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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

Do My Roommates Need Renter’s Insurance Too?

    Having roommates has become increasingly popular over the years. Of course, roommates come with financial benefits. They save us from still having to live with our parents in our mid 20s and lighten the burden when it comes to furnishing, decorating, and stocking up on supplies. Since you are splitting the entire cost of the house or apartment, you may be wondering, do you split the entire renter's insurance policy as well? The answer isn't so simple. It can depend on your situation. Here's how to decide if you should share, or have a separate policy.  Separate Policies: Some insurance companies will recommend each roommate to take their own renter's insurance policy since it is the least complicated option. Each roommate would be responsible for making inventory of their own personal property. Having a separate policy would also ensure each roommate has liability coverage for protection if someone gets injured in the home or apartment.  Shared Policies: Other companies will allo ...

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Warning Signs of Plumbing Failure

While your home’s plumbing system appears to be working, there are many warning signs of an underlying issue. In order to reduce your chances of major water damage in your home, you must be aware of these signs and identify them to avoid having to file a claim.  After a while, it is easy to get used to the sound of rattling pipes, a leaky kitchen faucet and a slow flushing toilet. By ignoring these signs, you are creating the headache you could have easily avoided. Here are some warning signs of plumbing failure: A slow, gradual leak coming from a pipe Pipes rattle and make noise An increase in your water bill Persistent sound of running water in toilet Slow drainage in the sink or shower Low water pressure Water backs up in the sink when running the dishwasher Toilet begins to make a “bubbling” sound  If you notice any of these signs, it is important to call a plumber right away and take care of any necessary repairs, to avoi ...

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How to Identify and Avoid AOB Fraud

An AOB (Assignment of Benefits) is a contract between you and a third party such as a contractor, roofer, or water mitigation company. When you sign an AOB, you are giving the third-party vendor the right to deal directly with your homeowners insurance carrier Citizens and receive payment for your claim. Essentially, you are giving up your rights to manage your claim and placing the third party in total control of reporting the amount of loss to your insurance company and negotiating payment.  This is not to say all AOB contracts are fraudulent, but AOB abuse is on the rise each year and we encourage all homeowners to be aware of these crimes. The first step is to identify a fraudulent contractor. Here are some red flags: Someone knocks on your door and tells you there is damage you didn’t know about. You’re promised something for nothing, such as a free roof or kitchen renovation.  Someone claims the damage is greater than it clearly is.  Permanent repairs ...

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AOB Abuse Leads to Increases in Premiums

Assignment of Benefits (AOB) fraud is a fast growing problem for Florida homeowners. Unfortunately, as the result of this problem, it has lead to an increase in homeowners’ insurance premiums for a vast majority of carriers doing business in our State. Most commonly, AOB fraud occurs during an emergency, such as a plumbing or roof leak. When homeowners sign an AOB contract, it puts a third party in direct control, and claims are inflated with unnecessary costs and fees. It doesn’t end there – these costs are then passed on to policyholders when insurance companies calculate and adjust their rates.  Large areas of the state, particularly the tri-county area of Southeast Florida, have already been hit with double-digit property insurance rate hikes, with more increases on the horizon if something isn’t done. State-run Citizens Property Insurance Corp. has calculated what will happen if lawmakers do not fix the problem. In Palm Beach, for example, coverage for a residenti ...

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Dehydration in Children and Pets

When it comes to spotting the signs of dehydration, adults are typically better informed and independent enough to recognize warning signs on their own, while younger children and pets tend to need some assistance in this area. The hottest days of the summer could be the most dangerous for your children and pets. It is important to keep a close eye on them and be aware of the red flags. What causes dehydration? Loss of water through sweat, tears and urine will typically cause dehydration, if not replaced by drinking fluids and eating foods which contain water. Illness could also cause dehydration due to vomiting, fever or diarrhea. Children who are overexposed to the sun and are not drinking enough water are especially susceptible to dehydration. What are the symptoms of dehydration? The most common symptom of dehydration is thirst. Thirst is a sign your body needs hydrating. Other symptoms are less-frequent urination, dry skin, fatigue, headache, light-headedness, dizziness, dry mouth, increased breat ...

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Hurricane Food Shopping List

  You’ve just heard word a hurricane is approaching and your first instinct is to head to the store to fill up the pantry. Remember, you should plan for the worst possible outcome; purchase food items which do not require a refrigerator, microwave, stove or oven, as electricity may not be available for a few days should you lose power. Here are the best foods to stockpile in the case of an emergency:   Drinks: Bottled water is a must-have item during a hurricane. You can also purchase Gatorade or Powerade, which are great sources of electrolytes and carbohydrates and can help rehydrate. Powdered milk is a great substitution for fresh milk if you have no power to your refrigerator. Energy: Children can get very cranky, especially when all their resources are cut off, such as the TV and radio. Stock up on items like fruit, peanut butter, nuts, trail mix, granola and power bars to keep their moods and spirits alive. Vitamins: Even though you have access to food, not eating nor ...

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Hurricane Mitigation: Protect Your Home

Hurricane mitigation encompasses the actions and measures taken before a hurricane strikes. Being a homeowner makes your home one of your largest investments. Therefore, protecting it from natural disasters should be a top priority.  A natural disaster can occur at any given time. The 2017 Atlantic Hurricane Season Forecast predicts a reduced amount of activity than last year, but this does not mean we should let our guards down. Here are a few steps you can take to protect your home from damage before this year’s Hurricane Season is in full effect:   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, along with your home and belongings.   Shutters: If you hear news of an approaching hurricane, installing 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 ...

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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.

Florida Peninsula 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.

 

Florida Peninsula is one of Florida's top homeowners insurance companies. We strive to combine the latest technology with old-fashioned fast, fair, and friendly customer service and claims processing. If you are in the market for a home insurance quote, give us a call at (877) 229-2244 or get a quote on our website. 

A College Graduate’s Guide to Insurance

    The road to a college degree is mainly about preparing for life outside of school and coming out from your parents' wings. Unfortunately, higher education also comes with a financial burden. In order to save some money to protect yourself and your belongings, it's time to think about insurance.  Why Do I Need It? Some may question the necessity of any type of insurance if they are living a relatively safe and healthy lifestyle. It is important to remember, anything can happen at any moment, so preparedness is key.  Health Insurance: Everyone needs health insurance, no matter what their lifestyle. Medical treatment can be extremely expensive. Unexpected illnesses and injuries could wipe you out financially. Many employers will cover part of your premiums, so once you've landed your first job, ask questions to find out if you're covered. If you have been under your parents' insurance, be sure to find out if you are still eligible after you graduate, or until what age. If your new ...

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The Importance of Flood Insurance

April showers bring May flowers, and floods. According to FEMA, no other type of natural disaster in the United States produces more destruction and devastation than flooding. It can only take one heavy rainstorm to cause significant flooding and damage. Floods result in billions of dollars in damages each year, which it is why it is imperative to be prepared and protected.  Every home is at risk for flooding, and surprisingly, only a small percentage of homes are covered by flood insurance. Did you know, flood coverage is not typically covered by a standard homeowners, condo, or renters policy? Home insurance policies may protect you against water damage, such as a pipe leak or hole in your roof, but will not cover flood-inducing factors such as torrential rainfall or storm surge. Flood water can find its way into your flooring, walls, appliances, electrical system and furniture. It can only take an inch of flood water to cause thousands of dollars in damages to your home.  Stay above water by ...

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