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