Orlando Home Insurance: Tips for Boosting Your Home Security

Orlando Home Insurance: Tips for Boosting Your Home Security Orlando Home Insurance Tips for Boosting Your Home Security

Orlando homeowners face a number of common risk exposures, from severe weather conditions to home invasions. While you can’t control the weather, there are many things homeowners can do to bolster their home security measure to make homes less appealing to criminals and vandals. One of the best ways to prevent a home invasion is to identify your home’s vulnerabilities and take precautionary steps to improve security in those areas.

Many Orlando homeowners start the process by making a sketch of their home making particular note of potential access points and exposed locations. These areas typically include doors, windows, dark spots around the exterior of a property and patches of dense landscaping such as hedges, bushes and trees. After you have identified your homes weak spots, you can craft a strategy to better improve your home security. Here are a few common solutions that may help improve your home’s resilience against potential property damage an losses.

Hinged Doors- Home security experts and law enforcement officials agree that, all exterior doors should be between at least 13/8 inches to 13/4 inches thick and made of solid dense materials. They also recommend that upgrading older doors to solid metal or wood doors will make it significantly more difficult for an intruder to break through. External doors should also hinge inward and fit snugly into the door jam and frame. Keeping the hinges on the inside of your home will eliminate the opportunity for burglars to remove the hinge pins and take off the door.

Sliding Doors-  Sliding patio doors are often a favorite of criminals because they are relatively easy to break into. Over time the latch on a sliding patio door will often become miss aligned or glitch making the door difficult to lock and allowing it to become loose on the track.  The latches are typically easily fixed by simply tightening the components with a screwdriver, however homeowners too frequently forget to do so. For those who seek slightly more security for their sliding doors, barrel locks are an inexpensive solution to additional security. Orlando homeowners can also procure new, better-quality patio doors that have multipoint locking systems with bolt into many points along the door frame.

Lighting Is Everything- Most criminals thrive in poorly lighted areas, therefore they will seek homes with many poorly lit areas and visual obstructions such as foliage, hedges, bushes and trees.  A homeowner’s best defense against home intrusion is to maintain a well-lit environment, both outside and in. Installing motion-activated lighting at porches, paths, patios, driveways and other dark or potentially vulnerable locations has proven to decrease you likelihood of becoming a victim of burglary or vandalism. Path and landscape  can also help illuminate your yard eliminating the amount of places a potential criminal can hide. Experts also recommend that homeowners set lighting timers, especially when they will be away or getting home late in the evening, to make it seem as if the home is occupied when it is not.

As Orlando home insurance specialist we understand how important your property is to you. At Newman Crane we work hard to assess the full scope of your coverage needs by taking into account all of your assets, from each personal artifact to real-estate holdings and vehicle investments.  Our Orlando Personal Insurance plans are fully customizable with a variety of inclusions and specialty policies. For more information about our Homeowners Insurance Orlando FL plans, or any of our offerings give us a call today at (407) 859-3691.

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Orlando Janitorial Insurance: Cleaning Service Industry Remains Strong

Orlando Janitorial Insurance: Cleaning Service Industry Remains Strong Orlando Janitorial Insurance Cleaning Service Industry Remains Strong

If you have ever thought of starting a small business in Orlando, the cleaning and janitorial industry might be worth a look. There are roughly 3,500 thriving janitorial operations in the state of Florida alone, and nearly 2.5 million cleaning and building maintenance workers throughout the US. Research indicates that the janitorial and cleaning services industry has expanded into a multi-billion dollar industry which offers stabile work opportunities for millions of Americans.  

There are two primary markets for cleaning and janitorial service providers, commercial and residential.  While the residential market was hit the hardest during the recession, operations which specialized in providing cleaning services to businesses, institutions, hospitals and other establishments often saw increased demand and profits. However, both sectors are reportedly recovering well according to the most recent BLS data. According to the Bureau of Labor Statistics (BLS), the industry is expected to grow 12% by 2020 especially as Americans businesses continue to outsource such services. Some experts believes that as the healthcare industry expands, numbers of facilities, services and service providers are projected to rapidly increase over the next few years, the cleaning and janitorial service industry will follow based on increased need and demand.

There are however, a few drawbacks. Due to the nature of the work, there are countless risk exposures that cleaning professionals face. Orlando commercial janitors and building maintenance professionals have one of the highest rates of injuries and illnesses of all occupations, according to the BLS. Workers commonly suffer cuts, bruises, and burns from machines, tools, and exposure to toxic and hazardous chemicals. Janitorial professionals are often also exposed to biological materials, bloodborne pathogens, and ergonomic conditions which often develop due to repetitive movements and a host of other potential threats to their health and safety. Slips, trips and chemical exposure are a few other major concerns for employees and employers in the janitorial industry.  Industry members also face liability concerns regarding their performance and fulfillment of contractual obligations.

