27 S Kirkman Rd Orlando, FL 32811   p: (407) 290-6262   f: (407) 290-6201  e: info@allsafeins.com   w: www.allsafeins.com

Summer 2010  

Summer Fun for the Whole Family

It's time for summer sun and fun!  Enjoy seasonal indoor and outdoor activities, staying safe, and preventing summer brain drain. As the economic climate continues to worsen and the cost of gas and food continue to sky rocket, entertainment activities are being pushed aside, but they don't have to be eliminated. It may take some extra effort, but there are plenty of inexpensive ways to have fun and stay within a budget.

How to Have Cheap Summer Family Fun 

Go to the park where there is plenty of free fun. Almost every town in America has a park with play ground equipment, open fields and picnic areas. Pack a lunch, take a baseball, football or Frisbee and head out to the local park. Run, play, hike, eat, laugh and enjoy the outdoors without spending a lot of money.

LARPCreate a scavenger hunt. Invite the friends and family and seek out different treasures that both children and adults can find together. Use such items as pine cones, feathers, white rocks and other things found in nature.

Play baseball, wiffle ball or softball. These are sports that anyone can play and offer hours of fun. Gather up two teams and head out to the local ball diamond.

Go to a museum. Like parks many towns have historical sites or museums and most are free or relatively inexpensive to visit. Find a local visitor's bureau and ask for a list of historical sites. Then before going out, research the sites and learn what makes them important in history. Take a stay-at-home vacation (write for tourist brochures -- plan each day as if you would a vacation that you went away on -- get up early, pack a lunch, take in as many sites as you can).

Head out to the swimming pool. Most public pools are inexpensive and provide hours of cool, refreshing run. For a change, head over to neighboring town's pool, creating a new environment for the kids

Don't forget the library, the fact is the library can offer hours of fun. Also, look through the community section of the local newspaper for free concerts, festivals and other family fun activities.

Discover the joy of nature walks. Take along hand-held magnifying glasses and/or binoculars. Blow bubbles out in the yard. Chasing them is fun, too. 

Organize some group activities: Family Olympics (with several other families), Kids' Backyard Sleepover, Progressive Dinner, and a Stargazing Night. Kick the Can and Sardines are both classic games that need a lot of people and a lot of space to produce maximum fun. Have the kids make up fliers or posters with finger-paints--naming the date, time, and gathering place--then send them out to friends and neighbors to round up the troops.

Play old card games (the games are new to your children!). 

Give your kids their own small section of the garden to plant whatever they want: flowers, vegetables. Make gardening a family event. 

Go Retro: How about a hula hoop contest, jacks tournament, or friendly game of hopscotch on the front sidewalk? Think back on things that you have fond memories of from your own childhood that you can recreate with your own children: catching fireflies, fishing, hay rides, swinging on rope swings, building tree houses, picking wildflowers, making ice cream, playing checkers. 

Go to a Farmer's Market. 

sprinklerHave a water fight or run through the sprinkler (or just spray your kids with a hose while they run through the yard). Make the activity more exciting by playing this version of freeze tag: Have the kids dance in the water to their favorite tunes; when the music stops the kids have to freeze; if they move before the music starts again, they're out--even if the water was spraying them in the face.

Make "Baggy Bugs." Place a graham cracker in a plastic baggy, seal it shut, and crush the crackers into fine sand using a large spoon. Add a few raisins to the bag and have the kids dig for bugs in the sand. Experiment with other tasty critters--dried cranberry "ladybugs," carob chip "ants," and fruit snack "worms." 

Invite the neighbors over for a movie night. Put a television on the patio. Pop popcorn and serve soft drinks. 

Gaze at the stars. On a clear, warm evening, take blankets outside and gaze at the beautiful night sky. Thank God for His beautiful creation.

Use your family time to help others. Spend time in a soup kitchen, pick up litter,  plant trees or back cookies together, sell them and donate the money to a charity.

Have everyone write down a few ideas for family fun and and throw them in a hat. Take turns picking an idea from the hat each week. Allow your kids to pick things they enjoy doing. Don't edit anyone's choices for things to do.

