What NOT to do if a hurricane hits!

The list for preparing for a hurricane or major storm is pretty obvious: Stock up on water, batteries, candles and non-perishable foods and things like that.

The list of what NOT to do also can be pretty lengthy. FLORIDA TODAY talked to emergency management officials and reviewed safety lists.

This list of no-nos will make things easier on you, your family and first responders.

Don’t:

  • Use a charcoal grill in the house, or even the garage really. There’s always a case or two of people doing this and succumbing to carbon monoxide (CO) poisoning. Same thing goes with gas-powered generators. Speaking about generators, don’t connect them directly to your home’s electric system. It can electrify lines outside and endanger neighbors and utility workers.

Image result for dont grill inside house

  • Go joy/thrill walking or driving in a storm. It’s not only dangerous because of flooding and flying debris but it could force emergency management folks to pull away from other duties.
  • Visit the emergency room at hospitals for minor injuries. They’re likely to be crowded as it is with serious injuries. Your cut finger or scrape can probably wait. You know if something’s really serious or not.
  • Mess around with any downed power lines. Get the heck away and notify law enforcement or the utility company.

Image result for messing with downed power lines

  • Drain an in-ground pool. The water table can rise from the rain and force the pool up, perhaps out of the ground.
  • Be careless using candles for light if the power goes off. The danger of fire is greater with flames and burning wax.
  • Approach animals wandering after the storm. Even docile pets can be unnerved by a storm and could bite.

Image result for scared raccoons

  • Stay in your residence after an evacuation is ordered. Rescue workers will not try to reach you at the height of the storm.
  • Bring guns, alcohol or pets to a public shelter. And on that note, it’s probably best no to over-indulge with alcohol or whatever. You’ll want to keep your faculties about you as you deal with the storm and its aftermath.
  • Lose your cool. Stores will be crowded with people buying goods and gas lines are likely to be long. People will be stressed and tempers will be short.
  • Venture into the ocean or lagoon. There’s always a danger junkie or two that wants to challenge Mother Nature’s fury in the water. Those are battles you rarely win.

Last but not least– don’t wait to give us a call @ 863. 965.7362 if your home or business have suffered damage due to the storm!  You can also visit our website here, comment below or email us at customerservice@cflbuild.com.

14 Things Your Home Insurance Wont Cover

You may think home insurance protects you from any damage to your home, but there are many hazards a standard homeowners policy doesn’t cover. 

 

Below are 14 especially noteworthy examples to take into account when weighing coverage options.

1. Burst water pipes
Most standard homeowner’s policies cover water damage caused by pipes bursting in your home. However, costs related to replacing or repairing them may not be.

Also, if water pipes burst because of negligence, it’s possible your claim will be denied. Prevent frozen pipes by completing the following, before winter sets in:

  • Drain water from your swimming pool and water sprinkler supply lines
  • Remove, drain, and store hoses used outdoors
  • Check around the home for areas where water lines are in unheated areas. All water pipes in these areas should be insulated.
  • Consider installing specific products made to insulate water pipes
  • Use newspaper as a low cost option for insulation. Even ¼” of newspaper can provide major protection.

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2. Injuries caused by certain kinds of dogs
When it comes to homeowners insurance, all dogs are not treated equally. Some insurers won’t cover injuries caused by certain “high risk” breeds–Even if the liability components of their policies otherwise protect against pet-related afflictions.

3. Earthquakes
Earthquakes aren’t covered by standard homeowner’s insurance policies. If you want that coverage, you’ll need to purchase a separate policy.

“Washington and Nevada are great examples of states highly prone to these natural disasters. Not many homeowners are aware that earthquakes are covered on separate policies,” says Scott Kipper. He’s the Commissioner of the Nevada Division of Insurance.

4. Emotional support
Unexpected trauma often leads to a need for psychological counseling. Especially when that damage occurs to one’s home.

Unfortunately, homeowners insurance usually doesn’t reimburse policyholders for this kind of support.

5. Flooding
Most homeowner’s policies don’t cover damage or other losses caused by flooding. In fact, “floods are excluded on almost every homeowners policy,” according to Kipper.

Hackett suggests that, “depending on their geographic location, property owners should consider buying optional coverage.” The most common is from the federal government’s National Flood Insurance Program.

6. Mold
This is a tricky one. Some homeowner’s insurance covers mold. However, there’s usually some kind of catch.

For example, they may pay for the cleanup of mold that was caused by a pipe that burst. But if the pipe burst due to your lack of maintenance, your claim could be rejected.

Also, even if the claim is accepted, it’ll probably be capped at a lower dollar amount. Meaning more out of pocket costs for your repairs.

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7. Nuclear accidents
About three million people in the United States live within 10 miles of an operating nuclear power plant. This is according to the Federal Emergency Management Agency.

If you live within 10 miles, are you covered by an accident? Bad news, you aren’t covered.

Good news, the Price-Anderson Act passed in 1957, protects you.

8. Sewer backups
Damage caused by sewage system backups isn’t addressed by homeowners insurance. Cleaning up and restoring a basement that’s been hit by this type of incident is expensive. It can cause repairs anywhere from $5,000 to more than $25,000.

