Florida Gas Saving Tips 101

Sep 19

florida-auto-insuranceThe prices at our Florida pumps fluctuates more than any other expense you budget for. Unless you’re subjected to long commutes, the stress of ticking numbers from your wallet can decline if you’re simply fuel-savvy.

Trying to balance your budget for commute? Follow these tips to save at the pump and keep your car ready for the road.

  1. Keep tires properly inflated. Tire inflation can save you up to 20 cents per gallon. Check for wear and tear, such as uneven tread or signs of puncture.
  2. Keep the windows closed and run the air conditioning sparingly. Set a comfortable temperature and rotate it from on and off. This is helpful for staying awake during road trips, too.
  3. Avoid driving fast, unless your car has better highway performance. Some vehicles have strong highway mileage. If your vehicle doesn’t, slow down to save.
  4. Service your vehicle. Keep up with routine maintenance: oil changes, brakes, vehicle alignment, etc. This is great for managing costs over time.
  5. Purchase a fuel-efficient vehicle. This investment can cut your overall gas expenses and manage air pollution.
  6. Don’t leave your car in idle. More than minute idling can impact your spending. It takes less fuel to turn your car back on than it does to sit in idle.
  7. Change your air filter. It can impact up to 20 cents per gallon, or save 10 percent of gasoline.
  8. Check your gas cap. A leaky cap could release gasoline that your vehicle should be using. Fumes hurt fuel economy.
  9. Stabilize your pattern. Don’t slam on your breaks or use sudden speed changes. Sudden changes can damage your car’s engine, and cost you up to 60 cents per gallon.
  10. Lighten your load. Don’t carry extensive weight in your vehicle over time. Every 100 pounds can get costly- up to 1-2 percent fuel economy.

 

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Driving Safety Tips

Aug 22

Driving safety is important for your life and your auto insurance. Sometimes road and weather conditions make driving safety a challenge, but essential road knowledge can prepare you for maneuvering any potential threat in your daily commute or extended road trip.

Check your seat belts, doors, and locks. Be secure in your surroundings and you’ll be secure in your safety.

Use your mirrors and reference points to gauge the position of your vehicle. It can be challenging to determine space between your vehicle and objects, so use reference object to help determine what will work best for you.

View all angles of an intersection before entering, focusing on the left and front right zones are clear. Being aware can prevent collision, even if another person isn’t paying attention.

Check your rearview mirror before stepping on the brakes. This prevents the standard fender bender that could arrive from a vehicle unable to slow down in time behind you. Keep four seconds timing between you and the vehicle in front of you to allow appropriate braking space. Never use rolling stops. Always come to a complete stop at lights and stop signs.

Changing lanes? Check both sides of your vehicle through your mirrors and physically turn your head to confirm that no cars are in your blind spots. Utilize your turn signal at least 200 feet before changing lanes.

Make sure your path is clear before pressing down on the gas pedal. This can prevent sudden lurches in speed.

Avoid in-car distractions. Do not eat, text, talk on the phone or drive when tired. Save these things for when not driving, or pull over if there is an emergency.

Are your safety features working? It’s important to have working turn signals, emergency lights, and seat belts. These could be potential distractions from you as a driver, too.

For more tips for safe driving in Florida, please contact Scarr Insurance Group.

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Condo Storm Preparation

Aug 15

New condo residents may be uncertain what to do when stormy Florida weather arrives. What does their association do when natural disasters take place? How can they prepare? Storm preparation and aftermath damage should always be considered before joining a condo association. What will your association do in the event of a disaster?

It’s important to find out what your insurance will cover for damage. What you pay to the association will cover exterior damage to your building, such as damage to the roof, parking area, and any paint damage. Depending on your association, issues such as flooding or damage to a balcony may not be covered. Always clarify potential costs with your insurance agent.

How do you secure your belongings? This depends on the structure of your home. If your condo has levels, always secure your belongings in an elevated area. Condos located in shallow regions may require sand bags to fend off floodwaters.

As a storm is being tracked, it’s best to meet with your fellow residents to discuss options. Should you secure your home with boards? Will there be a disaster prevention fund? Do all residents have access to evacuation? Condo associations will lead discussions of resident options for storm weather.

Ready for the storm? Follow some basic storm preparation tips:
• Photograph your unit’s condition, the lobby, and common areas.
• Have a basic survival kit ready with batteries, a flashlight, toiletries, nonperishable foods, etc.
• Check your deductible and community insurance policy.
• Arrange for a roof inspection.
• Prepare essential paperwork and belongings, and have cash in case of an evacuation.

