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From category archives: Florida Peninsula

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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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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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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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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 Reduce Your Chances of Major Water Damage

Water damage is one of the leading causes of claims filed in the State of Florida. There are preventative measures every homeowner can take to significantly reduce their risk of damage. Below are 3 simple steps you can take to protect your home and belongings:   Be mindful of where you plant: Certain plants and trees have invasive roots, meaning the roots can grow right into your sprinkler system, septic tanks, pipes, and more. By creating a plan before you plant, you can avoid water line damage due to roots.   Clean out your gutters: This task may seem a bit tedious, but it will be well worth it. Safety climb up to the roof to inspect your gutters for leaves, birds’ nests, sticks, etc. and clean them out.  A clogged gutter can send water straight into your home’s foundation or into the basement, causing major water damage. You can also hire a certified professional to do this for you.   Keep an eye on your water bill: Regardless of the size of your home, a leak could r ...

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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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