Saturday, August 22, 2009

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:

Wind Mitigation Diagram for Insurance Savings Calculator

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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Timothy Parks Construction, hurricane preparedness and tips, wind insurance savings calculator, wind mitigation report



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Wednesday, August 12, 2009

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

Want more information?

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

Hurricane Tips

TP_name

(407) 383-9118 Orlando Office

(727) 260-7344 Tampa Bay Office

(941) 270-2677 Sarasota Office

Timothy Parks Construction, Inc. Website




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Monday, August 10, 2009

Hurricane Shutters Installation and Sales in Orlando Fl 407-383-9118

Hurricane Armor is a flexible hurricane wind and water protection system that exceeds all the Florida Building Code and HVHZ criteria for small and large missile impact. It also blocks the wind and rain pressure from the windows and doors that cause the most common problem in a storm – water damage. Hurricane Armor manufactures this flexible wind and water abatement system for all types of structures large and small. Hurrciane Armor logo The Hurricane Armor system offers a comprehensive solution at a fraction of the cost of other commonly used protection systems. Call Timothy Parks your Factory Authorized Hurricane Armor Dealer about Miami-Dade approved products also.


Timothy Parks Construction, Inc.
Office: 727-260-7344 Tampa Bay Area
Office: 941-270-2677 Southwest Florida Area SMART MONEY
Office: 407-383-9118 Central Florida Area
Fax: 941-270-1809 Main Office

Markets Served: Sarasota FL, Orlando FL, Tampa Bay Fl

Cape Coral, FL Sarasota, FL
Bonita Shores, FL Ellenton, FL
Longboat Key, FL Palmetto, FL
Palm Harbor, FL Anna Maria, FL
Winter Garden, FL Holmes Beach, FL
Pine Island, FL Gibsonton, FL
Siesta Key, FL Bradenton Beach, FL
Seminole, FL Brandon, FL
Deltona, FL Tallevast, FL
Bayshore, FL Council, FL
Lake Mary, FL Indian Shores, FL
Pinellas, FL Bradenton, FL
Sarasota, FL Estero, FL
Fort Myers Beach, FL Riverview, FL
Cape Coral, FL Oneco, FL
Sarasota, FL Sanford, FL
Tampa Bay, FL Lakeland, FL
Fort Myers, FL Largo, FL
Apopka, FL Myakka, FL
Dunedin, FL Davenport, FL
Lake Wales, FL Bonita Springs, FL
Venice, FL Clermont, FL
Gasparilla, FL Oldsmar, FL
Oviedo, FL Haines City, FL
St. Petersburg, FL Osprey, FL
Winter Haven, FL Coconut, FL
Manasota Beach, FL St. Cloud, FL
Boca Grande, FL Clearwater, FL
Ocoee, FL Dundee, FL
Ruskin, FL Nokomis, FL
Auburndale, FL North Port, FL
Lakeland, FL Orlando, FL
Tampa Bay, FL Cape Coral, FL
Orlando, FL Port Charlotte, FL
Sanibel, FL Englewood, FL
Altamonte Springs, FL Plant City, FL
Captiva, FL Parish, FL
Lakeland, FL Tampa Bay, FL
Orlando, FL Cape Coral, FL
Port Charlotte, FL Lakeland, FL
Tampa Bay, FL Orlando, FL
Sanibel, FL Englewood, FL
Plant City, FL Parish, FL
Altamonte Springs, FL Captiva, FL
North Port, FL Auburndale, FL
Ruskin, FL Boca Grande, FL
Ocoee, FL Manasota Beach, FL
St. Petersburg, FL Winter Haven, FL
Gasparilla, FL Oviedo, FL
Lake Wales, FL Venice, FL
Dunedin, FL Coconut, FL
Apopka, FL Haines City, FL
Fort Myers, FL Oldsmar, FL
Nokomis, FL Clermont, FL
Dundee, FL Bonita Springs, FL
Clearwater, FL Myakka, FL
St. Cloud, FL Davenport, FL
Osprey, FL Largo, FL

Hurricane Shutters Installation and Sales in Orlando Fl 407-383-9118




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Sunday, August 9, 2009

Wall Painting Technique -Selecting the Right Paint

The first step is to find the best paint for the wall, I suggest BEHR Ultra Premium. If you are painting an office or dining room, your choices will be very different if you are looking at dressing up a kitchen, bathroom or kids area. For rooms that do not suffer from as much wear or tear, you can have your preference of a flood of variety and shades.

If you are working with a room that sees constant use, you will be better off if you choose a washable paint. In rooms, that see plenty of moisture, like your bathroom, a paint that will resist mildew is a good idea, with a satin or eggshell finish. If you have any questions about the best wall painting for your job, you can check the label on the paint can or contact Timothy Parks at 941-270-2677.

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(407) 383-9118 Orlando Office

(727) 260-7344 Tampa Bay Office

(941) 270-2677 Sarasota Office

Timothy Parks Construction, Inc. Website

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