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Posts Tagged ' Homeowners Insurance'

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Tips to Take the Stress out of Painting

  One of the easiest ways to give your home a fresh new updated look for the new year is with a fresh coat of paint. All the color options, techniques, and equipment available at your local hardware store may seem intimidating, but it doesn't have to be stressful. Painting can be fun! Consider some of these tips to make your painting experience fun and exciting.     Picking your paint and finish Choosing the right paint for your room may depend on the features of the room such as size, focal point, etc.  To make a room look larger than it is, consider painting the room in light colors such as cream or white. Should you choose pastel colors, blues and greens tend to work best in small spaces.  Select furnishings for the room in a similar color as minimizing contrasting colors add to the perceived image of a room.  Should you want a darker color, select paint with a high gloss finish. The shine provided by this type of paint will reflect light and add to the overall look o ...

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Keeping your Identity Secure Over the Holidays

Around this time of year, the holiday sales are at their prime while everyone is gearing up to buy presents, decorations, and other goods. Criminals count on the holidays to find easy targets for scams and theft. Here are a few things to look out for:   Keep an eye on your receipts and statements:  It’s a great reference to verify unknown charges on your accounts. Should something appear incorrect, contact your financial institution immediately.   Charity Scams: Do your research before donating to a charity, especially during the holiday season. If you’ve never heard of the organization, it is best to do a quick search online to be sure it is credible. This is often the time of year where we see a rise in charity scams.  If you’d like to give back this holiday season, contact the charity of your choice directly to find out how you can donate, or volunteer with their organization.   Protect Yourself Online:  When shopping online, try to shop ...

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Little Known Facts About Labor Day

    Today, September 3rd, 2018 we celebrate Labor Day.  While you are relaxing on your day off, grilling, swimming, playing, and enjoying time with your friends and family, here a few facts about Labor Day you may not have known.   Did you know the origins of Labor Day are not American?  True.  Although Labor Day is often considered an American holiday, Canada honored its laborers in 1872 when they showed support for their striking workforce in a nine-hour event in the city of Toronto.  The first Labor Day was celebrated in the United States in New York City, on September 5, 1882; ten years later.   Do you know who is credited for starting the Labor Day movement in the United States?  It is quite possible, nobody knows.  There is great disagreement as to who may have started the movement.  While many believe, Peter J. McGuire, co-founder of the American Federation of Labor, began this labor movement through his union, others credit Matthew Maguire ...

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Make Sure Your Home is Covered for All it's Worth

With your home being one of the largest investments you will make in your lifetime, it is important your home is properly insured for all its worth. A study conducted by Marshall & Swift, determined nearly two out of every three homes in the United States are underinsured. Upon reviewing your policy, you may find your current policy will only insure a percentage of the replacement value of your home. In the unfortunate event of a total loss, a gap in coverage could lead to a severe financial loss. What you need to know to make the right coverage choices:   Market Value vs Replacement Costs - Know the Difference Many believe their coverage limits are based on the market value of their home, as opposed to the replacement cost of the structure. When you insure your home based on its market value, you run the risk of having insufficient coverage. Market values are based on factors such as location, neighboring properties, school zones, and property taxes. However, these factors do not have ...

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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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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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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 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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