Welcome to the Florida Wind Insurance Savings Calculator!

This online tool provides homeowners and builders with a general indication of the types of wind insurance savings available from Florida insurance companies for building features that reduce damage during high wind events like hurricanes. Building features that reduce wind damage and can lower wind insurance premiums include:

Most existing houses have one or more wind resistive construction features and may qualify for some insurance discounts. In addition, houses built after 1994 in Miami-Dade or Broward Counties and houses built after 2002 in the rest of the state have many wind resistive construction features and will likely qualify for credits.

By answering a series of questions about your home as it currently exists or based on renovations you are planning, the Wind Insurance Savings Calculator (WISC), will help determine what level of savings you may be eligible for.

The discounts found on this website are based on insurance filings approved through June 2008
Click "Calculate Your Savings" to begin.    

Buy supplies early to prepare for the storm. When the storm threatens, lines will be long and supplies short.

Timothy Parks Construction, Inc.

(407) 383-9118 Orlando Office

(727) 260-7344 Tampa Bay Office

(941) 270-2677 Sarasota Office

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Five Year Anniversary Of Hurricane Charley

At the 5 year mark of Hurricane Charley’s pass through Southwest Florida Charlotte County residents reflect & celebrate their rebuilding progress.

This Saturday, August 15th 2009 at Laishley Park in Punta Gorda an official celebration of progress will be held. Read more at
http://www.sunnewspapers.net/articles/tsnews.aspx?ArticleID=442520&pubdate=8/13/2009

In the wake of this celebration all Florida residents should review their property insurance policies to insure that they are properly covered in the event of any future storms. When reviewing this coverage keep in mind that if your home is a guaranteed replacement cost policy (which most homeowners policies are) you must legally have your home insured at 80% of it’s replacement cost for the insurance carrier to pay to have your home rebuilt if it is completely destroyed. Most insurance carriers in that write homeowners coverage in the state of Florida require that each home they insure be insured at the current replacement cost. But for some homeowners who may have had their policies for quite sometime & do not have inflation guard on their policy (this is a clause some carriers offer that will automatically increase the coverage on their home at each renewal in order to keep up with inflation) they maybe underinsured. To find out the current replacement cost of your home call your insurance agent or a property appraisal (done within the last year) can be used.

Read more information & helpful tips at:

http://www.myfloridacfo.com/Consumers/Guides/Property/index.htm

Michellene Septer – Licensed Insurance Agent
Florida Direct Insurance Agency, Inc.
2195A Tamiami Trail
Port Charlotte, FL 33948
Phone- 941.629.9199
Fax- 941.627.9663

Energy Calculators and Software: Homes

Energy Calculators and Software: Homes

Timothy Parks Construction, Inc. 941-270-2677

Homes

Here you'll find calculators to help you evaluate your home's energy use and need for energy-efficient improvements.

Saving Energy

• Energy Efficient Rehab Advisor

  This tool provides guidelines and savings information for incorporating energy efficiency into renovation projects for single and multifamily housing. From the U.S. Department of Housing and Urban Development
  

• Home Energy Saver

  Identify the best ways to save energy in your home. From the Lawrence Berkeley National Laboratory
  

Insulation

• Zip Code Insulation Tool

  Provides the most economic insulation level for new or existing houses. From the Oak Ridge National Laboratory
  

Appliance Cost Calculators

• ENERGY STAR® Cost Calculators

  Find product information and savings calculators for a wide array of ENERGY STAR products.
  

• Refrigerator Retirement Savings Calculator

  Calculates potential savings from replacing an old refrigerator with a new ENERGY STAR refrigerator. From ENERGY STAR
  

Water Saving Technologies Cost Calculators

Find the lifetime energy savings of water saving technologies with varying efficiencies. From the U.S. Department of Energy

• Faucets/Showerheads

• Toilets/Urinals

• WaterWiser Drip Calculator

  Measure and estimate the water wasted due to leaks. From the American Water Works Association
  

Software

• Building Energy Software Tools Directory

  Features a list of software tools developed primarily for the buildings industry. From the U.S. Department of Energy
  

Other Resources

More calculators to help you evaluate renewable energy systems, space heating and cooling systems, and water heaters.