If you have, or are thinking about starting a cleaning or janitorial service operation, you should always identify and evaluate your risk exposure and loss potential. At Newman Crane we specialize in helping Orlando businesses understand and mitigate the risks and hazards they face through operation. From Workers compensation losses to liability exposures, our team can help find complete janitorial insurance coverage to meet the specific needs of your operation.  We are proud to offer the best coverage at the best prices on the insurance Olando FL businesses need. Give our Orlando Janitorial Insurance specialists a call today at (407) 859-3691 to learn more about all our offerings.

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Orlando Worker’s Comp: Contractors Face Lasting Health Risks

Orlando Worker’s Comp: Contractors Face Lasting Health Risks Orlando Worker’s Comp Contractors Face Lasting Health Risks

Contractors are exposed to countless hazards throughout the course of their work. Taking even a few steps though a working Orlando construction site exposes an individual to numerous dangers. Ladders, scaffolds, heavy building materials and commercial machinery are just a few of the many exposures contractors face to work related injuries. If that wasn’t enough, Orlando contractors face risk of exposure to a number of dangerous substances which can be stirred up during a building renovation, remodel or demolition from toxic chemicals to mold, spores and particulates.

In fact, many Orlando construction workers are frequently exposed to substances which can have long term effects on their health. One of the most common serious health concerns for the construction industry is Mesothelioma and other respiratory complications resulting from asbestos exposure. Just as coal workers can be entitled to workers compensation coverage for “Black Lung” and other health complications, Orlando contractors and construction personnel may be entitled to compensation through a workers comp claim should they suffer from an illness or disease.

Not all illnesses and diseases are compensable however.  There are two primary factors which go into determining whether or not a disease or illness is covered under a worker’s compensation claim. The first, involves determining whether an illness or disease can be considered “occupational”. Qualifying a health condition as “occupational” is means that it must be proven that the employee was at work when they contracted the illness or disease. This is relatively simple in many cases. The second test is much harder to evaluate. Representatives for an employee must prove that the illness or disease is “peculiar” to the work they preform or their work environment. This is where interpretation and evaluation really come into play. Each case is judged on its own merits and circumstances.

With all the hazards workers face on a daily basis, it is no wonder that the construction industry has one of the highest frequencies of workers compensation claims in the nation. Contractors need strong Orlando Worker’s Comp coverage to protect themselves and their employees in the event of an accident, injury, illness or fatality.

Newman Crane is an Orlando insurance agency that specializes in providing complete commercial insurance coverage. Our Orlando construction industry  specialists can help contractor find complete Workers Compensation, liability and property insurance coverage your operation needs while promoting workplace safety. We work with the best carriers around to find you the most comprehensive coverage at the most affordable rates. For a rate quote request, call our Orlando Worker’s Comp specialists today at 877.874-4673

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Does Your Orlando Contractors Insurance Cover Construction Defects?

Does Your Orlando Contractors Insurance Cover Construction Defects? Does Your Orlando Contractors Insurance Cover Construction Defects

All man-made structures have a life span. While some are made to last through the ages, like the Great Pyramids in Egypt, most have significantly smaller life expectancies than thousands of years. However, even those great architectural feats are subject to deterioration over time, and will inevitably someday fade away. In fact, many structures fail far before the end of their useful life.

Buildings can fail for a number of reasons, many of which are not the result of faulty construction or poor planning; however there are incidents where the craftsmanship of a structure’s assembly will be called to question should a building fall before it’s time. Should a building suffer damage of collapse prematurely to its expected lifespan contractors are often challenged to prove that the resulting structural damage was not the result of shoddy workmanship, design or construction, and was merely an unforeseen disaster. If a building component was not installed correctly, was not suitable for the structure, or was defectively constructed, the manufacturer, seller, or contractor who installed the component may all be held responsible for any resulting damages or losses.

These construction defect debates have become increasingly common in courtrooms across the country as commercial and personal property owners and associations are more inclined than ever to seek compensation for losses and damages from those responsible for building their properties. Should a contractor or construction company be found negligent or liable for some professional error which resulted in the structural instability of a building, the financial and status ramifications can be devastating. Luckily, there is a way for contractors to protect themselves from these allegations and potential repercussions of a professional mistake or accident. BY securing the right Orlando contractors insurance coverage, you can mitigate your risk exposures as a contractor or construction entity and protect your assets in the face of construction defect claims.