Condo preparation is just as important as preparing your home. Local hurricane guides offer the best evacuation routes, shelter information, and more. Contact your local government official for more information about your area’s preparations for potential storms.

Storm tips made available by the Sun Sentinel.

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Condo Associations vs. Home Owners’ Associations: What’s the Difference?

Aug 08

Community living, whether in a condo, townhouse, or gated community, involves understanding of your role in the neighborhood. Associations can build camaraderie and add features to your home’s surroundings, but how much involvement would you like community to have with your home?

Your living space can determine which association your community has. Do you have shared access to community-exclusive parks or pools? Are you invited to a meeting regarding a new paint color for your building? How about extended parking?

It’s important to know how condo associations differ (and at times, are similar) from homeowners’ associations. Check out our list of ways condo associations and homeowners’ associations are similar and different.

• Condo associations share ownership of a single property. HOAs own individual properties within an area.
• Condo associations manage aspects of the building’s appearance and structure. HOAs manage shared exterior property, such as a neighborhood pool or watch program.
• Condo owners purchase a unit. HOA members purchase a deed.
• The condo association is responsible for maintaining care of the exterior and shared aspects of the condo, such as parking and plumbing. HOAs only manage common areas, such as that miniature park in the center of the neighborhood.
• Members of HOAs must abide by the community’s standards of appearance for their homes. Condo association members may have less work in this regard, since the association cares for the exterior.
• Both associations require a pay-in from owners to maintain the community.
• Both are a form of a cooperative community, requiring all members to communicate and work toward an agreed living space.

So how do you decide which living option is best for you? Consider the costs of the individual association per community and its impact to your insurance premium. Do you earn any benefits from an HOA versus a condo association? Your insurance agent can discuss your options with you. Scarr Insurance agents are knowledgeable of Florida living options and the impact of joining associations. Talk to one of our agents today to learn what is best for you.

Medicaments like Prednisone ordinarily is used to solve disorders such as severe allergies. It is very slightly soluble in alcohol. Positively most popular is Viagra. What patients talk about Viagra and alcohol? Many doctors know it as Sildenafil. Of course, for a lot of men, bearing up the matter in the first place is the toughest step. Living with erectile disfunction can definitely complicate dating. Varied health conditions can affect the muscles that is needed to have an hard-on. Remember to diagnose a man’s sex problem, the sex therapist likely will begin with a thorough history of symptoms.

Condominium Sinkhole Alert

Aug 01

Condominium Insurance Coverage Changes in Florida

Earlier this year, Citizens Insurance changed their current sinkhole coverage to an endorsement form, which will now allow condominium associations the option whether to retain this insurance coverage or not. Below, please note sections A, B and C explain what the coverage is and how it works, in the event of a claim.

As one can see, it starts with a visible showing of settlement cracks and/or building separation. It includes the costs incurred to stabilize the building and land and repair the foundation.

condo-sinkhole

It is recommend retaining this insurance coverage for several reasons, though savings can be substantial, especially if the association is located in one of the five designated “sinkhole counties,” Pinellas, Hillsborough, Polk, Pasco and Hernando.

The average condominium sinkhole insurance claim is between $200,000-$300,000.

In addition, many lenders still require this insurance coverage and it might be difficult to determine when or what mortgages could be affected. And finally, the Board’s fiduciary responsibility to all the owners should be considered before removing insurance coverage that could have a substantial financial impact.

It should be noted that insurance coverage for catastrophic ground collapse, (ground opens up and building falls in) is not part of the sinkhole endorsement and is automatically covered by law in Florida.

 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

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Condo Association Insurance 101

Jul 25

Property, liability, flood, fidelity bonds… what does all of this mean to you and your new condo? You’ve pick out the gorgeous sky rise in your ideal location. For those less familiar with Condo-ese, there’s our guide to community living and home insurance in Florida.

Highrise Condominium

Unexpected home disasters in a condo community could impact more than just your living space. Condo owners will cover property, but some associations will cover other portions of your dwelling. What you could cover includes:

  • Floor, wall and ceiling coverings
  • Electrical fixtures
  • Appliances
  • Air conditioning and heating equipment
  • Water heaters
  • Water filters
  • Built-in cabinets and countertops
  • Window treatments, including drapes, blinds and hardware replacement
  • Air conditioning compressors that serve only one unit, no matter where they are located

When signing your closing for your new condo, it’s important to keep in mind what your association insurance will cover and budget accordingly. Unit owners could be required to insure portions of their home, such as porches, doors, security, etc.

