lint becomes a disastrous fire hazard. A single spark will ignite a highly flammable lint collection and quickly engulf an entire house, making dryer vents a common although easily preventable cause for Florida homeowners insurance claims.

Now is also a great time to also check air filters and any other parts of the house that collect debris or lint. 

Make a Quick Safety Check

smoke detectorCheck smoke alarms and CO detectors to ensure that they are functioning properly and have fresh, fully charged batteries. Also, make sure you have an accessible and working fire extinguisher on every level of your home. Preventative measures like these are easily overlooked and forgotten especially after years without use, but a routine annual check could spare you from disaster.

Schedule a Maintenance Checkup

Many local professionals in the area will happily provide routine maintenance checks at little to no cost. Also, some providers of homeowners insurance in Florida offer discounts and lowered rates for homes that are regularly maintained. Contact each of the following contractors to eliminate common household risks with a thorough inspection:

  • HVAC Technician to inspect your ductwork and air conditioning unit
  • Plumber to inspect water heater and pipes
  • Roofer to check for damaged shingles or potential weak spots
  • Electrician to inspect wiring and outlets
  • Pest Control to protect against potential invasions

Take a Home Inventory

Many claims for Florida homeowners insurance involve theft and vandalism, especially during Spring Break and Summer holidays when your home is more likely to be vacant. Before you endure the stress of painstakingly attempting to asses the value of your lost goods, make a comprehensive catalog of your valuables. Most insurers provide simple phone apps that allow you to save and record pictures and details, eliminating the time-wasting hassle of recovery.

Prep for the Next Coming Storm

The exterior of your house requires as much attention to safety as the interior. Because Florida is consistently prone to inclement weather and damaging storms, it is wise to take precautions against natural disaster.  Take the time to ensure that your home is prepared for floods, rain, and strong winds that are most detrimental to the property.

Make certain that your yard is clear of dead branches or any potential debris that may become a projectile during hurricane force winds. Keep trees well pruned and maintained, and clear your gutters and drains of any collected dirt. Furthermore, check the caulking and seals around windows and doors to ensure against leaks before rain falls.

10 Common Insurance Myths

Insure.com said it recently surveyed 2,000 adults, half women and half men, from all regions of the country, asking them whether 10 insurance-related statements were true or false. All the statements were false, according to the online insurance provider.

10 Mythsinsurance-journal

Below are 10 insurance myths, with the realities and comments provided by insure.com, and the gender breakdown of those who believe the myths are true.

Myth 1: I should buy insurance coverage for my house based on its real estate market value.

  • 52% think it’s true (45% women, 55% men).
  • Reality: Buy coverage based on a home’s cost to reconstruct (materials and labor).

Myth 2: Red cars cost more to insure because they get pulled over for speeding more.

  • 46% think it’s true (52% women, 48% men).
  • Reality: Car color doesn’t affect insurance rates.

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Is Ebola Compensable Under Workers’ Compensation?

Along with all the concerns regarding the ongoing Ebola epidemic, here’s one many people probably haven’t considered: What about health care and life insurance costs if the disease were to become widespread in the U.S.?

insurance-ebolaThe effects on the Life and Health insurance industries will clearly depend on whether the infected people are insured. Some of those who have died up to now were children and almost certainly did not have life insurance.

Two tests must be satisfied before an illness or disease can be considered occupational and thus compensable under workers’ compensation.

  • First, the illness or disease must be “occupational,” meaning that it arose out of the course and scope of employment.
  • Second, ultimate compensability of an illness or disease is dependent upon the work or occupation of the employee; the illness or disease must arise out of or be caused by conditions “peculiar” to the work.

Continue: http://www.insurancejournal.com/news/national/2014/10/10/343250.htm

More on Ebola: http://www.iii.org/article/facts-and-perspectives-on-the-ebola-pandemic

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New Car Seat Belt Requirement Age In Florida

Florida Car Seat Law Change | Insurance LandThe child car seat belt law has changed in Florida due to a new law passed by Florida Governor Scott. No more strapping your 5 year old children in with normal adult seat belts. CLICK HERE to read more.

Florida ‘Hurricane Tax’ Being Retired

Hurricane

The Florida Cabinet voted this week to end the assessment, a 1.3 percent surcharge on policyholders, that was initiated in 2008 and had been expected to continue until 2016. State law requires an assessment whenever the Florida Hurricane Catastrophe Fund (FHCF) does not have enough cash to pay insurers for the losses they incur. The surcharge, called the “hurricane tax” by some, is used to fund revenue bonds to pay the losses. READ MORE HERE

10 Ways to Protect Your Home Against Hurricane Damage

Hurricane season has begun, but you can still take steps to minimize the risk of damage to your home if a named storm swoops down on Central Florida this year.

Here are 10 ways you can beef up your home’s protection before a hurricane approaches – don’t wait until a storm is on its way!

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How Credit Scores Affect Insurance Rates

how credit scores affect your insurance ratesBack in the good old days insurance rates were determined by the driver’s age, sex, driving record and the type of car.  At that time you paid for homeowners insurance based on the type of construction and you got a big discount if you lived within three miles of a fire station.
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Can you Afford to Rebulid After a Hurricane?

Every year, hurricanes cause millions of dollars worth of damage to Florida homes and businesses. Hurricane insurance can be complicated, and laws about it have changed several times during the past few years.

The important question to ask yourself is, “if a hurricane wallops my area, can I afford to rebuild my home?”

For most of us, that answer is “no,” so we need to be sure our hurricane insurance policies cover us properly.
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