Check out websites for additional ideas. Here are a few:  kaboose.com, familyfun.go.com, familyeducation.com, familysummerfun.com

The experts say that a family that plays together stays together. Family fun can be a great way to build relationship, strengthen family ties, and just relax and have fun.

This Summer, Get In the Water - and Get Out - Safely!!

A cool swim on a hot day is an American tradition. As temperatures rise, most folks want to get into the the ocean, lake or pool. But water safety is a concern wherever you - and especially your children - venture this summer.

Pools present dangers, particularly for young kids. Each year, some 3,500 deaths - about 10 per day - are caused by drowning. And another 4,000 people are treated at the ER for injuries and trauma related to pool accidents.

Here are the problems that lead to children drowning in pools:

Unprotected pools
Pools must be treated as attractive nuisances, meaning children will want to play in them. Dr. Jonathan Midget of the CPSC, states, "For those brief moments when children elude us, we need layers of protection around our pools. Fences need to isolate the pool from the house; have well-maintained self-closing, self-latching gates; and have back-up layers of protection, like sensors and alarms."

Faulty equipment
Suction outlets in pools and whirlpools are a hazard to catch hair and fingers. Anti-entrapment drain covers must be secured in place.

No rules for the pool
Parents must make safety rules for the pool clear before anyone sets foot inside the pool area.

Poor supervision
The American Academy of Pediatrics has a rule of "touch supervision" with children younger than five years. This requires a supervising adult to be within arms-length of the child at all times. Children can drown in a pool full of people when no one adult is designated to supervise or pay proper attention. At least one adult should take responsibility for watching children around the water. Drownings happen quickly and anyone who owns or uses a pool should consider learning basic first aid and cardio-pulmonary resuscitation (CPR). CPR reduces the likelihood of brain damage while waiting for 911 emergency responders to arrive.

Swim lessons
Learning to swim is not just recreational, but a way to teach children how to save themselves. Even strong swimmers must be supervised. Any homeowner who has any type of pool should have liability insurance coverage, including umbrella liability coverage. Call our agency to identify your exposures and how to reduce them.

Hurricane Season. What can you do?

For homeowners along the east and gulf coasts, June 1st marks the first day of hurricane season. And while some homeowners are particularly more concerned than others- really everyone in these areas should be preparing in the event their home happens to lie in the path of a hurricane large or small this year.

PREPARE!

Preparedness is the key during hurricane season. It's not too late, but the time to get ready is now.

The Atlantic and eastern Pacific hurricane seasons last through November, although it's the Atlantic storms that usually strike the USA. Most eastern Pacific tropical storms spin over the open ocean. Here are some considerations BEFORE a tropical storm or hurricane threatens your area:

Get some of the earliest information on new hurricanes by visiting NASA’s site NASA’s Hurricane Web Page.

Prepare your home With common materials, you can easily protect your home from hurricane-force winds:

  • Windows. The cheapest, most popular method to protect your windows is to cover them with plywood. You should use 5/8-inch-thick marine plywood. If your home is made of concrete block, you'll need to attach masonry anchors to your house to fasten down the plywood. 

If you have more time and money, storm shutters are the best way to protect from damage. Impact-resistant shutters protect from wind-borne objects but also reduce damage from pressure changes that can shatter a window or door.

Laminated systems made of plastic bonded to glass are another option for storm-resistant windows.

  • Smoke Alarms: The U.S. Fire Administration strongly encourages homeowners to check smoke alarms before a hurricane. Put one on each floor of your home, and always have a stash of extra batteries.

  • Doors. Make sure you have a deadbolt and at least three hinges on each door for maximum strength. For garage doors, consider buying a kit at your hardware store to fit them with cross-bracing.

  • Roof. A gabled roof (with a A shape) can take a beating from high winds. Consider bracing the end walls from the inside. If you have shingles, secure them with a quick-setting asphalt bond.

Improve the uplift resistance of your roof deck by applying wood adhesive along the intersection of the roof deck and the roof support element. Hurricane straps can be used to improve the roof-to-wall connection.

