Treats – Barbecue – Desserts – Party Ideas for the 4th of July

243 years ago America declared independence from Great Britain on July 4, 1776.

It is time to bring out yummy 4th of July Barbecue, Side Dishes, Salads, Desserts and decorations adorned in red white and blue to celebrate. Picnics, Party’s and heading to the beach will be on the agenda for many, ending this wonderful day with Fireworks lighting up the sky in celebration of Independence Day.

Check out our 4th of July Pinterest Board. We have delicious recipes for Bar B Que, Desserts, Side Dishes, Decoration’s and more fun.

Have a great 4th of July and remember to drink responsibly. Don’t drink and drive or let someone you know!

Happy 4th of July!

 

 

 

Photo Courtesy of JillWellington at Pixabay.com

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Hurricane Coverage for Florida – When Is It Too Late to Purchase

Hurricane Season 2019 is here and its time to get a list of supplies together just in case. As important as preparing for a storm is, you also need to make sure you have homeowners Insurance up to date with Hurricane Coverage.

Don’t wait for a Tropical Storm or Hurricane watch to be issued for your area. Once there is a watch issued from the National Hurricane Center it is highly unlikely for you to get a NEW policy issued in the state of Florida or make changes to your current one.

 

 

Other things to consider for your homeowners policy.

Flooding in Florida

Flood Insurance is not included in your homeowners policy. Flood insurance is separate. Any damage from water that does not include wind and rain from the Hurricane would be covered under Flood insurance.

Check with an insurance agent and be advised that there is a 30 day waiting period before your flood policy can go into effect. You can get a flood policy even if you are not in a flood zone.

Coverage Inside and Out of your Home

Make sure you have a current policy that matches the value of your home and valuables. Now would be a good time to take inventory and re-check everything you want covered.

Don’t Be Surprised

Check into your policy to see how you benefit if there is loss due to a Tropical Storm or Hurricane. Do you have replacement of goods or will you get a cash value.

Windstorm Deductibles

What is your deductible? Don’t wait until a storm had caused damage to find out what you deductible is. Windstorm Insurance usually carries a much higher deductible. Talk to an insurance agent about what are the best possibilities for you.

Take it With You

In the event you need to evacuate your home, take your insurance policy with you. As a back up, make copies and mail to a friend or email to yourself. You can also make copies and keep in a safety deposit box at your local bank.

Have a Pool?

Many pool owners have a screened in pool or a pool cage. Make sure this is also covered on your policy.

Storm Shutters

Having storm shutters may not only be a bonus for your home, but also on your homeowners policy. Ask an insurance agent about a bonus for having the shutters.

After The Storm

Assess your property damage, make notes and take pictures inside and out to present to your insurance agent. Keep receipts of everything your spent in repairs, and what you needed to get your through the storm. Not all may be covered but better to have them then not. If you had to evacuate or leave your property after the storm because of damage, keep receipts of hotel bills, food, rental car, etc.

Call us today to get your questions answered. 863-453-3903 or visit our website budgetbirite.com fill out the form and we will have an agent contact you within 24 hours

 

 

 

Photo courtesy of WikiImages at Pixabay.com

 

Right to the point of danger Driving and Texting Video – Why Nothing is that important that you text while driving!

People are injured or killed in auto accidents every year because they do not heed the dangers of texting while driving.

It is quite simple, nothing is that important the you text while driving. If something is that important then pull over and address it.

This video goes right to the point of the danger.. Pass it on! It may save someone from hurting themselves or someone else, causing serious injury or worse.
Would you still Text and Drive after you see this Video!
 


 
See our article Texting and Driving Illegal in Florida with guidelines from The Florida Highway Patrol for Cell Phone Tips while driving.
 
 
 

Photo Courtesy of Image by StockSnap from Pixabay

Do You Have the Right Hurricane Insurance Coverage for Florida?

