The New Toy Too Hot for Your Insurance to Handle

It’s not an urban legend. You might’ve heard that hoverboards are catching fire, and you might even own one, but you need to be assured that it is true. At the beginning of April, the Orlando Sentinel reported a hover board catching fire in an Orange County apartment complex. Fortunately, this sprinklers did their jobs and though the three apartments had water damage, nobody was injured or hospitalized. In fact, there is even footage of one of the devices bursting into flame after only three days use – with the owner narrowly escaping injury. A Louisiana family lost their home to the same hazard after a 12-year-old boy’s hoverboard purchased from Amazon shot flames from both ends, and ended up burning down the family’s home. The Consumer Product Safety Commission is now investigating fires in 19 states that are tied to the devices, has declared them to be categorically unsafe, and airlines now refuse to transport the devices in carry-on and checked baggage. Not even the Underwriters Laboratory UL Mark should be taken as a sign of safety, as the laboratory has numerous instances in which the UL is counterfeited on two battery packs, hover boards, power supplies and adapters, and other parts.

Back at the end of 2015, hoverboards were possibly the hottest present that everyone wanted to put under their tree. While some companies have issued recalls and offered refunds, the manufacturers themselves are harder to get a hold of. These items were largely built in China by multiple manufacturers, distributed in the US by large numbers of limited liability companies – many of them no bigger than a shopping mall kiosk – while others […]

By |2018-06-09T09:47:46-04:00May 25th, 2016|Insurance|0 Comments

Cloudy Crystal Ball: 2016 Hurricane Season

The predictions are starting. The 2016 hurricane season is coming up fast, and already the predictions are all over the map. While we have not had anything more than a little rattling from passing hurricanes and tropical storms in the past ten years, it is worth it to remind you that Florida sits in a unique position on the hurricane highway. Whatever factors have served to keep hurricanes from our doorstep, we cannot rely on that protection forever.

From El Niño to El None-Yo

It is thought that a strong El Niño has a deterrent effect on hurricane formation in the South Atlantic, and this year’s El Niño was one of the strongest on record. This may have been the one of the reasons along with high Caribbean windshear that the 2015 Atlantic hurricane season was a no-show. Danny, Erica, Fred, Grace, and Ida petered out long before they became a threat to the mainland whether they were tropical storms or hurricanes. However, category four hurricane Joaquin made a strike on the Bahamas in October, before petering out in the North Atlantic.

A major factor in this year’s hurricane season is thought to be the “cold blob” in the North Atlantic. This is a blob of unusually cold water that is sitting roughly south of Greenland, and east of Newfoundland, extending almost all the way to the coast of Ireland. Since hurricanes rely on warm water to form and gather strength, currents pushing the cold water into the South Atlantic will limit the formation of the storms. However, with climate change and the possible disruption of ocean currents this may not happen.

This year we have a forecast of 12 named storms, five hurricanes […]

By |2018-06-09T09:47:46-04:00May 18th, 2016|Insurance|0 Comments

Fort Lauderdale Hits the Sweet Spot for Young Professionals

Hello, new graduates, and welcome to the rest of your life. in conjunction with Forbes magazine released a study some time ago of the top happiest US cities for young professionals. After evaluating factors that affect the happiness of young professionals, Fort Lauderdale came in as the number two best city for young professionals. Factors such as work/life balance, work relationships and environment, resources, compensation, company culture and reputation were all taken into account. We believe that Fort Lauderdale is still a prime area where young professionals can not only get their footing in the first decade of their career, but where they will want to stay and settle for the rest of their lives.

Fort Lauderdale and the surrounding area have a number of large employers, including Citrix, American Express, Templeton Worldwide, and number of fast growing, up and coming companies all hungry for new hires. We’re also right on the Space Coast with a growing aerospace and aviation industry, life sciences industry, and a soaring job market. With the young and diverse workforce and citizenry, you will be in good company as you begin your career. There are also a lot of great things about living on the Florida coast, including affordable real estate, parks and cultural activities, and some of the best happy hours anywhere in the United States.

A lot of people will want to try starting out their careers in places like Brooklyn, Silicon Valley, or other metro areas that are already experiencing unsustainable and uncontrolled growth. Very simply, when you begin an entry-level position immediately after graduation, you have more expenses than those already well embarked on their careers. […]

By |2018-06-09T09:47:46-04:00May 11th, 2016|Insurance|0 Comments

5 Great Florida Road Trip Ideas

Yes, it’s possible to play tourist inside your own state! If you have a little time this summer, you may want to check out parts of Florida that the thundering tourist crowd never seems to catch up on. While everybody is sweating in line at Disney World, you can be having a great time on the road discovering hidden Florida.

  • Discover hidden islands on the Gulf Coast. Mass tourism has passed these little havens by, and you’ll find that they are perfect for a long weekend of relaxation and reconnection. Anna Maria Island, Cabbage Key, Cedar Key, Gasparilla Island, Pass-A-Grille, and Pine Island are perfect getaways without the crowds for fishing, gallery hopping, local cuisine, biking, kayaking, and storybook inns.
  • Yes, we are still the flattest state in the union, but you can actually shoot the rapids at Big Shoals State Park, where the Suwanee River is about 60 feet above mean sea level with Class III white-water rapids for thrill-seeking kayakers and canoeists. There is also hiking, bicycling, fishing, and leashed dogs are allowed.
  • If you want to go down a lazy river, then turn your wheels towards Dunnellon and the Rainbow River. There is a dedicated area from which tubers can launch, as tubing is not allowed within the headsprings area or the day-use area of the park. You can also rent kayaks, canoes, and boats from April 1 through September 30 – just make sure to get there early.
  • Coral Gables hosts the world’s biggest freshwater swimming pool, and it’s the only pool listed in the National Register of Historic Places. Built in 1924 out of the […]
By |2016-05-02T17:04:36-04:00May 4th, 2016|Insurance|0 Comments