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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

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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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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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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Tropical Weather Disturbances Being Closely Monitored

  The National Hurricane Center has issued an advisory for a potential tropical cyclone developing in the deep tropical Atlantic. The latest update advises there is a disturbance moving rapidly toward the Southern Windward Islands, moving at approximately 23 mph (without circulation). It is still too early to know if the storm will affect South Florida, but if it does become a named storm, it will be named “Bret”. Hurricane Season 2017 is here: Are you prepared? Read our latest blog on how to prepare your home and your family this year.  Use Your Resources: The most important thing to know before, during, and after a storm is your resources. These websites and numbers to each should be posted 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.  American Red Cross  National Hurricane Center  Florida Division of Emergency Management    Keeping your family and ...

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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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