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Helpful tips, advice, information and fun facts on topics including safety, maintenance and homeowners insurance.
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From category archives: Florida Peninsula

Scare Safely

As you begin your preparations for this year’s Halloween festivities, we want to make sure those cool costumes of your favorite superhero, monster, or cartoon character will keep you safe while enjoying the day. Whether you plan to dress up like Superman, Elmo, or a scary Vampire, keep the following safety tips in mind when trying on your costume: Choose fire-retardant costumes:  Check the labels of your costumes, as well as all your accessories to ensure they are fire resistant. This should include any wigs, shoe covers, and accessories which may compliment your look. Use Make up instead of Masks:  Using a mask may impair your vision and may cause you to dehydrate, as the heat builds up during your “trick or treating” around the neighborhood.  Instead, consider choosing hypoallergenic makeup commonly used for face painting as an alternative. Size matters:  When trying on your costume, ensure you have selected the proper fit.  Any dangling or loose fitting item ...

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10 Tips to Respect Wildlife

  When venturing outside of our daily lifestyles and into the wilderness for a camping trip or a weekend getaway, it is important to remember the pristine beauty and unadulterated landscape of the natural world is what makes it so attractive. When spending time off the beaten path and in the wilderness, we must leave no trace behind and respect the wildlife we encounter so others can enjoy the beauty of nature after us. Here are 10 tips that will help you respect wildlife:   1.       Travel and camp on established surfaces Using existing campsites, trails, and paths reduces the impact explorers have on the wilderness by eliminating new disruptions to the environment. If you are exploring a pristine area where existing campsites and trails are unavailable, disperse your activity over an area of land to prevent the creation new trails and campsites. 2.       Dispose of waste properly Do not leave behind any waste from your campsite, a ...

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Irma: What to Do After the Storm

    The aftermath of a storm can be a harmful and stressful time for us all. Knowing what to do post-Hurricane Irma can drastically reduce your risk of harm, and accelerate the recovery process. As we all begin the rebuilding process, Florida Peninsula offers the following safety tips and information:   Avoid downed power lines, sharp objects, and dangerous debris. They are the most common culprits for injury. Prior to cleanup, take photos or video of damages to expedite the claims process. Please notify Florida Peninsula of damage as soon as possible by calling 866-549-9672. If safe to do so, make temporary repairs to your home to prevent further damage. When beginning the cleanup process, practice caution, and wear protective clothing and eye wear. Carbon Monoxide poisoning poses as a severe danger after the storm. Be sure portable generators are outside, and at least 20 feet away from doors and windows. If you are without power, do not ...

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5 Ways to Preserve Your Cell Phone Battery Life

    Hurricane Irma has left millions of Floridians without power, and in the aftermath of a storm, having your cell phone in proper working order can provide you with information to stay safe, and keep you in touch with your loved ones. Making the most of your cell phone’s battery life becomes essential once the power is out. Please consider the following tips for conserving your phone’s battery life: 1. Dim Your Screen By dimming, or lowering the brightness on your screen to the lowest level without putting a strain on your eyes can significantly reduce your phone’s power consumption.   2. Turn off Bluetooth, GPS, and Wi-Fi Battery life is consumed anytime your cell phone is searching for signals. If your power is out, there is a high probability your Wi-Fi is out as well. Repeated searches for these signals can easily drain your battery.   3. Close All Unnecessary Apps Restrict your phone usage to calls and texts. In some cases, you may open ...

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Beware of Fraud After Hurricane Irma

Floridians affected by Hurricane Irma are beginning the recovery process by notifying their insurance carriers and making repairs to their properties. We urge our policyholders who have experienced damage from Hurricane Irma to call Florida Peninsula Insurance Company first to protect themselves from fraud.  After natural disasters, it is not uncommon for fraudulent contractors to pray on those experiencing a loss. Contractors will go door-to-door soliciting repair and cleanup services to those in need. At times, 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 when contractors go door-to-door 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 ma ...

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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 ...

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Preparing Children for The Hurricane Experience

As adults, we may have become used to the hurricane experience. When we hear of a hurricane threat, we are most concerned about personal, physical and property security. What is often overlooked, is the psychological trauma it may cause our children.   To a child, hearing word of an incoming storm can be a scary thing and even bring on a sense of panic, especially to those who are afraid of thunder and lightning. It is important to provide support to your children through educational methods, so they can understand what’s really going on, instead of imagining the worst.   Here are some quick tips to prepare your children for the next hurricane:   Talk to them: Just one conversation could change your child’s view of a hurricane. Your children’s reactions are a mirror of yours. By staying calm during the conversation, and especially during a storm, your kids will not have a reason to fear.   Make them comfortable: During a storm, it is important to surround your ...

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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.   2.      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. Afte ...

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Back to School on Insurance: Know Your Coverage

As a homeowner, it is important to know and understand your coverage through your specific carrier. Stay clear of assumptions and be sure to ask questions if you have any. Having a reliable Renter’s, Condo Owner’s or Homeowner’s Insurance plan in place will not only give you peace of mind, but will protect your family and belongings as well.   Your home is likely the largest financial investment you will make. In the event of a fire, flood or natural disaster, this investment can disappear in a matter of minutes, even seconds. Your insurance policy can cover not only damage, but it can save you from financial ruin.   Making sure you have enough coverage is very important. The best way to determine this is to conduct a home inventory. The Insurance Information Institute (I.I.I.) offers a free home inventory tool which lets you create, maintain a photo home inventory, and store it safely in the cloud. To learn more, visit www.knowyourstuff.org. Another important ...

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How to Prepare for a Flood

The most common natural disaster in the United States is flooding. It can occur at any time during any season. Of course, certain areas (flood zones) are at greater risk in certain times of the year, but even if you are not in a flood zone, your home can still be at risk for a flood. “Flooding is an overflowing of water onto land which is normally dry. Flooding may happen with only a few inches of water, or it may cover a house to the rooftop.” (FEMA) Here are some tips on how to protect yourself and your property in the case of a flood: Personal: To avoid being trapped when floodwaters threaten your area, the best course of action is to protect yourself and your family, and to evacuate before flooding starts. Be sure to follow evacuation directions from local officials. It is important to discuss a solid evacuation plan with your family, and to write down emergency numbers you may need during your time away from home. Property: Before a flood occurs, you should take steps to reduce the ri ...

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