All Florida Group, Corp

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⚠️ Cold Weather Safety Notice – Space Heater Awareness

With colder temperatures expected, we want to remind homeowners to use extra caution with space heaters, which are a leading cause of house fires during cold snaps — especially in Florida homes that are not designed for frequent heater use.

Please follow these important safety tips:
• 🔌 Plug space heaters directly into a wall outlet — never into extension cords or power strips
• 📏 Keep heaters at least 3 feet away from furniture, curtains, bedding, or clothing
• 🚫 Do not leave heaters on while sleeping or when leaving the home
• 🏠 Avoid using space heaters in bathrooms, garages, or near water
• 🔥 Never use ovens, grills, or propane heaters indoors for warmth
• 🕯️ Extinguish candles before bedtime and keep them away from flammable items

Even short periods of cold weather can increase fire risk due to improper heating practices.

Insurance reminder:
Fire and smoke damage are generally covered under homeowners insurance; however, preventing a loss is always the best protection for your family and property.

👉 If you experience smoke, fire damage, electrical issues, or have questions about coverage, call All Florida Group immediately.
We are here to help guide you through next steps and protect your interests.

Stay warm and stay safe 🤍

— All Florida Group Corp.

It’s critically important to follow Prep 1 and Prep 2 before hurricane season because insurance mistakes or delays can cost you thousands—or even leave you uncovered—when disaster hits. Here’s why each one matters:

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🛡 PREP 1: Have a Homeowners Insurance Policy
1. You Can’t File a Claim Without It
If your policy has lapsed—even by a day—your insurance company can deny your entire claim.


2. Not All Disasters Are Automatically Covered
Most homeowners insurance policies include coverage for fire, wind, water damage, tornadoes, and lightning — but flooding is usually NOT covered.
You’ll need to purchase separate flood insurance and review your policy closely to confirm what’s included and what’s excluded.

3. Proof Speeds Up Payouts
When storm damage happens, every minute counts. If you can hand over your declarations page immediately, adjusters can verify coverage and begin processing right away.

⸻

🧾 PREP 2: Update Your Mortgage Information
1. Outdated Mortgage Info Can Stall Your Money
If your insurer still shows an old mortgage company, the check will be written to the wrong entity—causing massive delays.
2. Claim Checks Are Often Made Out to Both You & Your Lender
That means both must endorse it before you can cash it. If your lender is listed incorrectly, you’ll wait weeks or even months for reissuance.
3. Mortgage Transfers Are Common but Often Overlooked
Homeowners refinance or banks sell loans frequently. If you haven’t updated your policy, you might not realize the mismatch until it’s too late.

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📞 Bottom Line:

Taking these steps before a storm hits can be the difference between getting paid in days vs. waiting months in a damaged home.

For help reviewing your documents, call:
📲 All Florida Group – (786) 587-3828

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