Power Surge Protection

Power Surge pays | Choose your coverage | Exclusions | Take a proactive step | Enroll today! | Here's what your neighbors have to say about Power Surge Protection | Underwriters

FPL Energy Services has had years of experience dealing with lightning strikes and power surges and knows the damage they cause. While there's no way to completely prevent the damage, Power Surge Protection can provide post-surge recovery for your essential electronics and appliances.

Here are some interesting facts about lightning:*

• Lightning is the most dangerous and most frequent weather hazard experienced.
• Damage from lightning to home electronics usually occurs from an indirect strike to utility poles or wires nearby entering the building through power, phone and TV lines.
• Lightning causes billions of dollars in property damage every year.
• The state of Florida, the lightning capital, experienced over 300,000 lightning strikes in 2002 alone.
• Over $1 million in claims have been paid to FPL customers with Power Surge Protection to recover damages caused by lightning and power surges.

*Note: Sources: 2002 Lightning Protection Institute at www.lightning.org ; 2002 National Severe Storms Laboratory at www.nssl.noaa.gov ; 2002 Assurant Group® Statistics; National Weather Service.

While you may not be able to avoid damage caused by lightning or power surges, you can help reduce the cost of repairing or replacing your damaged appliances and electronic equipment with optional Power Surge Protection insurance. FPL Energy Services and American Bankers Insurance Company of Florida, a leading insurance provider, have teamed up to provide this optional insurance coverage.

Power Surge pays

Power Surge Protection covers the cost to repair or replace your appliances and electronic equipment against the risk of financial loss caused by damage from power surges and lightning strikes. You will be reimbursed for the cost of repair or replacement for covered losses, up to the maximum of your policy. And with Power Surge Protection, you won't have to pay a deductible!

Choose your coverage

You decide on how much coverage is right for you. You can cover your valuable equipment and appliances up to a total value of $10,000. The premiums are based on the amount of protection you choose, starting at $5 per month for $2,000 of coverage.

Exclusions

Summary of the Power Surge Protection Exclusions provided by American Bankers Insurance Company of Florida:

• Electric appliances and electronic equipment not operational prior to the peril causing the loss or those not owned by the policy owner.
• Electric appliances and electronic equipment that cannot be replaced with other of like kind and quality.
• Additional costs of on-site service such as travel charges.
• Loss resulting directly or indirectly from enforcement of any ordinance or law regulating the construction, repair or demolition of a building or other structure.
• Loss caused by or resulting from depreciation, insects, vermin, corrosion or rust; physical environment such as dust, dampness, dryness, cold and heat; mysterious disappearance; error or omission in design or system configuration; faulty construction or any original defect in the covered property; war including undeclared or civil war; repair or service including installment of covered property.
• Additional costs incurred as a result of a loss, such as extra expenses, programming, data reconstruction, data recovery or program installation or reconfiguration.
• Costs recoverable under the product warranty or extended warranty.

Take a proactive step

Since no one can predict when and where lightning will strike, it pays to be prepared. Join the more than 75,000 FPL customers who have chosen to protect their appliances and electronic equipment against damages caused by lightning strikes or power surges.

Enroll today!

To enroll or for additional information, including limitations and conditions, call toll-free 1-877-459-5590, 8 a.m.- 8 p.m., Monday - Friday. Please have your FPL account number handy when you call.

Here's what your neighbors have to say about Power Surge Protection

"This is a wonderful program. Over the years, we've lost several electronic devices due to power surges. I wish this program had been in effect then." Maurice VD., South Daytona

"Everyone was very helpful, all information was readily available and all inquiries dealt with promptly. Payment was made without any delays. I find this to be an `invaluable' program. Recommended highly to friends and family." Julia S., Deltona

"The service was excellent. Without this program, I probably would have had to spend between [$]200 & $300. It is a great program & everyone should have it ..." Norman G., Port St. Lucie.

"I thought the surge program would be like any other insurance program - if I ever need it - I would have to pull teeth to use it - but I was `VERY' wrong - one phone call - one letter -received check." David B., Hobe Sound

"The plan was simple to use. As a busy mother of three, I appreciated the ease of obtaining a quote, having the t.v. repaired, and getting reimbursed quickly. This `no hassle' plan is excellent!" Michelle G., Davie

"I was pleasantly surprised at the level of service provided by your group. My questions were answered quickly and efficiently and it was very simple to complete the documentation required to process my claim. Thank you for your great service." Jose D., Miami

"In Florida we experienced a lot of power surges and [lightning] strikes. This was one reason we wanted surge protection. We were very satisfied with the service and coverage you provided and we recommend it very highly! Thanks for the protection!" Reunet K., Wellington

Underwriters

Power Surge Protection is underwritten by American Bankers Insurance Company of Florida, a member company of Assurant Group®, 11222 Quail Roost Drive, Miami, Florida 33157-6596.

This is a brief description of Power Surge Protection. Please refer to your policy for complete details of coverage and exclusions that apply.