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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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


The Top 5 Shade-Loving Plants for Your Garden

ID-100196402Have empty spots in your yard where nothing will grow because of lack of sunlight? From blooming flowers to plants that have beautiful leaves, Craftsy gives you a list of 5 plants you can grow for those shady parts of your yard.

See their article Here

Want to know what grows best in your local area? Visit LocalHarvest.com

You can shop from your local farmers for seeds, food and more.

 

 

 

 

 

Photo Courtesy of foto76 at FreeDigitalPhotos.net


New Years Resolutions Challenge – Inspire Your Goals For 2017

new-year-1925726_640It’s that time of year again, when we reflect on the past year and what we want to change in this brand new year coming up. How many New Years Resolutions do you want to set and how many do you intend on achieving? New goals, can help make this year better like focusing on eating healthier, losing weight, getting more organized or trying something new.

Put yourself to the challenge, don’t give up so easily in the second week of January, because the diet you started on New Years day has gotten old or cleaning out the garage is not quite finished. From being more organized, trying a new craft to saving for those pair of shoes you thought you could only dream of wearing, every day of 2017 can be a day closer to the goals you set for the new year and maybe a few you want to add on to your list.

We have put a board with ten pins to start with on Pinterest to help us visualize our goals called Inspire Me 2017.  There is plenty of inspiration at Pinterest… redecorating, recipes, crafts, travel, reading a new book, hair styles, and so much more.

We find this easier than following a list and checking things off. The photos do the talking.  Take a look at the board and maybe do one of your own. You can make your board private or share it with the world, who knows maybe one of your goals will inspire someone else and make their life better.

 

Happy New Year :}

 

 

 

 

 

 

Photo Courtesy of skeeze  at Pixabay.com


Tips On The Best Coverage for Your Condo Insurance

id-100281073Florida condo owners have insurance that is very different from homeowners and renters insurance. Even though your homeowner association carries insurance for the building, bridges, pools and the area the owners use like the lobby, you would think that you are protected too. Look closely at the sentence though, their policy covers the building, not your condo or your belongings.

Think about your condo unit as a separate entity. You didn’t purchase the building. You purchased your condo unit, so you must protect it and what is inside. You also must protect people that visit your condo unit in case they are injured. That is the reason you must purchase Condominium insurance. Your insurance will also cover damage to the building or common area that you or a visitor cause by accident or by negligence.

Condo insurance is similar to homeowners insurance in that it covers your property, liability for injuries and additional living expenses in case you cannot live in your condo due to a fire, storm damage, etc. Your hotel and meal charges are covered. Take inventory of your belongings and property using photos or video. Save receipts for new items, photograph serial numbers on your electronics and other items. Save the photos or video online and/or give a copy to someone who doesn’t live in your condo building.

When you need assistance choosing what policy is best for your condo insurance, Budget Bi Rite is there for you.

Have Questions?

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 mapichai at FreeDigitalPhotos.net