Do You Have the Right Hurricane Coverage for Florida?

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 knocking on our door. 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.

All these Hurricanes put the insurance companies in motion for costly catastrophic storms up to $200 billion by early tabulations ( and the most expensive in US history), according to the National Geographic.

We can weather the storms or get out of the way and 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.

Contact us today to be sure your hurricane coverage is right for you and let us help you get a lower price, ask for a free quote! We have experience with Hurricanes policy’s before the stoprm and claims helping you out after the storm has left. We have been around the block four time 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.

See our other helpful articles for Hurricanes here

 

 

 

 

Photo Courtesy of  Mariamichelle at Pixabay.com

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Signs Of A Sinkhole on Your Property and Damage Control

Sinkholes are common in Florida, in fact Florida has more sinkholes than any other state. Sinkholes are depressions in the ground, but the ones that appear suddenly, called Collapse Sinkholes, can cause damage to homes, roads, property and to people.

Collapse Sinkholes occur when the water table changes – either too much rain, or not enough rain can cause the ground to cave in on itself. There may be warning signs of sinkhole activity and it is important to keep an eye out for these.

  • Cracks in the floor, walls or pavement – check both inside and outside your home. The cracks may start out small so write down where they are and the measurements. If they continue to grow, it’s time to have your house inspected.
  • Windows or doors not closing properly – you feel that it is harder to close a door or window, which can mean structural shifting.
  • Depressions in your yard or your neighbor’s yard – one easy sign is a hole in the ground that wasn’t there before. Also look for fencing or large items such as playground equipment that has shifted.
  • Sediment in your water
  • A neighbor’s sinkhole activity

Some people fear calling their Homeowners Insurance if they suspect a sinkhole thinking that their rates may go up, but its better to use the knowledge of their inspection services than for a sinkhole to happen suddenly. Most often, if nothing is found, your rate will not be raised.

Inspect regularly for sinkholes and keep track of any signs that you may find. If sinkhole activity is found close to your home, be even more diligent with your inspections.

Get more information about sinkholes. See this article “How Sinkholes Work” by How Stuff Works, Here 

 

 

 

 

 

 

Photo Courtesy of digitalart at FreedigitalPhotos.net


Safety Tips – Driving on Flooded Roads in Florida

July and August bring on the rainy season in Florida with many thunderstorms and lots of rain pouring down in a short amount of time. This can cause street flooding quickly. When driving in rain, drive slower than normal and be aware of other drivers who may lose control and slide into your car on slick roads. The day can turn cloudy and dark suddenly, put your lights on to make it easier for other to see you. Driving through water can cause you to get stuck and may ruin your car.

Learn more about what this does to your car and other tips – Driving Through Flooded Streets Causes Unseen Damage to Your Car

Check out this video taken in winter time in Florida when these storms and heavy rain are not so popular!

 

 

 
Flooding Overtakes South Florida Streets

  
Have questions about flood insurance? Contact us today at 863-453-3909 or visit our website Here.
Stay safe!
 
 
 
 
Photo Courtesy of darylaim at Pixabay.com

 
 
 
 


Helpful Tips for What To Do If Your In An Auto Accident

ID-10076578Your fault not your fault, accidents happen. As much as we prepare, getting auto insurance, wearing our seat belt, taking a defensive driving course, we also need to be prepared for what to do on the scene when an accident happens to you.

Immediately stop your vehicle or do not move it from the place it has stopped.

As hard as it may be at this time, keep calm. The leg work you do at the scene will help you later in case of any disputes.

Check yourself and your passengers for injuries. Call the police immediately.

Check the other vehicle for injuries to report them as well if they have not or are unable to call.

Report the accident right away ( most auto insurance policies require notification of police within a specified time period if the accident is a hit and run)

Get names from all drivers as well as license plate(s) and vehicle identification numbers.

Get names, addresses, and telephone numbers of other passengers and any witnesses.

Use a camera or your cell phone to take different angles of the accident with all the cars involved, damage to your vehicle, the accident scene for traffic lights, signs, etc.

 

• If anyone is injured or the vehicle damage exceeds $750.00, you must report the accident to the Department of Motor Vehicles within 10 days.

Failure to notify the DMV may result in the suspension of your driver’s license.

Notify your agent and/or your insurance company right away.

You should also be aware of things NOT TO DO

Do Not – Argue with other drivers and passengers. Tell your story to the police and your insurance company.

Do Not – Sign statements regarding fault or promises to pay for damage.

Do Not – Sign anything releasing the other party from further responsibility. Example: If another party offers to pay your deductible.

By releasing the other party, you jeopardize your insurance company’s right, which may lead to the company may refusing to pay for damage to your car.

 

 

 

 

 

Photo Courtesy of Naypong at FreeDigitalPhotos.net


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

ID-100263247Summer is here and it is time to bring out yummy 4th of July Barbecue, Side Dishes, Salads, Desserts and decorations adorned in red white and blue. 242 years ago America declared independence from Great Britain on July 4, 1776. 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 Ques, 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 holohololand at FreeDigitalPhotos.net