Tropical Storms have winds from 39-73 mph. The are not as strong as a hurricane, but have the potential to do damage. Hurricane winds range from 75 mph and up. The stronger the winds the higher the category number for a Hurricane.
Category One – 74-95 mph
Damage to mobile homes and manufactured home that are not anchored, shrubbery, trees, some coastal flooding and minor pier damage. Loss of electricity. Storm surge 4-5 ft
Category Two – 96-110 mph
Damage to possible destruction of mobile homes, manufactured homes, roofs, windows, trees, shrubbery, small craft in unprotected anchorages. Loss of electricity. Storm surge 6-8 ft
Category Three – 111-130 mph
Mobile homes are destroyed. Damage to small residences and utility buildings. Structural damage to homes possible. Flooding well inland very possible. Loss of electricity. Storm surge 9-12 ft
Category Four – 131-155 mph
Extensive damage to loss of curtain wall (an outer covering of a building in which the outer walls are non-structural, used to keep out the weather.) Roof damage to destruction, damage to homes in general, flying debris, flooding, beach erosion. Loss of electricity. Storm surge 13-18 ft
Category Five – 155 mph+
Catastrophic Damage to what ever is in its path. If you do not have to be in a category Five Hurricane, Evacuate! Roof destruction, loss of any utility buildings. Major flooding to lower floors and all buildings and homes on or near a shoreline. Total destruction to mobile and manufactured homes. Extensive damage to homes and buildings. Flooding. Loss of electricity. Storm surge 18 ft +
If you live in a high rise building at the highest floor, you are likely to see more wind damage then on the lower floors, being the wind is stronger at higher levels. Lower levels may experience flooding, depending on the storm surge and category of the hurricane. If you are renting, be sure you have renters insurance, your landlords insurance may cover the building but not your personal belongings.
Hurricane winds are preceded by Tropical Storm winds and should not be taken lightly. Hurricane force most intense winds are on the right side of the eye wall. The eye wall (the inner circular formation of the hurricane) carry the highest winds and rain surrounding it. If you have the eye of a Hurricane coming over your area, you will experience a lull in the storm. This could be for just a few minutes to more depending on the size of the eye, how many miles across, and you do not want to be outside when the eye passes completely. The winds will pick up again for the other half of the storm.
Check your home owners insurance before a hurricane is near your area to be sure your up to date. Once a hurricane watch or warning has been announced you are highly unlikely able to purchase Hurricane Coverage. Flood insurance is not a part of your homeowners insurance coverage and you will have to purchase it separately and will take 30 days to go into effect. Even if you are not in a flood zone, when there is a hurricane in your area, you will run the risk of possible flooding. Purchasing Flood Insurance would be a good idea before the Hurricane season starts.
Contact Us today for a homeowners and flood insurance questions or quotes at 863-453-3903 or visit our website budgetbirite.com fill out the form and we will have an agent contact you within 24 hours.
It’s summer travel time and when you own a Recreational Vehicle it’s all about getting on the road. Before you do, be sure that your RV or also called motor home is ready for travel. Many people store their RV and use it only during the summer months. When you get it out of storage go through these safety checks so you can are prepared for your upcoming trips.
Check your tire pressure and tire thread. Fill up the propane tanks and check for leaks. Take your RV to be serviced, have the hoses inspected, the lights, battery, fluids and brake system tested. Have an oil and filter change. Ask your technician to go over your recreational vehicle from top to bottom. To save money, do what you can before hand. The next step is to clean and go through the inside. Check your appliances, plumbing system, air conditioning unit, windshield wipers, etc. Do a thorough cleaning of the floors, walls, cabinets and furniture. Don’t forget to wash your RV before you head out also.
Then it’s time to pack! Go grocery shopping and stock up on the food you’ll need for about a week. Don’t forget the staples like spices, sugar, flour, rice, broth, tuna, coffee, tea, jam and jelly, etc. You can create a check list that you reuse each year. There’s also your hobbies to think about. Bring your books, movies, puzzles, bicycles, tennis rackets, golf clubs, etc. Fill up the closets but leave some room for what you may buy while you’re traveling.
Your trip is mapped out and your reservations are set, but before you think of leaving, check to see if your Recreational Vehicle Insurance is up to date. Don’t think that your automobile or homeowners insurance will cover your personal property, or injuries that happen in your RV. They won’t.
Stop or forward your mail. Stop the newspaper delivery and let your neighbors know how long you’ll be gone. Leave a contact phone number with a few people that live close to you in case of emergency. Ask someone to check on your home. You may want someone to go inside if you’re going to be gone for a long while, to do a good look over of your home plumbing, appliances, electricity, etc. If you have a neighborhood watch, let them know about your travel plans too.
Have a wonderful trip this summer in your RV! Knowing you have recreational vehicle insurance will help you feel secure while you’re on the road and hooked up at the campground.
One of the easiest ways of being safe in your vehicle is to simply wrap that seat belt around you and insert into the buckle by your seat until you hear the click. How many times have you heard or read a news story where someone has said, They are alive because they wore their seat belt. Just that statement alone should have you thinking, Why would you Not wear your seat belt?