At Newman Crane, we have built a strong partnership with the Orlando construction industry and continually address and meet their growing needs. Our Orlando contractors insurance specialists have the extensive experience needed to help you determine what insurance Orlando contractors need, and craft the best policies to completely protect your operation. To learn more about our offerings, give our Orlando contractors insurance specialists a call today at (407) 859-3691.

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Unexpected Factors Impacting Your Orlando Home Insurance Rates

Unexpected Factors Impacting Your Orlando Home Insurance Rates Unexpected Factors Impacting Your Orlando Home Insurance Rates

Most Orlando homeowners are looking for the best insurance coverage available at the lowest possible rates to get the biggest bang for their buck. However, most don’t realize that Orlando home insurance premiums are determined by a wide variety of factors, not just the type of policy, coverage limits and deductibles a policy holder may choose. The rates you pay as a home owner vary based on location, size of the property and other factors as well. Here are a few factors that many homeowners do not realize can impact their ability to secure inexpensive homeowners insurance.

  • Pets- Having pets can be a rewarding experience for many Orlando residents, but from an insurance standpoint your furry friends can also increase your injury and liability risk exposures. As such insurers often factor a policy holder’s pets into their rate.  If you have a dog, there is a strong change that your pet’s breed might increase your Orlando home insurance premiums, especially for large breeds and breeds frequently deemed “aggressive” such as pit bulls, boxers, rottweilers, Dobermans and others breeds. Furthermore, owning an exotic animal or breed might make finding home insurance nearly impossible, as some insurers might consider your pet too risky.
  • Your Credit- Insurers often check a policy holder’s credit report to see if the individual regularly pays their bills on time. The credit score numbers are also a frequent factor in determining premium rates. A lower credit score could result in higher premiums depending on your insurance provider.
  • Owning a Trampoline- While it might sound silly, owning a trampoline can be a huge risk exposure. Experts indicate that trampoline related activities result in approximately 92,000 hospital visits each year. Users are often unaware that one wrong fall or slight misstep off the elastic surface can cause spinal, head, neck and other severe injuries such as fractures and bone breaks.
  • Property Upkeep- Some homeowners may be surprised to learn that regular home maintenance and upkeep can help keep home insurance rates from drastically rising. Owners who don’t keep up with their home maintenance may see their rates raised or their homeowners insurance cancelled altogether. Leaky roofs, old hot water heaters, dripping pipes and poor water seals are just some of the items to watch out for.

Working closely with local insurance providers l throughout Central Florida can help homeowners secure the perfect coverage to fit their needs and risk exposures. Newman Crane provides the complete home insurance Orlando residents need at affordable rates.  Our personal insurance specialists can help craft the right policies for all your assets. To learn more about our Orlando home insurance or any of our policies, give us a call today (407) 859-3691.

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Orange County FL Car Insurance: Hands-free Doesn’t Guarantee Safety

Orange County FL Car Insurance: Hands-free Doesn’t Guarantee Safety
Orange County FL Car Insurance Hands-free Doesn't Mean Safety

According to experts, three out of four drivers believing that hands-free technology is safe to use while driving and improves a motorist’s ability to focus on the road. As such many Americans may be surprised to learn about the AAA Foundation for Traffic Safety’s (AAA) latest study and findings. As part of the Measuring Cognitive Distractions, AAA tested a variety of stimuli that drivers often encounter to measure the level of distraction and subsequent cognitive impairment. The research team developed a five-category rating system, similar to that used for hurricanes, to determine the “severity” of impairment for each distraction.

The recently released report compiled data collected in 2013, and found that many of the popular new vehicle features may actually increase mental distraction. Last year AAA revealed that talking on a hand-held and a hands-free cell phone resulted in the same level (category 2) of cognitive distraction. This year’s findings revealed that device accuracy of voice recognition significantly influences the rate of distraction, and that composing text messages and emails using in-vehicle technologies (category 3) was more distracting than using these systems for simply making calls or listening to voice mail (category 2). The research also investigated the use of Apple’s Siri iOS7 version for hands free communication while driving.  The report indicates that hands- and eyes-free use of Apple’s Siri generated a category 4 level of mental distraction, which is higher than communications technology which was integrated into the vehicle.

AAA hopes that the new research will help guide manufacturers to revise marketing campaigns that suggest these features are safer, and to design better hands-free technology that will reduce the amount of distraction for motorists.

At Newman Crane, we believe that one of the best crash avoidance tactics will always be safe driving, which means limiting the amount of distractions a driver faces on the road. We also understand that there are countless unexpected circumstances that drivers face every time they hit the road. That’s why we proudly offer complete and affordable car insurance in Orlando FL.  Our Orange County, FL car insurance specialists can help secure coverage for all your vehicles, whether they are daily drivers or collectible classics. Give us a call today at (407) 859-3691 to learn more about all our personal insurance offerings.

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