• Renewable Energy Systems
• Space Heating and Cooling
• Water Heating

Also, see our information about home energy audits and analyzing your electricity loads.
Printable Version
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EERE Information Center

Hurricane Tips

Disaster Preparedness

Before the Storm

• Make sure you're covered – Insurance companies do not accept new applications or requests for increased coverage once a hurricane nears Florida.
• Know what your policy covers – Flood and wind damage are often covered in separate policies. Decide if you need this protection and contact your agent for more information.
• Make sure your coverage is adequate – You may have made recent home improvements or purchases. Consider increasing your coverage if your policy doesn't cover the current value of your home and contents.
• Keep policy documents safe – In addition to information on your agent, you should write down   the name of your insurance company, policy number, and a telephone number to report a claim.
• Fortify your home - Inspect your roof, making sure you have roof anchors installed on your home. Replace your windows and doors that don't pass the impact test, or cover them with shutters. A fortified home with the right doors, windows and shutters will save you money on your insurance premiums (link to discounts).
• Secure your property and clear your yard of any debris, lawn furniture, tools or other objects that could turn into dangerous projectiles in high winds.

After the Storm

• Immediately report property damage to your insurance agent and company.
• If you must make emergency repairs, document them.
• Maintain copies of your household inventory and other documentation. This will assist the adjuster in assessing the value of the destroyed property.
• Take precautions if the damage requires you to leave your home. Let your agent or company know your temporary forwarding address and home number.
• Beware of fly-by-night repair businesses. Hire licensed and reputable service people.
• Know what kind of licensed adjuster you will deal with (i.e. company adjuster, independent adjuster or public adjuster). Ask for identification, and if a question arises, call the Department of Insurance hotline for assistance.
• If you encounter any instances of price gouging, call the Florida Department of Agriculture’s Division of Consumer Services at 1-800-357-4273.

Financial Safety

When you hear warnings that a storm is near, you should also take precautions to protect your financial interests. These tips can help you secure your financial safety.

• Remember to withdraw money before a pending natural disaster. Carrying or keeping large amounts of cash in your home, however, might put you at risk of being robbed. Also, you could lose interest payments if you take too much out of an interest-bearing account.
• Normally, financial institutions will be closed at least two days after a direct hit, and ATMs could be out of commission even longer.
• During all cash withdrawals, be aware of your surroundings and any suspicious persons.
• Get receipts for cash purchases before and after a storm.
• Have a credit card on hand with at least $1,000 available.
• Use credit cards to finance minimal repairs when necessary. Document all these transactions.
• If you pay bills by phone or online, pay them before a hurricane hits, even if they are not yet due. Otherwise, a hurricane could interrupt phone service causing you to miss payments and get late charges.
• If you pay by mail, send payments at least two days before a hurricane, because the post office will not pick up mail within 24 hours of a strike.
• Keep copies of all payments mailed within 3 days of a hurricane making landfall.
• After a storm, contact those you've sent payments to and confirm they have received them.
• Store important financial papers in a safe and accessible place.
• Before you use any "fast-cash" lender, be sure you understand what the fees will cost for the service.
• Beware of anyone offering to help after a storm, who wants cash only.

Disaster Tips

• Disaster Guides
• Disaster Resources
• Hurricane Preparedness Events
• After the storm FAQs General Insurance Coverage, Commercial Coverage and Flood Coverage
• Disaster Response
• Tips for Hiring a Contractor brought to you by the Disaster Contractors Network.
• Develop a Disaster Plan for your family or business. The Florida Division of Emergency Management can help you!
• List of toll free numbers to assist policyholders brought to you by FIC

Want more information?

Visit the Disaster portion of the Insurance Library or call 1-877-MY-FL-CFO (1-877-693-5236)

Hurricane Tips

Technorati Tags: Hurricane Preparedness & Tips

(407) 383-9118 Orlando Office

(727) 260-7344 Tampa Bay Office

(941) 270-2677 Sarasota Office

Timothy Parks Construction, Inc. Website