How to Build a Disaster Kit in Oviedo, FL

How to Put Together an At-Home Emergency Kit

Be Prepared with a Custom-Built Supplies Kit.

How to Build a Disaster Kit in Oviedo, FLFall is a great time to consider disaster preparedness and to take a look at your family’s emergency kit. While disasters can happen anywhere, whether natural or man-made, it is important that your family be prepared.

For many, the thought of having a disaster preparedness kit in their home seems silly and unnecessary. The fact of the matter is that every state in our country is susceptible to a natural disaster such as an earthquake, tornado or hurricane, flood or even a volcanic eruption. Preparing for one of these events can be quick and inexpensive, but also a great time to educate your family about safety during one of these events.

The basic home preparedness kit, according to ready.gov should include:

  • Water – 1 gallon per person, per day. Minimum 3 day supply.
  • Food – non-perishable food such as canned tuna, canned fruits & vegetables, nuts, dried fruit, low sodium crackers, soups. Also, dry mixes that do not require refrigeration. Store food in tightly closed containers to extend it’s shelf life and protect from pests. Change food & water supplies every six months to keep fresh supplies.
  • Battery powered radio for emergency information
  • Flashlight with extra sets of batteries. (Consider an LED flashlight that requires much less energy to use)
  • First aid kit
  • Whistle to signal for help
  • Dust masks, plastic sheeting and duct tape to seal off an area from contaminants
  • Moist towelettes for simple hygiene
  • A manual can opener and pocket knife
  • Cell phone w/ solar charger of some sort

Additional items could include prescription medicines, diapers, pet food and blankets. Keep this kit in a designated area where your entire family can easily find it.

If you have questions about your home, auto, or motorcycle insurance, call us at The Riccard Group. We have years of insurance experience and can help you insure everything from your home to your auto or motorcycle. We live where you do and are an independent insurance agent, so we can help you find the right company to fit your needs. Check out our website, 24/7.

Winterizing Boat Insurance

Winterizing your summer “toys”

Winterizing your boatAs winter approaches you start to prep your home and vehicles for inclement weather. You clean gutters, fix drafty areas and make sure that your emergency kit is stocked. You also store your summer toys. RVs, motorcycles and boats need to be prepped for winter too, just to make sure that they are in top condition to start the summer season next year.

In order to winterize your RV, motorcycle or boat, there are a few key areas that should offer special attention.

Winterizing your summer toys in Florida:

  • Motorcycles: With motorcycles, you are most likely going to focus on fluids. Make sure that brake fluid is topped off and the brake lines are clear. Give your bike a fresh oil change and check the tire pressure (and tread wear!). Now is also a great time to make sure that the engine and throttle are performing properly. If anything sounds “off,” take it in for repairs so that the motorcycle is ready to go when those first warm days arrive. You should also top off the gas tank. If your tank is less than full, ice crystals can form in the tank and cause expensive damage.
  • RVs: Prepping your RV for winter is a lot like prepping your daily commuter for winter. Make sure your RV has a full tank of gas, oil change and a check of the vital engine systems like spark plugs, etc. Make sure the fresh and gray water tanks are emptied and that the tires are checked for pressure and wear and tear. The interior of your RV should also be thoroughly cleaned and while doing so, check for any drafts or broken window seals. Before you seal up your RV until summer, add a dehumidifier or desiccant crystals to help absorb harmful moisture and help prevent mold damage.
  • Boats: Like an RV, you have to prep both the interior and exterior of a boat for winter. For the exterior, check for cracks in the hull and scrape off any barnacles or other marine life that made your boat its home for the summer. If you have an outboard motor make sure to flush it with fresh water and that all the water is expelled. Inboard motors need to be refilled with antifreeze, so make sure to consult your manual for the proper mixture. The interior of the boat should be cleaned and wiped down with some type of vinyl protectant to help keep it from cracking in the cold. Make sure that your cover extends below the water line of the boat and that the cover is snug.
  • Insurance: It may seem like you do not need to keep insurance on your toys during the winter, but it is a good idea to maintain a year-long policy. If someone is injured on one of your toys while it is being stored (even if they are trespassing) and you have no liability coverage, you may be forced to pay damages out-of-pocket. Also, if a warm day comes along and you feel like taking your bike out for a spin and even just filling up the gas tank on the RV, you should have collision coverage. You may also get a discount for continuous coverage.

Winterizing is proper maintenance for your toys and proper maintenance includes insurance. If you have questions about a policy on your motorcycle, RV or boat, make sure to talk to the insurance professionals at The Riccard Group in Orlando, Jacksonville and Tampa, FL. Their years of insurance experience can save you a bundle, and they live right in your area, so know firsthand what your insurance needs might be. You can also visit their insurance website24/7 to learn more about the insurance products they offer like auto insurance.