Wearing your seat belt can be the difference between major injury, being paralyzed or death. The alternatives to not wearing your seat belt far out weigh the reasons you should.
The first seat belts were placed in American cars in the 1900s to keep people in the car on rough roads rather than to protect them in wrecks. Seat Belts were in race cars in the 1920s and finally in a some cars on the open market in 1950. In 1966, the Highway Safety Act and the National Traffic and Motor Vehicle Safety Act were passed and the auto industry was regulated. Seat belts were on their way to becoming standard equipment.
So Really, What does that Seat Belt Do For You?
* Preventing you from being thrown from the vehicle in a roll over or heavy impact.
* Minimizing impact with your passenger and the dash board or windshield.
* Decreasing the time it takes someone to come to a stop upon impact by retraining you.
* Most important Seat Belts Save Lives!
Seat Belts are not just for the driver but for everyone in your vehicle, including your children.
See article for Child Safety Here
Buckling on a seat belt is easy, life saving and the law! Take those few seconds and make it a habit to have you and everyone in your vehicle buckle up before you turn the key.
Call us today to get your insurance 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.
Florida is surrounded by water from the top border of Georgia to the tip of Key West. Not only do we have oceans on each side of us, but various lakes, canals, water parks and swimming pools within our state. Every child should know how to swim or be attended at all times when near water.
How many times have you heard a story of a child drowning and the person says they just stepped away from the pool for a couple minutes? What a tragedy that can be and must be avoided.
Here are some tips to follow:
Watch the child or children that are swimming actively no matter what size pool or waterways such as the ocean, canals or lakes.
If you are with a friend or a group of people it is easy to get distracted with a phone call or conversation. Pick one or two people to be in charge of the kids. It only takes a couple of minutes for a child to drown and in less water then you would think. If your child is not supervised, you may not hear them slip into a pool and they can lose consciousness in less then 2 minutes.
Child proof your pool area – In Florida its the law.
Keep access to your pool area restricted at all times if you have a small child. Put a childproof lock on the door/doors leading out to the pool area or a fenced in area around the pool. A slide over lock at the top of the door that they cannot reach.
If you have a pool with a fence around it, have self closing gates and a lock for those gates. I know of a hotel that added a fence around their pool with the lever to open the gates way at the top and out of reach of little hands.
Pool Alarm- In case a child falls in, you are alerted – See this article from Pooladvisers.
Pool Covers – When choosing a pool cover make sure it is professionally fitted to your pool. A flimsy cover is worse then no cover at all. If a child falls in they can get trapped or be harder to get out of the water.
Swimming lessons – According to the American Academy of Pediatrics “Parents should consider swimming lessons for most children between ages 1 and 4,” This does not mean that you should not supervise your children, or not child proof your pool. This is an important measure to prevent drowning as are the others, even children with advanced swimming skills can still drown.
The American Red Cross offers classes for swimming just enter your zipcode to see what is available for your area. .
The YMCA also offers swimming lessons and water safety – Go Here for that information and scroll to the bottom of the ariticle to enter your zipcode for a YMCA near you.
CPR – is crucial to attempting to save a life of a drowning victim. Contact the American Heart Association for a class near you.
Water wings and inflatable water gear – While these are fun for kids and helps keep them afloat, they are not dependable because they can easily lose air. Check out the recommendations for the best waster safety products from Safety.com
If you are in a situation where a child has drowned and stopped breathing, call 911. You only have a very small amount of time for resuscitation and again CPR is crucial at this time.
For more information on preventing drowning please visit – Waterprooffl.com
Are you getting away this Memorial Day weekend? According to AAA auto club more people will travel this weekend then in the past 12 years and “39.3 million U.S. travelers are expected to take to the road, skies, rails and water, according to their forecast released Wednesday.
If you are one of those 39.3 million traveling on the road, here are a few tips:
Drivers should be well rested and alert, use their seat belts, observe speed limits and follow the rules of the road. If someone is planning on drinking alcohol, they should designate a driver who won’t be drinking.
• Drivers should give their full attention to the road.
• Avoid distractions such as cell phones.
• Leave ample room when behind other vehicles.
• Use caution in work zones.
• Make frequent stops when traveling long distances.
• Clean the vehicle’s lights and windows, especially at night.
• Turn the headlights on as dusk approaches, or during inclement weather.
• Use high beams on rural roads unless approaching or following a vehicle.
• Refill the vehicle’s gas tank before it gets too low. If there is trouble with the car, pull as far as possible off the road.
PREPARE FOR THE UNEXPECTED
Travelers should pay attention to the weather forecast for their destination.
Travel and weather web sites can help them avoid storms and other regional challenges that could impact their safety. To be ready for unexpected problems:
• Carry an Emergency Preparedness Kit in the trunk.
• Pack high protein snacks, water, first aid kit, flashlight, a small battery-operated radio, an emergency contact card with names and phone numbers, extra prescription medications and important documents or information that may be needed.
• Travelers should let someone know their destination, route, and expected arrival time. If you get stuck along the way, help can be sent along the predetermined route.
If someone is traveling with a pet, here are some tips to make their trip more enjoyable right here.
Have a safe and very enjoyable Memorial Day Weekend