Your association insurance would typically cover:

  • The bare bones of the structure, such as the walls, stairs, elevators, and roof.
  • All items within unit, excluding the personal property of the tenants.
  • Covers the building fixtures and improvements (such as repaving roads, painting the exterior, etc.)

Why is important to be a part of the insurance of your condo association? As a tenant, it’s important to express your involvement and understanding of your role within the community. Contributing to your condo’s quality and conditions is important for ensuring your home’s aesthetics and insuring in the event of a disaster.

Scarr Insurance knows Florida condo association policies. We’ll discuss the deductible, extent of coverage, cash value versus replacement, and more to provide you an extensive understanding of the association’s policy. Talk to one of our agents today to discuss the opportunities and options for condo living.

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Protecting Your Property with Florida Renter’s Insurance

Jul 18

Your lease is signed and boxes are ready to move in. But once you’re settled, are you sure that your belongings are safe? Apartments, homes, and other rented living situations can provide you housing, but how do you ensure that your belongings are protected in the event of a disaster or theft?

Renter’s insurance provides you with the ability to pay for repairing or replacing your belongings. Most policies will cover:

  • Fire
  • Theft
  • Water damage from internal utilities
  • Lightning
  • Vandalism
  • Wind

Additional expenses can be covered with renter’s insurance. This can include living expenses that could displace you from your home, such as a hotel room to house you during repairs. Liability protection aids in legal costs in the event of a lawsuit between you and your rental agency.

Costs of insurance are surprisingly low. Most premiums run about $10-20 and can be added to your current package for even cheaper. Bundling your auto insurance and housing insurance can drop the cost of your premium. Talk to your agent to see if you can add renter’s insurance to your current package.

How do you best use your insurance? Take a home inventory of your belongings, including items such as your laptop, jewelry, sports equipment, and musical instruments. Always add any new purchases to your list to be certain that your items are all safe. It’s important to keep a record of your belongings in order to assess their value and potential consequences of their loss.

Scarr Insurance is equipped to answer your questions about renter’s insurance. Though not all renters require insurance, it’s best to consider the value of your belongings. Our team can provide you with the optimal policy for your needs.

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Finding the Right Insurance Provider Should Be Stress-Free

Jul 11

findingInsuranceFinding the right insurance requires a balance of cost and quality. Most shoppers jump to searching for the right premium while forsaking the extent of coverage or customer service. Keeping your insurance provider relies on trust. It’s important for your provider to meet your needs as a customer, whether it’s through availability or customizing your premium.

Saving money is valuable, but saving your time is far more important. Lower premiums are a Band Aid for the needs of a customer; they only temporarily help with their needs.Price increases accost for 48 percent of insurance switches according to McKinsey Research, however, it’s customer service that can determine the relationship quality. More than 60 percent of shoppers preferred to use an agent to find the best insurance option: the make or break of a potential relationship. Customer retention involves maintaining the relationship between customer and insurer.

When a claim is filed, it’s important for the insurer to be alert to a customer’s needs. Quick, reliable claim filing builds customer loyalty. Sometimes there are challenges in a claim filing process, but it is up to the insurer to provide service that others cannot match. If customers experience an unsatisfactory claim, it can damage the relationship between insurer and customer, and result seeking service elsewhere. As agents, it’s important for us to help you maintain the best possible relationship.

It’s important to keep a must-haves list for your insurance provider. The agents at Scarr Insurance always keep these in mind when helping select the best provider for you. Here are a few of our suggestions:

  • Service available after sale is quality, quick, and available (and on-site).
  • Insurance group maintains quality relationships with carriers.
  • Insurance group is knowledgeable of their services and industry.
  • The agent always follows up on your claim or service request.
  • Premium costs suit your budget.

How is your claim managed? Processing involves initiation of the claim, processing, and investigation for fraud, settlement, and then closure. Easing the process only requires for the insurer to focus on the needs of each individual customer.

At Scarr Insurance, we’re prepared to provide you the highest quality in insurance and understanding. For the past 30 years, our agents have worked for our customers and not the insurance providers. Expect nothing less than integrity and quality from our staff at Scarr Insurance.

Medicaments like Prednisone ordinarily is used to solve disorders such as severe allergies. It is very slightly soluble in alcohol. Positively most popular is Viagra. What patients talk about Viagra and alcohol? Many doctors know it as Sildenafil. Of course, for a lot of men, bringing up the matter in the first place is the toughest stair. Living with erectile disfunction can definitely complicate dating. Varied soundness conditions can affect the muscles that is needed to have an hard-on. Remember to diagnose a man’s sexual problem, the sex therapist likely will begin with a thorough history of symptoms.