Federal weather agencies, including the National Oceanic and Atmospheric Administration, offer advice and instructions on these topics on the Internet.

  • Yard. Be sure trees and shrubs are trimmed and dead limbs removed. Clean your gutters. Bring potted plants inside.

  • Ready  electrical items: Unplug TVs, computers, and other powerful electrical items as the storm approaches to decrease the risk of electrical fires. Use a battery-operated radio to listen to news and weather updates. Turn refrigerators and freezers to highest settings in anticipation of a power outage.

  • Store water: Storing water before a hurricane will allow you to drink, cook, and clean yourself in case the water is shut off after the storm hits. 

  • Put down towels near doors and windows: This list of hurricane dos and don’ts found on Florida’s Broward County Web site suggests putting down towels at the bottom of doorframes leading to the outside and at the base of windows. The towels will absorb any excess water leaking into your home, protecting floors and walls from water damage.

  • Lift up valuables and electrical items off the floor: In case your home does flood, make sure your valuables and electrical items, like computers, have been lifted off the floor to avoid being damaged or swept away.

  • Clear away loose items around windows and doors: Minimize the amount of household items that could instantly be transformed into powerful weapons with the help of hurricane-strength winds.

  • Charge Phones: Charge your cell phone and wireless phone batteries.

  • Take “before” and “after” pictures to aid in any claims.

Rent a safe-deposit box

You can keep copies of important papers at home, but you need a safe place elsewhere for the original documents.

What to store in your safe-deposit box:

  • Birth certificates

  • Passports

  • Marriage licenses, custody papers and other judicial documents

  • Titles and deeds to houses and cars

  • An inventory of your household possessions, with photographs, for insurance purposes

  • All important documents regarding your home and other insurance paperwork

Supplies to go

Keep supplies in an easy-to-carry container in case of an evacuation. Include:

  • Three-day supply of water (1 gallon per person per day)

  • One change of clothing and footwear per person, rain gear, toiletries, blankets

  • A first-aid kit, including prescription medicines

  • Battery-powered flashlight and radio, and extra batteries

  • House and vehicle keys

  • Get Gas – Gas pumps do not work without electricity.

  • Non-perishable food items, water, manual can opener

Prepare your finances

Prepare a financial-evacuation box. Whether a lockbox or a shoe box, use it to store plastic bags containing documents and other things you'll need before leaving home.

What to store:

  • Cash, change or a small amount of traveler's checks. You may need cash because ATMs could shut down during an emergency.

  • Identify where you are seeking refuge and keep directions and emergency contact numbers for doctors, friends and family. Power outages may make them inaccessible.

  • Copies of prescriptions

  • Bank account information and other financial records

  • Copies of insurance policies

  • Copies of deeds, licenses, wills and other important family documents

Have enough insurance

  • Whether you rent or own, get what you need for the area you're in. Remember that homeowner's insurance doesn't cover floods or other disasters.

  • Investigate replacement house options. Some options will finance building your house back to its previous condition, and others will be bound be specific monetary limits.

  • Have replacement-cost insurance for your costly possessions. Most coverage will pay only for the depreciated value of your things. You won't be compensated for the price of replacing them.

  • Make sure you read your policy and know what is covered. Though this can be tedious, it's much better than finding out what you have after a disaster.

Make provisions to store recreational vehicles (RV), boats, ATV's, etc.

Check on Neighbors: Check on your neighbors—especially the elderly and those with special needs.

Notify Others of Your Plans: Have an out-of-state friend as a family contact, so all family members have a single point of contact. Notify this contact and other family members and friends of your plans.

Plan For Your Pet: Specialized pet shelters, pet-friendly hotels, veterinary clinics and friends and relatives out of harm’s way are ALL potential refuges for your pet during a disaster.

Keeping Safe In The Storm’s Aftermath

After the storm.

After the storm, you may have to wait a few days before help arrives. Here are some considerations AFTER a tropical storm or hurricane threatens your area:

  • Evaluate you and your family's health and safety, check for any injuries. Do not move any seriously injured persons unless absolutely necessary. Call for help if you are able to do so.

