Insurance Scams Hurricane Irma What to look out for

Hurricane Irma caused devastation in Florida and much more along the way. While we are still in recovery mode but at least just about everyone has their electricity back and are finding a way to return to a normal routine that Irma so fiercely disrupted. Once the storm is over its time to access the damages for your home and call your insurance company. Once an agent gives you an assessment of the damages and the money for repairs, your next step is just as important, finding someone to do the repairs.

Be Aware!! There are many scammers out there wanting your insurance money that you worked so hard by making monthly payments for. You want to make sure that the people who are going to repair say your roof does the job they are hired for and it will pass inspection.

See the following helpful articles to avoid being scammed.

Florida officials warn about insurance fraud after Irma

From Article – “If an offer sounds too good to be true, it probably is and could be fraud,” said state Chief Financial Officer Jimmy Patronis. “Opportunistic scammers may attempt to defraud Floridians following Hurricane Irma, and I encourage all Floridians to be vigilant in guarding against fraud. Consumers should report suspicious activity ASAP by calling 1-877-693-5236.”

FEMA warns of fraudsters, scams after Hurricane Irma

From article – “Instances of scams and fraud are common after major natural disasters as opportunists rush to capitalize on dire situations.”

How to protect yourself from hurricane repair scams

Advice from the Better Business Bureau – “If someone shows up at your house unannounced and claims to be an insurance adjuster, do not invite them into your home. Ask for company ID. If they don’t have any, ask them to leave your property and shut the door.” -Katherine Hutt, Better Business Bureau

Please contact us if you have any questions,

Buget Bi Rite Insurance, Inc

863-453-3909

 

 

 

Photo Courtesy of 12019 at Pixabay.com

 

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Why Additional Living Expenses on Homeowners Insurance Coverage is so Important

Should you be faced with a fire, or a devastating storm that destroys your home, you will not be enjoying the comforts of your home and you need to be prepared.

In your homeowners coverage you should not only be protected for your personal belongings but compensated for additional living expenses. While your house is being accessed, you may be in a hotel for a few days, need money for restaurants, clothing and other expenses that may occur.

You do not want to find out after the tragedy of damage or losing your home, that you are lacking coverage. You need to know what your limits or exclusions are ahead of time.

This is where your compensation for additional living expenses comes in. Some insurance companies may give you unlimited help with your expenses and others a percentage of your total homeowners coverage.

Not sure what exactly your coverage is? 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.

We offer home insurance to the following states – Florida, Minnesota, Georgia, Texas, Maryland, South Carolina, North Carolina, Indiana and Pennsylvania.

 

 

 

 

 

 

 

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What You Can Do To Prevent A Child From Drowning

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

 

 

 

 

 

Photo Courtesy of Ben Schonewille at  FreeDigitalPhotos.net


St. Patrick’s Day Corned Beef and Cabbage Recipe With A Bit Of History

id-100313807St. Patrick’s Day, will be celebrated this year on Friday, March 17th 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 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 254th 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 in a restaurant or bar, please remember to drink responsibly. Make sure you have selected a designated driver before you party. Please Don’t Drink and Drive.

Happy St. Patrick’s Day

 

 

 

Photo Courtesy of Rattikankeawpun at FreeDigitalPhotos.net


Super Bowl LI Must Have Party Food Recipes

ID-10032182America loves their football and this Sunday, February 5th, 2017 is the biggest game of the year, the Super Bowl. The New England Patriots and the Atlanta Falcons will play  at the NRG Stadium in Houston Texas. If you cannot be there in person you can enjoy the game on Fox channel (see other options here) and kick off is at 6:30 pm ET.

Where there is a football game there must be great food! For Super Bowl 51 we have searched for the best appetizers and yummy dishes you can conger up. The first on our list is a long time favorite Buffalo Chicken Wings…

Buffalo Chicken Wings – Make them as mild or hot as you like.

and as long as we are in the neighborhood of hot and spicy food here are a few more dishes…

Lara Spencer’s Slow Cooker Buffalo Chicken Dip (easy and so yummy!)

Buffalo Chicken BitesSweetPeasKitchen.com

Jalapeno Poppers with Blue Cheese and Bacon – easy appetizer!

Sweet Hot Baby Back Ribs

Layered Spicy Black Bean Dip

For those that do not want the hot or spicy foods;

Baked Spinach and Artichoke Dip

Asian Slaw Dogs

Sweet and Sour Meatballs

Slow Cooker Chipotle Pulled Pork with Apple Slaw

Game Day Chili – Sunny Anderson Food Network

Butterfinger Rice Krispie TreatsRecipeGirl.com

Football Cupcakes

Southern Sweet Tea

Enjoy the Super Bowl :}

 

 

Photo Courtesy of Idea go at FreeDigitalPhotos.net