Motorcycle Safety

Save On Your Motorcycle Insurance…Drive Carefully!

We insure plenty of motorcycles each year. We notice as people relax with their motorcycle and enjoy the beautiful Florida weather accidents do happen from minor fender benders to more serious problems. We encourage all motorcycle drivers and non-motorcycle drivers to exercise caution on the roads and watch out for motorcycles. There is nothing like the freedom of riding your motorcycle. However, because you are on a motorcycle you have less protection around you than when you are riding in a vehicle. Here are some motorcycle safety tips to share:

• Try and avoid bad weather
Rain makes the oil residue on the roads rise to the top, therefore, making the roads slicker and slippery. If you must drive in rain, reduce your speed and leave plenty of room between other vehicles

• Be visible
Make sure other drivers can see you by having your headlight on at all times. Wear reflective clothing or have reflective strips on your motorcycle. Be aware of driver’s blind spots.

• Wear safety gear
A helmet helps protect your head in the event of an accident. Long sleeves, long pants, gloves, and boots all help protect you in the event of a fall. The only thing between you and the pavement is the clothing that you are wearing.

• Watch for road hazards
Debris, potholes, and uneven pavement can all be a recipe for disaster. Be aware of the condition of the road.

• Drive defensively
Take responsibility for your safety around vehicles. Be aware of your surroundings. Leave plenty of space between you and the other vehicles. Never assume that a driver sees you. Avoid being distracted. No answering your phone or texts while driving. Don’t weave in and out of traffic.

Of course, make sure that you carry motorcycle insurance. Gulf Coast Educators Insurance can create a custom fit policy to meet all of your motorcycle insurance needs. For more information on what Gulf Coast Educators Insurance can offer you, please visit online at: www.propertyandhomeinsuranceflorida.com.

Is Your Roof Leaking?

Florida has been his with a lot of rain this Summer it’s no wonder we are all not drifting away!  With rain comes leaks.  Whether it be the roof of your home, your pump house, garage, outbuilding or car, leaking roofs can mean for a serious uphill battle against moisture and mold.

Thanks to our tropical weather it’s challenging for things to totally dry out.  The humidity just keeps the air damp and can be a breeding ground for mold.  Yes mold!  Here is a quick list of things to notice in your home or on your property that could be an indication your have a leak:

 

1) water spots on your ceiling

2) the smell of must when you walk into your home

3) rotten wood on the underside of your roofing materials (i.e. shingles)

4) a dip in your roof line

5) a fuzzy appearance anywhere on your wall – this could be mold

6) if you have cracks in your home’s stucco you may have water seeping into your home.  You will want to consult with a repair man but you may consider caulking those cracks

7) if you have shingle damage from hail or have had shingles lifted from driving rain you may consider getting a roofer out to inspect for damage

8) if you have cracked roofing tile or missing tile(s) you may have damage underneath

9) in your vehicle if you notice a damp smell or musty smell you may have a leak in your car roof somewhere or maybe a seal around the doors, you may consider having this checked out

Many people will use Damp-Rid to pull the moisture up but long term this won’t repair the problem.  We recommend homeowners and car owners call their insurance company to let them know of possible damage.  Once you have made that initial call begin getting repair estimates.  It’s a good idea to get at least three estimates.  A note of caution you want to ask the contractor if they are licensed and insured.  Ask for proof of paperwork too.  Be sure the insurance policy is current.  We have had clients hire a non-licensed contractor and then not have the repairs pass county inspection.  It may cost a little bit more to work with a licensed contractor but you will save yourself a lot of frustration and anxiety in the end as your repairs will be done right and pass county inspection.

We encourage homeowners to call us with questions.  If you have other homeowners insurance and you are shopping around call us for a free homeowners insurance quote.  We would be happy to give you an estimate.  We have three convenient locations in Southwest Florida including an insurance office in Naples, Ft. Myers and Port Charlotte.  Visit our contact page with our phone numbers and addresses and reach out to us today.  We look forward to answering your questions!