The past couple of years Florida has been busy with Hurricanes. We can weather the storms or get out of the way, but number one is to always be prepared for the unexpected. Have your home owners policy up to date for hurricanes ahead of time. The standard is when the weather service puts up a Hurricane Watch for your area, you cannot make changes or obtain more coverage.
2017 was a very busy Hurricane season with 4 Hurricanes being very expensive! Hurricane Harvey (Cat 4) started the ball rolling into Texas Aug. 25, 2017 and leaving extensive damage with Houston and surrounding areas flooded.
On September 10th Hurricane Irma (Cat 4) came into the Florida Keys and ran her course up into Central Florida.About 5.6 million people evacuated, making this storm to cause one of the biggest evacuations ever ordered in the United States.
Hurricane Maria devastated Puerto Rico with winds of 155 mph (Cat 4) on September 20th, 2017. This hurricane took an estimated 3,975 lives and left the island with massive destruction.
Nate made landfall around 7 p.m. CDT Oct. 7th near the mouth of the Mississippi River as a Category 1 Hurricane, then made its final landfall near Biloxi, Mississippi, just after midnight Oct. 8.
Then there was Hurricane Michael in 2018 hitting the Florida panhandle near Mexico Beach as a Category 5 doing devastating damage at an estimated $25.1 billion.
Contact us today to be sure your hurricane coverage is right for you, ask for a free quote! We can help you be prepared with your Hurricane policy’s before the storm and claims if needed after the storm has left.
We have experience with Hurricanes – Charlie, Francis and Jeanne in 2004 and Irma in 2017, all came right to our front door!
Get your questions answered. 863-453-3903 or visit our website budgetbirite.com fill out the form and we will have an agent contact you within 24 hours.

 

 

 

 

 

Photo Courtesy of MariamichelleMariamichelleMariamichelle at Pixabay.com

Preparing For 2019 Hurricane Season and What to Consider for a Supply Kit

ID-100156365Preparing for a flood, hurricane or tropical storm is to get out of town for many. Securing your home the best you can and hitting the road. Many times a flood can come about with a hurricane or tropical storm. Before the warning goes up for a big named storm, you need to think ahead about safety and supplies. From June until November it is hurricane season in Florida and if you live on any coast you should make plans to put together a Hurricane supply kit or check the one you have and refurbish if necessary.

Number one on your list should be water.
One gallon per day per person and you should have a least a 3 day supply. (Considering the stronger Hurricanes i.e. Michael 2018, more then a three day supply may be needed). You will also need water for cleaning, and cooking. When you see bottled water on sale pick up what you need and for your supply kit to use during Hurricane season. If there is no hurricane, you can always drink it up when out of Hurricane season. See this article about how to store bottled water and more. Five Facts You Should Know About Bottled Water

Power Outages

With power outages you will not have refrigeration unless you have a generator and when it comes to food supplies canned or non perishable foods are essential.

Crackers, peanut butter, jelly, bread, canned goods, energy bars, granola bars, powdered drink mixes, etc. What ever your family likes consider this for your food supply, and don’t forget you will need a manual can opener if you do not have on already. These Are the Best Foods to Stockpile for an Emergency

Tip: When Hurricane Charley (2004) was on its way on the west coast of Florida, we were caught off guard and had a short time to prepare when it turned in early and came through Ft. Myers to central Florida. Coolers went fast, they were hard to find as well as ice and generators. With the ice I could gather up, I packed it in my freezer and moved as many items I could freeze from my fridge to the freezer so it would last longer and we could have a chance to use up the food cooking it on the grill after the storm. You should not eat any food that has been in a refrigerator that has been off longer then 4 hours. A well packed freezer will hold your food good for up to two days. Food and Water Safety During Power Outages and Floods

Here are some other items you will need;

Cell Phones and Chargers:

Cells phones should be fully charged before the storm hits. With searches on the internet, texting and phone calls after the storm, you can use up the life of the battery fairly quickly if not careful. Since there had not been in a Hurricane since 2004 when Hurricane Irma 2017 came to central Florida, many learned how fast that cell phone lasted. What saved us was a charger you could plug into your vehicle for recharging. This is essential to add to your supply kit or even to keep in your vehicle at all times.

Coolers and Ice – You may want to have a separate smaller cooler for any medications that need refrigeration.