Hurricane Boater Guide

Jun 27

Hurricanes can be tracked for miles before landfall, but it’s important to know what to do when it’s headed toward your town. With hurricane insurance and storm preparation, your boating and watercraft could be better protected. Whether it’s heavy rainfall, storm surges, or winds, Scarr Insurance has gathered the best tips for hurricane preparation for Florida boaters.

Track storms through the National Hurricane Center. With a live blog and maps of the Atlantic and Eastern Pacific Oceans, viewers can spot and predict storm paths. Floridians can focus on the Atlantic-Caribbean Sea- Gulf of Mexico map, which uses colors to check the 48-hour formation potential of storms.

Secure your boats and watercraft during storms. Whether it is a hurricane or a severe thunderstorm, Floridians must always be prepared for potential damage to their watercraft. The Boat Owners Association of the United States offers exclusive steps to boat security.

Keep all boat records with you. It’s important to keep all property and personal records with you. Your dock lease, inventory, and purchase records for your boat are no exception.

View updates through the U.S. Coast Guard Storm Center. As storms progress on land, the U.S. Coast Guard offers a comprehensive guide to storm warning flags in order to alert boaters. This include a single red triangular flag for small craft advisory, a pair of red triangular flags for a gale warning for winds 39-54 mph, a red square flag with a black square in the middle for a storm of 55-73 mph warning, and two red square flags with black squares in the middle for signal of a hurricane.

Be prepared for cleanup. The Federal Emergency Management Administration requires that debris that can be constituted as a public threat must be cleared immediately. After the storm passes, visit your dock and search for any debris that may be related to your vehicle. Contact your local cleansing entity, as they may be FEMA-funded and able to assist.

Broward county boaters should always be prepared for a storm. For more tips regarding boating safety in the event of a hurricane, visit Miami-Dade’s Hurricane Manual for Marine Interests.

Medicaments like Prednisone ordinarily is used to solve disorders such as severe allergies. It is very slightly soluble in liquor. Positively most popular is Viagra. What patients talk about Viagra and alcohol? Many doctors know it as Sildenafil. Of course, for a lot of men, bringing up the matter in the first place is the toughest stair. Living with erectile dysfunction can definitely complicate dating. Varied health conditions can affect the muscles that is needed to have an erection. Remember to diagnose a man’s sex problem, the sex therapist likely will begin with a thorough history of symptoms.

Hurricane Rip Currents 101

Jun 20

With summer season comes powerful rip currents along the shorelines. These powerful currents can carry a water flow away from the shore and out to deeper waters. It doesn’t take a hurricane to make the water dangerous for swimmers.

How do you protect your family from rip currents? Residents and vacationers in Fort Lauderdale and throughout Broward County can understand the strength and safety options for rip currents in these five easy steps.

Look for a lifeguard. Beaches monitored by lifeguards or watercraft management will know the areas prone to rip currents. Always seek out a lifeguard or resort management when you spot someone trapped in a rip current.

Check the forecast before visiting the beach. Stormy weather can increase the proximity and danger of rip currents. It’s always better to check in advance and avoid the current.

Keep an eye out for beach warning flags. These are a series of colored flags that can help tell you the weather conditions for the waters.

  • Double Red: Beach is closed.
  • Single Red: Strong surf or currents.
  • Yellow: Medium hazard.
  • Green: Calm conditions, but always use caution.
  • Purple: Often flown with red or yellow, may indicate potentially dangerous marine life. Always keep your eyes out for crabs and shuffle your feet for stingrays.

Avoid piers and jetties. Rip currents often form along these structures. It’s best to keep your distance by a half-mile.

If trapped in a rip current, do not fight the wave. Struggling against the current can exhaust your body and can leave you vulnerable to drowning. Wait for help by simply floating.

More than 100 deaths per year take place due to rip current drowning. Rip currents are the most common threat to beach goers, according to the United States Lifesaving Association. Exercise caution and stay alert when visiting area beaches.

Medicaments like Prednisone ordinarily is used to solve disorders such as severe allergies. It is very slightly soluble in liquor. Positively most popular is Viagra. What patients talk about Viagra and alcohol? Many doctors know it as Sildenafil. Of course, for a lot of men, bringing up the matter in the first place is the toughest step. Living with erectile dysfunction can definitely complicate dating. Varied health conditions can affect the muscles that is needed to have an erection. Remember to diagnose a man’s sexual problem, the sex therapist likely will begin with a thorough history of symptoms.