You should be able to buy additional coverage or a separate policy for this issue. If you’d like more information, use our homeowner’s insurance quote request form to get the best rates from top companies.

9. Simultaneous catastrophes
A hurricane can cause two perils at the same time, wind and flooding. While wind damage may be covered, damage from water isn’t.

Fortunately, extra coverage is available. Check with your agent.

10. Sinkholes
These geological features fall into the same category as earthquakes and floods. Don’t count on your insurance provider to cover losses resulting from a sinkhole.

Florida and Tennessee are the exceptions. Most standard homeowner’s policies in Florida reimburse for “catastrophic ground cover collapse”.

11. Termite damage
Termites may be small, but they can do a lot of damage. It’s worse when they go unnoticed for some time.

Even worse, the devastation is unlikely to earn an insurance company’s sympathies. Most homeowners policies don’t protect against damage and destruction caused by termites.

Keep on top of them by using a pest control company on a regular basis.

12. Terrorist acts
There are a few events and incidents that the insurance industry has declared “fundamentally uninsurable”. Terrorist acts—events involving the use of biological, chemical, nuclear, or radioactive weapons–are one of them.

uh-oh

13. Trampolines
Most insurance companies don’t look at trampolines as harmless pieces of play equipment. Trampolines are responsible for a surprising number of emergency room visits each year.

As such, many providers won’t cover trampoline-related injuries. And some will withhold coverage entirely if you have one on your property.

14.War
Just as acts of terror have been declared uninsurable events, so too have acts of war. If some sort of biological, chemical, or radiological attack damages your house, your homeowner’s policy won’t help.

For more information on who we are and what we do or to request an estimate you can visit our website here, comment below, give us a call at 863.965.5676 or send us an email at customerservice@cflbuild.com today!

It’s Peak Hurricane Season, Are You Prepared?

Coming into the 2016 hurricane season the sunshine state has certainly lived up to it’s nickname, going a record 10 years without a hurricane of category 3 or higher making land fall.

Last year’s Atlantic hurricane season was quieter than what is typical. In fact, the last major hurricane to hit Florida was Hurricane Wilma in October 2005. But this may be the year that breaks the streak, as experts are predicting an average or above-average number of hurricanes in 2016.

Hurricane Winds

Here at Central Florida Building & Renovation, we’re committed to helping your family prepare for and weather this upcoming Hurricane season. August-November is peak hurricane season and we want you to be prepared. Here’s our top 3 tips for protecting your home and family:

1.Gather as much information before as possible. Find out if you live in an evacuation area. Be sure to access your risks and know your home’s vulnerability to storm surge, flooding and wind. You can contact your local National Weather Service office and local government/emergency management office to find out more information on what type of emergencies could occur and how to respond. Also be sure to keep a list of contact information for reference. Be sure to include:

  • Emergency Management Offices
  • County Law Enforcement
  • County Public Safety Fire/Rescue
  • State, County and City Government
  • Local Hospitals
  • Local Utilities
  • Local American Red Cross
  • Local TV Stations/ Radio Stations
  • Your Property Insurance Agent

2.Plan & Take Action. Everyone needs to be prepared for the unexpected. Your friends and family may not be together when disaster strikes. How will you find eachother? Will you know if your children or parents or safe? You may have to evacuate or be confined to your home. What will you do if water, gas, electricity or phone services are shut off? Be sure to put together a basic disaster supply kit and consider placing them in storage locations for different situations. Help your friends, family and community members do the same. Then you need to develop and document your plans for your specific risks, by creating a Family Emergency Plan. Be sure to include locations away from home. Business owners should create Workplace Plans and make sure that schools and daycares have School Emergency Plans as well. Pet owners should also have plans to care for their animals. The centers for Disease Control & Prevention offer information on animal health impacts in evacuations shelters. If you are on or near the water, prepare your boat and be aware of marine safety.

Hurricane Evacuation Route

3.Be prepared for Evacuation and Recovery. Follow guidelines to guard your community’s health and protect the environment during and after a storm. Be sure to review the Centers for Disease Control’s (CDC) health considerations before, during and after a storm. Remember to follow the U.S. Food & Drug Administration’s (FDA) food and water safety guidelines during disasters and review the Environmental Protection Agency (EPA) suggestions for health and environmental safety in disaster preparedness. Also review FEMA Evacuation Guidelines to allow for enough time to pack and inform friends and family if you need to leave your home. FOLLOW instructions issued by local officials. Leave immediately if ordered! Consider your protection options to decide whether to stay or evacuate your home if you are not ordered to do so. When waiting out a storm, be careful, the danger may not be over yet… Be alert for :

  • Tornadoes- They are often spawned by hurricanes.
  • The calm “eye” of the storm- it may seem like the storm is over, but after the eye passes the winds will change direction and quickly return to hurricane force.

Would you like to find out more about how we can help you prepare your home for peak hurricane season? You can visit our website here, comment below, give us a call at 863.965.5676 or send us an email at customerservice@cflbuild.com today!