Medications: At least a 2 week supply should be on hand

NOAA Weather Radio – Always have a NOAA Weather Radio on hand with batteries. The NOAA Weather Service will keep you up to date for flood warnings, hurricanes, tropical storms and other critical information you will need.

First Aid Kit, Insect repellent and sunscreen, moist towelettes and personal hygiene items

Flashlights and Batteries and if someone in your household has an hearing aid, make sure you have extra batteries.

Copies of personal documents like your insurance policies should be placed in a plastic baggie and sealed.

Baby Supplies – bottles, diapers, formula, baby wipes, medication, Baby Tylenol, baby food, blankets, wash clothes.

Pet Supplies – Food, water, ID tag, carrier, leash and of course toys.

Emergency Blankets and Towels

Extra Clothes for everyone in your family. Laundry will not be available so you may want to consider doing laundry before the storm hits.

Multi Purpose Tool Kit for any repairs needed.

Gasoline -You will need this for a generator and be sure to fill up your vehicle before the storm. Generator Safety Tips That Will Get You Through a Storm, and Maybe Save Your Life

Propane for your gas grill or Charcoal. If you have a gas grill you can cook on that or make use your supply of charcoal. (Always use outdoors)

Keep cash on hand for after the storm, it may come in handy at a grocery store or other places without back up generators.

Once a storm hits and the days after you will be glad you have supplies. You also may want to consider purchasing a floor fan that can be run by your generator.

Don’t forget your neighbors. Check on them after the storm to be sure they are safe.

 

 

 

 

 

 

Photo Courtesy of Vlado at FreeDigitalPhotos.net

Celebrating Cinco de Mayo – What Makes An Authentic Taco

Most taco’s are made with hamburger cooked up with Mexican spices and placed into a taco shell. The most popular toppings are cheese, lettuce and tomato and sour cream.

What about the authentic Mexican tacos?

Fact: Did you know that authentic Mexican Tacos do not use lettuce, tomato or cheese? These three ingredients are an American addition to the taco. This video from Food Network tells you more about the traditional taco of Mexico and shows you how they are made with the best combinations of meats, salsas and toppings.

Happy Cinco De Mayo

Photo Courtesy of hayme100 at Picabay.com

Happy Easter from Budget Bi Rite Insurance

1 Peter 1:3

Blessed be the God and Father of our Lord Jesus Christ, which according to his abundant mercy hath begotten us again unto a lively hope by the resurrection of Jesus Christ from the dead.

 

Happy Easter!

 

Driving Through a Storm Safety Tips

ID-10066768Driving safely on the road in pouring down rain and wet roadways can be a challenge. One of the things to keep in mind is the method of driving on wet pavement versus dry.

Just like a boat on the water, your vehicle can skid over the water in what is called hydroplaning. When your hydroplaning your tires lose traction with the pavement and you are now slipping and sliding over water. Worn tires, tires not inflated correctly, how fast you are going and the amount of water on the pavement contribute to hydroplaning. This is scary and the first thing to do is Don’t Panic!

Here are some tips to get your though hydroplaning safely.

Take your foot off the accelerator.

Do not step on the brake.

Shift the vehicle into neutral.

As the car is slowing down, steer in the direction you want to go.

Here are some tips to help you in a rain storm.

• Turn on your lights if they do not automatically come on. It is required by law but sometimes it is the smallest things we forget to do. This will not only help you see but will help other motorists to see your car on the road.

• Reduce your speed when you are approaching any sort of large puddle or flooded roadway. Decreasing your speed will increase the contact of your tires treads on the surface of the road and reduce the risk of hydroplaning in pooled water. (See tips for driving on flooded roads here)

• Stay a safe distance from other cars to avoid an accident. If they start to hydroplane it could cause them to come into your car.

• If you are approaching stop signs or light signals, slow down a bit sooner than normally and give yourself time to stop completely when you get to the light or stop sign.

Try to drive as smoothly and cautiously as possible. Avoid excessive braking and accelerating and be careful when going around corners, if you tires are slippery you veer off instead.

Maintaining your vehicle is vital for just a time such as a very wet roadway or rain storm.

