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From category archives: Florida Peninsula

Make the Most of National Preparedness Month

Recognized each September, National Preparedness Month serves to remind us to prepare ourselves and our families for disasters. As Floridians, we know the threat of a natural disaster or storm is always a possibility. Would you and your family know what to do in the event of a disaster? Consider these tips and make the most out of National Preparedness Month:  Establish and test emergency plans with your family. Sign up for local and state emergency alerts.  Install or test your smoke and carbon monoxide detectors.  Stock up on emergency supplies.  Create a home inventory. Click here for some tips to inventory your belongings.  Review your insurance policy and contact your agent to make any necessary changes to your coverages.  Don’t forget about flood insurance. Hurricanes and storms bring heavy rains which could cause flooding. Purchase flood insurance to make sure you are covered.   Septemb ...

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Hurricane Season 2018: Are You Prepared?

The best way to ensure your family’s safety for the arrival of the 2018 Atlantic Hurricane Season is to prepare for the worst. After last year’s record-breaking hurricane season, it is important to be as prepared as possible. Here are some ways you can prepare yourself, home, and your family for the 2018 Atlantic Hurricane Season: 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. While under the threat of a hurricane, 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 and 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 ...

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Revisiting AOB Fraud Ahead of the 2018 Hurricane Season

After the chaos of a natural disaster like a hurricane or tropical storm, it is common for unscrupulous individuals to create fraudulent schemes to pray on those experiencing a loss. As such, Florida Peninsula Insurance Company would like to provide some important information about AOB abuse well before the 2018 Hurricane Season is in full effect.   What is an AOB and 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 and receive payment for your claim. AOB fraud occurs when contractors 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 their repairs, as the contractor already received a claim settlement from the insurance company.   W ...

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Is Your Home at Risk of Flood Damage?

Find out if you need flood insurance.

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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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