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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

Blast into the New Year Safely

New Year’s Eve is a popular day for fireworks displays, as everyone enjoys blasting off into the new year. As fun as setting off your own fireworks display can be, it could easily become dangerous should safety precautions not be in place. Fireworks used incorrectly can lead to some serious injuries. In preparation for your upcoming New Year’s celebrations, Florida Peninsula would like to share the following fireworks safety tips: Obey your local laws. If fireworks are illegal where you live, do not use them. Designate a responsible adult to set off fireworks. Always place fireworks on a level non-flammable surface. Shoot fireworks off in an open area, away from spectators and flammable materials. Do not point or throw fireworks at another person. Adults should supervise young children around fireworks and sparklers. Avoid re-lighting or pick ...

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Give Back While Giving Thanks

With the start of the holiday season, let us be thankful for what we have, and place our focus on the spirit of giving back. Celebrated annually on the Tuesday following Thanksgiving, Giving Tuesday, is a day for charities, families, businesses, students, and friends to come together to celebrate and encourage charitable giving. Since 2012, #GivingTuesday has become a worldwide movement with the help of social media providing a platform to bring awareness to community issues and giving opportunities. Whether you are coming together with your family, friends, neighbors, or company, find a way to give back to your community this year. Just the smallest act of kindness can make such a difference. Florida Peninsula Insurance Company and our “Florida Peninsula Gives Back” team is committed to giving back to the communities where we work and live. Each year our employees and agency partners participate and give to several organizations including The Broward Partnership for the Homeless, Flor ...

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Homeowner Responsibilities

Do you know your responsibilities as a homeowner?

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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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Basic Boating Safety

Boating can be a wonderful recreational activity for the entire family, if you follow basic boating safety guidelines. No matter how much experience you have, reviewing these guidelines before departure is always a great idea. Here are some simple ways to ensure a terrific boating experience:  Use a pre-departure checklist. It is important to prepare for any scenario on the water. Following a checklist ensures nothing has been forgotten or overlooked. A few things to consider are: ·         Disconnect all utility lines, such as power cords and water lines ·         Go over rules with passengers (keep all hands and feet inside the boat, no running, etc.) ·         Watch for other boats and people in the water before leaving the dock ·         Proceed slowly when leaving and approaching the dock · ...

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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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Always Have a Plan: Flood Emergency Preparedness

    Emergencies can strike at any given moment, which is why they’re called emergencies. By having a solid plan, you can ensure the safety of yourself and your entire family, no matter what comes your way. Here are some questions to ask yourself: Do I have an exit strategy? Preparedness begins with the entire family. Set aside some time to sit down and have a conversation to make sure everyone is on the same page. In the event of a flood, how will everyone get out both quickly and safely? Be sure everyone in the household knows to avoid any water six inches or deeper since this amount is enough to knock a small child over or sweep an adult off his/her feet. Do I have an emergency contact? Give someone you can trust access to personal information, such as a list of medications for the family, insurance policy numbers, phone numbers, documents, etc. This could be a close friend or family member. You should also designate someone to watch over your children or pets in the event ...

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Are Your Pets Included in Your Emergency Plans?

Emergencies show themselves in all shapes and forms and each disaster requires different measures to keep your pets safe. It is extremely important you have a plan of action for all scenarios such as hurricane, flood, fire, etc. Here are some simple things you can do in order to be prepared and keep your pets safe:  Obtain a Rescue Alert Sticker: There are several companies, such as the ASPCA, where you can obtain one of these stickers. In the event of an emergency, these stickers will make rescue personnel aware pets are inside your home. This sticker could potentially safe your pets' life if they are trapped during a disaster.  Prepare a travel kit and emergency supplies: If you are ordered to evacuate your home, have a kit ready to go for each pet. Even if you don't think it will be long, prepare for the worst.  Make sure all pets are wearing collar and tags with up-to-date information. If your pet has medical needs, the tag should include this information in case you were to be s ...

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Florida Peninsula's Charity of the Month: Humane Society of Broward County

Florida Peninsula's Charity of the Month is the Humane Society of Broward County. This organization "provides shelter, aid, and responsible adoptions to animals entrusted to [their] care, and educates the community about respect and kindness to all animals." The Humane Society of Broward County makes continuous efforts to large-scale cruelties, such as animal fighting and puppy mills.  For the month of March, Florida Peninsula is hosting their annual pet contest, which they will donate $1 for each agent and employee entry. Florida Peninsula will also be participating in the Broward County Walk for the Animals on March 18th, the Humane Society's largest annual fundraiser. In 2016, they were able to raise over $525k to benefit their animals and programs.  For more information on the Humane Society of Broward County, and to find out how you can be involved, please visit their website.    Thank you for visiting our blog. Florida Peninsula Insurance Company is one of Florida's top homeown ...

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