• Make sure both your headlights are working correctly. You want others to see you in the daylight and at night.

• Check your windshield wipers. Replace the current wiper blades with new ones whenever there are any issues with it cleaning the windshield properly.

Your tires are vital for your safety. Get good tires that are suited for wet and dry conditions. Look more for quality then low price. Make sure your tires are inflated to standard of your vehicle. Well maintained tires can cut through water and more importantly keep traction better then worn tires. If you do not see good tread on your tires, its time to go shopping.

 

 

Photo Courtesy of jiggoja at FreeDigitalPhotos.net

 

 

St. Patrick’s Day Fun Facts and Yummy Corned Beef and Cabbage Recipe

id-100313807St. Patrick’s Day, will be celebrated this year on Sunday, March 17, 2019 by many people with delicious Corned Beef and Cabbage, green beer and wearing of the green. It is a tradition in Ireland for the people in the parades and celebrating on the side lines, to wear a lot or a small collection of green clothing. Even some with shamrock pins.

You can enjoy watching the oldest and largest St. Patrick’s Day Parade put on every year in New York City. This parade has been around since 1762 and will celebrates its 257th year. Get more information for times and broadcasts here

Just who is St. Patrick? Many sources agree his real name was Maewyn Succat. He was born in Roman Britain. When he was about sixteen he was captured by Irish raiders and taken as a slave to Ireland for 6 years. In those 6 years he worked as a herdsman, prayed daily and found strength in his faith.

As legend states, St. Patrick drove all the snakes out of Ireland. The basis of this legend is that the origin of the snake as a pagan symbol. Therefore the tale of St. Patrick driving out the snakes can really be taken as a sign of driving out paganism from Ireland. Patrick (Maewyn Succat.) died in 493 AD.

Corned Beef and Cabbage is it Irish?

Actually the traditional dinner of Corned Beef and Cabbage is not an Irish tradition but an American tradition started by Irish immigrants. The local meat in Ireland in the 1700’s was pork served with potatoes. Find out here how pork and potatoes become corned beef and cabbage and why it is the go to dinner for St. Patrick’s Day.

In 1925, “corned beef and cabbage” was voted to be the favorite dish of New York City.

We celebrate every year and usually have a big crowd. Lots of food, fun, friends and family make it all worth while to cook up a storm. Check out this Corned Beef and Cabbage Recipe Favorite with Sides

If you are celebrating, please drink responsibly. Make sure you have selected a designated driver before you party. Please Don’t Drink and Drive.

Happy St. Patrick’s Day

 

hoto Courtesy of Rattikankeawpun at FreeDigitalPhotos.net

Do You Have These Three Important Coverages on Your Insurance Policies?

If you own a home you have homeowners insurance, if you own a vehicle you have auto insurance. We all pretty much know the basics of these policies but your Homeowners and Auto Insurance may offer more then you think.

Identity Theft

On the rise, hackers are on the hunt for your information, these criminals can take your credit card, debit card, social security information and more. Once this is done, you will now be spending your time fixing your credit and reputation.

Under your homeowners policy you can report Identity theft and get help. Coverage limits vary, so contact our homeowners insurance agent to find out if you have it or can add it for a small fee and what coverage is best for you.

Off To College

If your child is a college student living on campus in a dorm, your homeowners policy may cover them for any items if there stolen. If your child is still a dependent, the dorm is considered an extension of your home and so the coverage applies. Before your child moves in take pictures and write down the information of that item such as serial numbers, make, model, etc, and keep in a folder. If other valuable items are purchased after they move in be sure to keep pictures of them also in case you need to make a claim. Contact one of our agents today for more information.

Roadside Assistance

Flat tire, run out of fuel or locking your keys in the car, you need roadside assistance and this can be costly. Ask our auto insurance agents what type of roadside assistance is available on an auto policy.

 

Call us today to get your questions answered. 863-453-3903 or visit our website budgetbirite.com fill out the form and we will have an agent contact you within 24 hours.

 

 

 

 

 

 

Photo Courtesy of Tumisu at Pixabay.com