  • Do not overwork yourself, set safety standards for yourself and rest often.

  • Boil water for one minute, to sanitize it in case your city’s water supply was contaminated due to the hurricane. If advised, boil water used for drinking, cooking, brushing teeth, making ice and washing hands. Young infants and pregnant women should use bottled or stored water instead of boiled tap water whenever possible for drinking and cooking. 

  • If you cannot boil the water, disinfect the water by adding plain household bleach (which is 4 - 6 percent chlorine) using a quarter of a teaspoon, or 16 drops, of bleach per gallon, shake and let stand for 30 minutes. NB: Boiling water concentrates any levels of nitrates that may be present in the water.

  • Drink plenty of clean water, eat well. Use good personal hygiene

  • Be aware of your surroundings, roads may be washed out, power lines may be down, water system may be contaminated, natural gas and propane gas leaks, chemical spills and deceased animals.

  • Guard against spoiled food. When in doubt, throw it out.

  • Do not drive unless it is an emergency. If the power is out, traffic lights will not be working, stop signs and street signs may have blown away. Streets will be littered with debris. Washouts may have weakened road and bridge structures.

  • Take precautions to prevent fires. Lowered water pressure in city mains and the interruption of other services will make firefighting difficult after a hurricane.

  • Protect property from further damage. Plastic sheeting, plywood, lumber or other materials can be used to seal or protect property that has been exposed by the storm. Make temporary repairs that won’t endanger your safety.

  • Notify insurance representatives of any losses.

  • Hurricane Recovery Resources - HUD: This division of the U.S. Department of Housing and Urban Development will direct you to information on recovering from destructive hurricanes.

  • National Hurricane Center: The National Weather Services’ hurricane center is full of valuable links and resources for the most detailed weather forecasts.

  • IRS Help for Hurricane Relief: This link will direct you to the IRS page especially for hurricane victims. Learn about tax relief and more.

  • Red Cross: Read more hurricane preparedness ideas for protecting your home and family — before and after a hurricane.

  • National Weather Service: Track hurricane developments in your area with the help of the National Weather Service.

Summer insurance: what you'll need

If you're buying a new toy or renting cars, watercraft and homes, you should consider your summer insurance needs before setting off on vacation.

Vacation rentals

If you're renting a house, a lot of people have the misconception that they don't have to worry about insurance.

The homeowner will have insurance that covers the structure,. Your homeowners insurance should cover your possessions. But most people who rent a primary residence don't have renters insurance and need to consider buying it if they plan a summer home rental

Boats

If the boat is smaller, like a runabout or a small Sunfish, insurance would not be a problem.

Homeowners insurance and renters insurance provide limited coverage for property damage for canoes and small sailboats or powerboats with less than 25 horsepower, according to the Insurance Information Institute. Coverage is usually about $1,000, or 10 percent of the home's property value, and generally includes the boat, motor and trailer. Liability coverage can be added as an endorsement to a homeowner's policy.

Boats that are 26 feet or longer or more than 50 horsepower require separate boat insurance, Wilson says. Agents and companies are going to look at the size, type, value, use of the craft and your experience operating a boat when setting a premium.

Boat insurance includes bodily injury, property damage (caused to someone else's property), guest passenger liability, medical payments and theft. Typical policies include deductibles of $250 for property damage, $500 for theft and $1,000 for medical payments, according to the Insurance Information Institute. The typical deductible is 1 percent of the insured value.

Personal watercraft

A personal watercraft such as a Jet Ski or WaveRunner also isn't covered by your homeowners or renters insurance. It's the same as with larger boats. Liability limits range from $15,000 to $300,000, according to the Insurance Information Institute.

Probably the items with the biggest risk are personal watercraft. As a result, he advises against putting lesser liability coverage on them because there's the potential for accidents.

If you're renting a Jet Ski or other watercraft, you typically have to rely on the owner's insurance.

Motorcycles

Most states require motorcycle owners to carry a minimum amount of liability insurance to cover the bodily injury and property damage that you might cause in an accident. But it does not cover you or your motorcycle.

