Salmon Agency - Oviedo Insurance - Florida Auto, Home, Life

Disaster Coverage

Staying Safe for the Atlantic Hurricane Season

Tuesday, August 13, 2013

If you have lived in Florida for at least a year, then you have made it through at least one hurricane season, and we are in the midst of the next one. According to the experts at NOAA, the season will remain active with more storms on the way. Between 3 and 5 of the projected storms could potentially be major hurricanes, a menacing prospect for Florida residents! In a recent article, it was recommended “now is a good time to prepare for hurricanes, especially if you live along the coast.”  Hurrican_Fran_-_Prior_Atlantic_Season.gif

With Superstorm Sandy still fresh in the mind of many, it’s even more important for you to be prepared for this Atlantic hurricane season. Here are some tips for you and your family to stay safe for the Atlantic hurricane season:

  • Review Your Insurance Coverage: The most inconvenient time to update your coverage is after a storm hits. Check your coverage now to make sure it is up-to-date and ensure you also have flood insurance (flooding is a great risk after a big storm!). Make sure your valuables are also covered along with your home. It’s also a good idea to have comprehensive automobile coverage in case of physical damage to your vehicle during a storm.
  • Walk-thru Your Property Before a Storm: Before a storm warning is issued, it’s a good idea to walk your property and ensure that there aren’t any branches or limbs that might break windows or cause damage.Secure your property as best as possible in preparation for a storm.
  • Keep a list of your possessions: In case of a big storm, your property might experience a flooding or sustain other damage. By tracking your most important items with their model numbers (if relevant), you can be mindful of any items damaged or lost.
  • Have a Plan and Safe Room: It’s always a good idea to have both a plan and a safe room with supplies in case of a major storm. Your safe room should be away from windows in the interior of your home.
  • Keep an Emergency Kit: Your emergency kit should be accessible and include water for several days, non-perishable food and a manual can opener, a battery-powered flashlight, and a first-aid kit along with any prescription medication.
  • Have a Pet Plan: Because many emergency shelters cannot allow you to bring pets with you due to allergens, it’s a good idea to have a plan for these extended family members.

By taking a little time to follow these steps, you will not only be more prepared for hurricane season, but you will have peace of mind. For sound advice on how best to update your insurance coverage, call your friendly team at the Salmon Agency at 407-365-1766. We will navigate you through the proper steps to ensure you and your loved ones are prepared for the storm.

Before the Storm: Preparing for Natural Disasters

Thursday, June 13, 2013

With a second tornado having deeply impacted the people living in Oklahoma and a hurricane season just winding up, natural disasters are front of mind for many people and their families and loved ones. With high winds that carry destructive power, tornadoes can demolish homes, and lives along their path. With over 1,000 tornadoes a year in the U.S., causing up to $1.1 billion in property damage, primarily roofs, trees, and windows.

Have a "Safe Room" - Taking precautions is critical and one of the best ways that those who reside in tornado-prone areas can prepare is to have a place of “near-absolute protection,” a term used by the Federal Emergency Management Agency (FEMA). While every tornado is different, based on collective research, a safe room design (oftentimes a basement or interior room) that incorporates protection criteria can be a tremendous safeguard during a storm. For more information on safe room design, visit FEMA’s website.

Prepare Your Landscape - Keeping windows clear by trimming tree branches and shrubbery, or removing trees that could fall on your home, and replace any hard, rocky surfaces in your walkway or driveway with mulch. Make sure that windows are closed when a storm is coming to minimize any potential flying debris.

Set up a “Storm Plan” - Prevention can make a big difference when a tornado hits. Talk with your family about your escape route if you are trapped in your home and where you will take shelter and put together a plan. Options may include a designated community shelter, a storm cellar, or a “safe room.” Another important step is to have a contact person who can reach out to loved ones in case a storm comes.

Assemble an Emergency Kit - Having an emergency kit with first aid supplies, flashlights, heavy-duty gloves, a whistle or air horn, extra copies of keys and glasses, cash, portable all-hazard radio, fresh batteries, and copies of insurance documents.

