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Hurricane Preparedness Facts from Tower Hill

It’s that time of year, Hurricane Season, and our friends at Tower Hill put together this great infographic to help make sure we are prepared.

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Do you have flood insurance? Top 10 US Metro Areas at Risk for Hurricane Storm Surge Damage by Corelogic

Top 10 US Metro AReas at Risk for Hurricane Storm Damage10.  Naples, FL – 177, 651 total properties potentially affected.  Reconstruction value – $41,259,312,520

9.   Philadephia, PA – 213,668 potential properties affected.   Reconstruction value – $42,204,432,570

8.   Houston, TX – 216,880 potential properties affected.   Reconstruction value – $41,903,647,756

7.   Bradenton, FL – 227,821 potential properties affected.   Recon value – $42,955,130,837

6.   Cape Coral, FL – 299,508 potential properties affected.   Reconstruction value – $60,430,683,073

5.  New Orleans, LA – 381,149 potential properties affected.   Reconstruction value – $85,679,653,561

4.  Virginia Beach, VA – 394,705 potential properties affected.  Reconstruction value – $87,178,838,156

3.  Tampa, FL – 444,765 potential properties affected.   Reconstruction value – $79,149,326,645

2.   Miami, FL – 562,410 potential properties affected.   Reconstruction value – $103,160,570,812

1.   New York, New York – 687,412 potential properties affected.   Reconstruction value – $251,038,846,466

Have you reviewed your homeowners policy and do you have flood insurance?

 

Hurricane Preparedness Week

Basic Hurricane Information

“Hurricane Season” extends from June 1 – November 30, although hurricanes have occurred outside of this time frame. Because Florida has not been impacted by a major hurricane for 8 years, it’s easy to become complacent and choose not to prepare for a potentially catastrophic event.

The Saffir-Simpson Hurricane Wind Scale rates hurricanes on a scale of Category 1-5, based on the maximum sustained wind speed. The higher the Category the greater the hurricane’s potential for property damage. Category 1 & 2 storms are dangerous and require preventative measures. Hurricanes reaching Category 3 & higher are considered major hurricanes because of their potential for significant damage and loss of life.  Have you reviewed your homeowners insurance lately?  Do you have flood insurance?

Category

Sustained   Winds

     Type of Damage Due to Hurricane Winds

1

74-95 mph
64-82 kt /
119-153 km/h

  1.   Very dangerous winds will produce   some damage
  2.   Well-constructed frame homes could   have damage to roof, shingles, vinyl siding and gutters.
  3.   Large tree branches will snap and   shallowly rooted trees may be toppled.
  4.   Extensive damage to power lines   and poles likely will result in power outages that could last a few to   several days.

2

96-110 mph
83-95 kt /
154-177 km/h

  1.   Extremely dangerous winds will cause extensive damage
  2.   Well-constructed frame homes could sustain major roof and siding damage.
  3.   Many shallowly rooted trees will be snapped or uprooted and block numerous roads.
  4.   Near-total power loss is expected with outages that could last from several days to weeks.

3

111-129 mph
96-112 kt
178-208 km/h

  1.   Devastating damage will occur
  2.   Well-built framed homes may incur major damage or removal of roof decking and gable ends.
  3.   Many trees will be snapped or uprooted, blocking numerous roads.
  4.   Electricity and water will be unavailable for several days to weeks after the storm passes.

4

130-156 mph
113-136 kt
209-251 km/h

  1.   Catastrophic damage will occur
  2.   Well-built framed homes can sustain severe damage with loss of most of the roof structure and/or some           exterior walls.
  3.   Most trees will be snapped or uprooted and power poles downed.
  4.   Fallen trees and power poles will isolate residential areas.
  5.   Power outages will last weeks to possibly months.
  6.   Most of the area will be uninhabitable for weeks or months.

5

157+ mph
137+ kt
252+ km/h

  1.   Catastrophic damage will occur
  2.   A high percentage of framed homes will be destroyed, with total roof failure and wall collapse.
  3.   Fallen trees and power poles will isolate residential areas.
  4.   Power outages will last for weeks to possibly months.
  5.   Most of the area will be uninhabitable for weeks or months.