If you buy motorcycle insurance, the size of the premium depends on several factors, including your age and driving record; where you live; and the motorcycle model, style and age. Other factors are the number of miles the motorcycle is driven annually and where it is stored, according to the Insurance Information Institute.

First-party medical coverage reimburses you for your injuries, but  the coverage is typically not enough to cover serious injuries so you'll need to rely on your health insurance.

Collision, comprehensive (covering damage caused by events other than a collision such as fire, theft or vandalism) and uninsured/underinsured motorist coverage also are an option, according to the Insurance Information Institute.

Don't expect to find coverage for motorcycle rentals, which is not included in a homeowners or automobile policy.

Motor homes

These often-luxurious vehicles require different types of coverage, depending on their use.

Vacation liability insurance, like the name implies, pays specified limits for bodily injury and property damage if an accident occurs while a motor home is used as a temporary vacation residence.

A "full timer's policy" -- similar to homeowners insurance -- is required if the motor home is being used as a primary residence. It includes personal liability, medical payments for others, loss assessment and storage shed contents.

There is a form of comprehensive and collision coverage for your motor home that's similar to auto insurance. It includes $750 of emergency expense coverage. Emergency expenses include specified limits for a hotel or other temporary quarters and transportation expenses. These expenses also encompass the cost of returning the RV if it becomes disabled (due to a covered loss) more than 50 miles away from the insured's primary residence, according to the Insurance Information Institute.

Those who use a motor home as a vacation residence can buy additional coverage -- usually $2,000 to $3,000. Those using it as a full-time residence can get additional coverage -- usually $7,500 to $10,000.

It's kind of like a home and an auto.

We also provide Commercial Insurance

Insurance is our passion and we will help you understand the sometimes complex intricacies of business insurance and the scope of protection you are buying.  We work with you to provide a personalized insurance program tailored to meet your individual needs.  Because we use several top quality companies, we are able to offer you the best portfolio of coverage's in the most cost effective manner.  Let our commercial insurance professionals work with you to provide a comprehensive program for all your business insurance needs.

We are dedicated to providing the most innovative, value-added insurance program for our corporate clients. Call us today and we will put together a comprehensive free quote for you (407) 290-6262.

Delivering enhanced insurance value is a coordinated effort including:

  • Experienced commercial account executives handling the accounts

  • Access to numerous commercial lines insurance companies

  • We have a broker's license and can write surplus lines through numerous surplus lines brokers

We'll be happy to help!

We're ready to handle your insurance for Autos, Homes, Property and Casualty, Boats Commercial, Motorcycles, and all your Umbrellas insurance needs. 

New coverage or changes to existing policies? 

Give us a call. (407) 290-6262

Keep Us Up-to-Date!

Have you recently had a new baby, or a death in the family, perhaps a divorce, or maybe a child has left the nest or did you just buy a new home?

These are all special events in a person’s life that are important for your insurance agent to know about. In order to provide you with sufficient coverage for your evolving needs, we need to know when major events happen in your life.

Protect your life from unexpected financial losses. As insurance agents, we are here to help you keep the best possible coverage at the many different stages in your life. 

We believe it is not enough to merely provide insurance policies but we are continually looking at ways to add value to the risk management service that we provide. We don't just sell insurance…we regularly review, plan, implement changes and manage your insurance program based on the information you provide us. Help us do that by keeping us up-to-date as important changes in your life occur. 

 


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Did You Know

Allsafe Insurance and Financial Services provides Free Notary Services to all current clients and their friends and family.

 Factors that may affect your Auto Insurance premium are: 

  • Age

  • Gender

  • Marital Status

  • Driving Record

  • Previous Insurance Coverage 

  • Credit History 

  • Geographic Location 

  • The Vehicle Type

  • Vehicle Use 

  • Theft protection devices

  • Multiple cars and drivers

 An Educated Consumer is an Empowered Consumer!

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Allsafe Insurance and Financial Services ~ 27 S Kirkman Rd, Orlando, FL 32811
phone: (407) 290-6262 fax: (407) 290-6201 email: info@allsafeins.com web: allsafeins.com
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