Update Your Insurance Policies - Allstate homeowners insurance and renters insurance can go a long way to help protect your home and belongings against damage from natural disasters, and more importantly, help you to clean up after the storm.

Call Salmon Agency to discuss your insurance needs, so we can come up with the best solution for you and your family, so that you will be prepared for the storm. To give to the victims of the recent tornadoes in Oklahoma, visit the American Red Cross website and make a difference today!

With Home Insurance: The Unexpected Can Be Protected

Thursday, March 17, 2011

We have seen with the recent earthquake in Japan that tragedy can strike at any moment. Many lives were lost and loved ones’ hearts shattered as they watched all they worked for destroyed in such an unexpected natural disaster. Living in the sunshine state has its benefits, from the white, sandy beaches to a seemingly continuous summer season. Yet, along with our beautiful weather there is a downfall; hurricane season.  What many Florida residents fail to realize is that this can be avoided by taking the necessary precautions now, in order to avoid the inescapable later. That is why it is important to have proper home insurance coverage.

With hurricane season approaching, it is critical to be proactive in obtaining proper home insurance to protect not only your valuables but your loved ones as well. If you’re a home owner, chances are it is your greatest asset so why not protect it! The benefits of having home insurance speak for themselves:

  • Mortgage lenders require it (if you take out a loan to buy your home).
  • If you rent, your landlord’s policy will not cover your personal property.
  • If you own a condo, the condo association’s policy does not cover your personal property and generally the interior of your condo.
  • It can be a financial safety net in a disaster.
  • Bad things do happen.

No one wants to be left without an option or without an avenue to turn to once tragedy strikes. The key is to have good home insurance, which will allow you to live worry free. Allow our trusted associates at The Salmon Agency to give you peace of mind and find the right home insurance policy for you. Think about it, if you can't financially afford to cover a loss on your own, then you can't afford not to be insured.

Homeowner's Defense Act: Your Best Defense Against Natural Disasters

Friday, August 20, 2010

Capitol HillThe Homeowner’s Defense Act of 2009 was introduced last year to ensure that homeowners would be better prepared for catastrophic events and that coverage would be available for those at the greatest risk. This comprehensive and effective bill would only cost American’s $1.75 annually over the next four years. Here’s a brief overview of the Homeowner’s Defense Act in less than a minute: 

  • Ensures accessibility of homeowners’ insurance policies for Americans living in disaster-prone areas.
  • Improves relief, response and recovery after large-scale natural disasters.
  • Implements a voluntary program working within the current framework of state regulatory systems.
  • Expands consumer catastrophe education programs.
  • Establishes catastrophe funding at state and national level.
  • Encourages responsible development and homeowner mitigation.

The Homeowners' Defense Act of 2009 also establishes the National Catastrophe Risk Consortium as a nonprofit, nonfederal entity in order to act as a centralized place for helping manage the legal and financial effects of natural disasters.

This bill would help ensure that individuals and communities devastated by natural catastrophes have the resources necessary to repair, rebuild and recover in the aftermath of massive hurricanes, earthquakes or other natural events. Take action today by writing to your representative and telling them to support the act.  Click here for an outline of the letter.

Hurricane Series: Developing Your Pet Plan

Thursday, July 15, 2010


Pets are an important part of the household and millions of you consider them a part of the family as well. That’s why developing a hurricane plan is so important; no one should be left behind.

Preparing in advance for a hurricane is a necessary step to take where pet protection is concerned. Here are some tips to follow:

  • Ensure that your pets have been vaccinated recently as shelters may require proof of vaccines.
  • Take a current photograph of your pet.
  • Have an identification collar on your pet and keep a leash accessible.
  • Have a properly-sized animal carrier for your pet (carriers should be large enough for your pet to stand and turn around).
  • Potential refuges for you pet include: specialized shelters, animal control shelters, veterinary clinics and relatives or friends.
  • If you plan to shelter your pet, work it into your evacuation route plan.