Hurricane Season begins June 1 and ends November 30. Are you prepared?

Flood

 

Remember, most homeowners insurance does not cover floods, and there is
typically a 30-day wait before a policy goes into effect.

If you already have a flood policy, be sure to renew it each year to remain financially protected
against costly flood damage.

Flooding is the most common and costly natural disaster in the U.S.

 

 

 

 

 

Congratulations to Alex and her band of elves.

Congratulations to Alex and her band of elves.  They celebrated the Holidays in style with Santa.  They will be heading to AMC Theaters with a $50 gift card.

Congratulations to Alex and her band of elves. They celebrated the Holidays in style with Santa. They will be heading to AMC Theaters with a $50 gift card.

First Annual Festive Decorating Contest

How Dance Ferrentino shows their holiday spirit

How Dance Ferrentino shows their holiday spirit

When it is 80 degrees outside how do you show your holiday spirit? Send photos of your holiday decorations, preparations and traditions to contest@danceferrentino.com. Include your name, address and …phone number. Get your family and friends to vote for your photo by liking it. The pic with the most likes will win a Family Fun Pack for AMC Theaters. Oh, and don’t forget to like our page!This contest is open to residents of Florida. It is not open to employees of Dance Ferrentino Insurance and Financial, Inc. The lucky winner will be announced the week of January 6, 2014.

And the winner is…

Congratulations, Nala!

You are the winner of our First Annual Halloween Pet Costume Contest!

Nala’s family, The Potters, won a $25 gift card to Petsmart and a $25 donation was made to the Humane Society of Tampa.

Thank you everyone who participated.  Good luck next year!

Halloween Pet Costume Contest

Halloween Pet Costume Contest

Join Dance Ferrentino in celebrating our best friends…our pets.

Like us on Facebook and submit a photo of your pet dressed in a costume via email to contest@danceferrentino.com.

Please include with your submission your full name, address, phone number, email address and your pet’s name.  All submissions received via email and approved will be posted on Facebook.  Employees of Dance Ferrentino and their immediate family members are ineligible for the contest, however are encouraged to submit photos of their pets.  All entries must be received by 5pm on October 31, 2013.  The winner will be announced the week of November 1, 2013.

$50 will be awarded as follows:  A $25 gift card to Petsmart to the lucky winner and a $25 donation to the Humane Society of Tampa Bay.

Happy Halloween!

Attention Citizens Policyholders – Important Policy Changes

 

 Attention Citizens Policyholders:  Important Homeowners/Dwelling Fire Policy Changes

We want to keep you informed of significant policy changes to your Citizens homeowners/dwelling fire policy.  We have compiled an abbreviated version of the changes Citizens is making to your policy.  Additional changes will be explained in detail in the Notice of Change in Policy Terms that are included in your renewal offer. 

Please read the Notice of Change in Policy Terms carefully.  We may have other renewal options for you.

 

1. Citizens is no longer providing coverage for:
  • Aluminum carports
  • Screen enclosures
  • Patios and awnings
  • Tiki huts
  • Gazebos
  • Cabanas
  • Pergolas
  • Or similar structures

**If you currently have any of these structures and you renew(ed) with Citizens, this coverage will be/was automatically terminated.  No buyback is available.

2. Citizens is lowering the maximum limit available for:

  • Personal Liability Coverage – reduced from $300,000 to $100,000.
  • Mold Coverage – reduced from $25,000 to $10,000.

3. Citizens is reducing Other Structures and Personal Property coverage:

  • Coverage B – Other Structures – is decreasing from 10% to 2% of Coverage A

For example, if you have your home insured for $200,000 (Coverage A) your coverage for other structures would decrease from $20,000 to $4,000.  Please contact us to buy back this coverage.

  • Coverage C – Personal Property – is decreasing from 50% to 25% of Coverage A

For example, if you have your home insured for $200,000 (Coverage A) your coverage for your personal property would decrease from $100,000 to $50,000.  Please contact us to buy back this coverage.

 4. If you currently have Sinkhole Loss Coverage, a mandatory 10% Sinkhole Loss deductible will be applied if you renew your policy.  No buy back is available.

**This is a just a partial list of coverage changes.  These coverage changes are significant.  Please contact us with any questions.**

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