During a hurricane, don’t panic. Follow these guidelines to ensure that your pet is safe:

  • Pet shelters will be filled on a first come, first served basis. Call ahead to determine availability.
  • If you take your pet to a shelter, ensure that that have a proper identification collar and rabies tag, proper identification on all belongings, a carrier or cage, leash, ample supply of food, water and food bowls, necessary medications, specific care instructions and newspapers or trash bags for clean up.
  • If an evacuation is not required, bring pets indoors well in advance of the storm.

After a hurricane has passed, pets need time to adjust to their surroundings again. It may be a slow process, as pets can become traumatized. However, with some care, they will be back to normal before you know it. Here are some tips to help speed the process:

  • Walk pets on a leash until they are re-oriented. Often, familiar scents and landmarks may be altered and pets could get easily confused and lost. Also, downed power lines and reptiles brought in with floods and debris can all pose a threat for pets after a disaster.
  • After a disaster, normally quiet and friendly dogs and cats can become aggressive or defensive. Monitor their behavior and look for changes.
  • If pets cannot be found after a disaster, contact the local animal control office.

Don't forget to include your pet when preparing a family hurricane plan. Consider creating a pet disaster supply kit with items such as proper identification, food and water, carrier or cage, collar and leash, and medications. Making an effective plan will ensure that your pets are safe during a hurricane. For more information about developing a pet plan, visit the ASPCA website. For information about insurance policy coverage to protect you and your loved ones in case of a hurricane through the Salmon Agency, please visit our website and our team of trained professionals will assist you with obtaining the coverage you need.

Lincoln Salmon is the owner and founder of Salmon Agency ( He is an active community leader and a trusted resource for insurance and financial planning needs since 1999.

Hurricane Season: Are You Covered?

Thursday, July 8, 2010

4775362080_18d449f4cd_m.jpgAs a homeowner, at the beginning of every hurricane season, you should take the time to review your policy and ensure that your coverage is sufficient. Your insurance coverage will have some impact on how to prepare for the hurricane season and may even include helpful advice and specific rules you will need to follow in order to make claims.

Here are some insurance pointers to keep in mind and tools you can use to help as you review your policy and prepare for severe weather:

  • Windstorm: Ensure that windstorms are covered by your policy. Some homeowners and renters’ insurance may not include this type of damage, so talk to your agent if you aren’t sure.
  • Flood Insurance: Homeowner and renters insurance typically do not cover flood damages. You may find you will need separate flood insurance in addition to your homeowners or renters insurance. Flood insurance coverage can be purchased from a trusted agent like The Salmon Agency. Note: All flood insurance is underwritten by The National Flood Insurance Program (NFIP).
  • Replacement Coverage: After you purchase physical valuables –computers or appliances – and take them home, they begin to lose, or depreciate, in value. This is important to know because when you make an insurance claim, the insurance adjuster will include the depreciation of the item. Therefore, the amount you receive may not completely cover the damaged item. Take the time to ensure that your personal belongings have sufficient replacement coverage.
  • Deductibles: Review the deductibles and other exclusions of your policy to be aware of how much you may have to pay out of pocket in case of damage. Note: Federal disaster loan programs may also be available to cover deductibles.
  • Temporary Living Expenses: Take out an insurance policy that includes funds for temporary living expenses – or loss of value – in the event that your home becomes inhabitable.
  • Before and After Photos: If you live within a hurricane-prone area, take pictures of the inside and outside of you home now! Make sure photos are clear and include each room of your house with appliances and furniture. Photos of your personal belongings that require special insurance coverage should also be taken. Use our home inventory tool to start the process. If a hurricane passes and causes damage to your home, take the same series of pictures for “after” photos.

For information about insurance policy coverage and claims through the Salmon Agency, please visit our website and our team of trained professionals will assist you with obtaining the coverage you need.

Lincoln Salmon is the owner and founder of The Salmon Agency ( He is an active community leader and a trusted resource for insurance and financial planning needs since 1999.

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