Hail is responsible for billions of dollars of damage each year, according to the Insurance Information Institute. It only takes one bad hailstorm to damage your roof or siding, dent your vehicle or crack your windshield. Knowing what to expect, along with having the right auto and home insurance, will help you to protect your biggest investments.
What causes hail?
Hail commonly occurs during severe thunderstorms. It’s formed when storm winds carry rain up into the extremely cold parts of the atmosphere. The rain freezes, comes in contact with more rain that freezes to it, and ultimately becomes a chunk of ice. Eventually, the hailstones grow heavy and fall to the ground.
Hail can be as small as the size of a pea or as large as a softball. Most hail, however, is golf ball-sized or smaller. Windspeeds can cause hail to hit at a rate between 44-72 mph. Hail mixed with high winds has been known to cause severe damage.
What damage can hail do to your home?
ROOFS:Roof damage from hail is common. Large pieces of hail can make dents in shingles and destroy the roof’s finishes. Different types of shingles show damage in different ways. For asphalt and composition shingles, look for dings that are black in color or soft to the touch. They may resemble a bruise on an apple. Also, look for loss of granules on asphalt; the shingles may appear shiny. For wood shingles, look for splits that are brown or orange and have sharp edges. Damaged shingles can cause your roof to leak or create water damage to the structure below. Getting these fixed is important to keeping the integrity of your roof.
Pro-Tip: Are you renovating your home? Consider impact-resistant shingles that can withstand hail. Not only will they help to reduce damage, but they may also help you qualify for a discount on your property insurance.
SIDING: Hail can cause dents in aluminum siding and cracks in vinyl or wood siding. Water can seep in and cause problems. Look for warping or buckling, chipping, cracks, dents and holes. It’s best to do this when the sun isn’t too bright, as it could cast shadows and prevent you from seeing the damage. Again, get any damaged siding fixed as soon as you are able.
GLASS: During a hailstorm, stay away from skylights, windows, and glass doors, which are at risk for breakage from hail. Close your drapes, blinds, or shades in case a broken window occurs. This can help keep some of the glass from being blown around your house. Also, you may choose to install shutters which can help to protect your glass. You have a responsibility to make reasonable and necessary repairs to protect your property from further damage, as per your insurance contract. Your insurance company might reimburse you for these costs.
PATIO FURNITURE: Protect your patio furniture by covering it, or moving it inside a garage. Prune your trees ahead of time to remove weak or dead branches that can cause additional problems.
What damage can hail do to your car?
WINDSHIELD AND WINDOWS: Similar to the glass in your home, your car’s windshield, windows, and sunroof can be cracked or even shattered by hail. Cover your vehicle with a car cover. You can buy one or make your own with blankets. Secure the blankets with duct tape; while it may leave a sticky residue, it will not damage your paint.
CAR BODY: Hail can dent your car’s body as well the glass and a car cover can help. If a hailstorm is coming, park your car under an awning or in a garage. You can move your car to a local mall with a parking garage if you don’t have one. If you are driving during a hailstorm, pull over. Angle your car so that hail hits your reinforced windshield rather than the side and back windows.
What kind of insurance do you need?
You can’t control the weather, but you can purchase the insurance that keeps your home and your vehicle protected in case they are damaged by a hailstorm. These policies will give you the money you need to repair or replace covered items, subject to your policy deductible.
HOME PROTECTION
In most states, hail is one of the covered perils in a homeowner’s policy. Your dwelling coverage pays for repairs to your roof or siding while detached structures fall under “other structures coverage.” If hail gets inside and damages belongings, that can be covered under homeowner’s insurance. For personal property to be covered, the direct force of the wind or hail must damage the building, causing an opening in a roof or wall. You unfortunately won’t get any coverage if you leave the window or door open.
If you live in a state that is prone to hailstorms, you may not be covered. You may have to purchase an endorsement to your policy or even a separate windstorm and hail policy to be covered for hailstorms.
Your policy may have an exclusion for cosmetic damage to the roof and/or siding. If the damage done by hail is cosmetic, your policy will not pay. Cosmetic damage is considered damage that does not prevent the roof surface or siding coverings from functioning as a barrier to weather elements over an extended period of time.
Depending upon the age of your roof (typically 10 years of age or more), actual cash value loss settlement could apply, meaning that you’ll receive an amount based on depreciation.
If the damage isn’t higher than your deductible, you probably don’t need to file a claim. You can pay out of pocket, as insurance only kicks in after the deductible is met.
AUTO PROTECTION
Not all auto insurance policies cover hail damage. You have to have the right type of coverage.
Other Than Collision Coverage or OTC is for natural disasters, fires, vandalism, theft, and animals that damage your vehicle. Think of it as “bad luck coverage.” This coverage is not usually required unless you’re leasing a vehicle or paying a car loan. However, it’s valuable to protect your car from hailstorm damage.
If your car needs to stay in the shop, you will want an insurance policy with Transportation Expenses coverage, also known as rental reimbursement. If you carry coverage for damage to your auto, your California Casualty policy automatically includes coverage for a rental car up to $20 a day. For an additional fee, you can increase that amount.
If hailstorms damage your car to the extent that it is totaled, your insurance policy will likely pay you for the actual cash value of your car.
Talk to your insurance agent to see what is covered under your policy before the next hailstorm strikes. That way you’ll be fully prepared.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
Anyone who has ever dropped off at soccer practice, then zoomed to dance, and back again to school, knows the reality of parenting today. We live in our cars. In fact, we can’t live without them, which is why it’s more than just an inconvenience when our cars are in the shop.
Enter the rental car, the savior helping us to navigate our hectic lives, pun intended. Rentals can be a necessity when our car is in the shop for repairs after an accident, and it would be nice if we didn’t have to pay too much for them. That’s where rental car reimbursement coverage (also called transportation expense coverage) can help. A basic amount of this coverage is included with collision/comprehensive coverage in your auto policy. It helps cover the cost of a rental car after a car accident, but the basic coverage may not be enough these days. Optional higher coverage levels are available and can help to cover more of the cost of a rental car.
Things are changing—which could impact your budget.
Today’s world is not the same as pre-pandemic. The changes that have happened in the last year or longer are impacting the repair and rental car industries. This could cause you to pay significantly more out-of-pocket even with rental car reimbursement. Read on to find out why, and what you can do about it.
Parts are taking longer to get.
We’ve been spoiled with free, fast shipping, getting items in a couple of days from the time we order them. That’s no longer the case. Just as you probably had to wait for the hottest toy for the holidays (or that elusive Sony PlayStation 5), repair shops have had to wait…and wait…and wait…for parts. There’s a global supply chain shortage. Parts that used to arrive in a day or two are now taking weeks or longer. Ships carrying supplies are being held at docks. There’s also a global semiconductor shortage, which especially affects the advanced electronics in our cars.
Shops are doing partial repairs or keeping your car indefinitely.
With parts delayed for weeks or longer, some shops are making partial repairs on drivable vehicles, sending them home, and finishing the job later. They are keeping undrivable cars for weeks or even months while waiting for parts.
When there’s no one to work on your car, it sits for longer.
The labor shortage has hit the automotive industry. There are fewer truck drivers transporting parts, fewer dock workers unloading them, and fewer mechanics working. The pandemic prompted many people to reevaluate their career choices, and leave their jobs. If you’re lucky, your body shop is fully staffed. If not, you’re likely in for a longer repair.
Your car could be in the shop longer than your rental coverage.
Normally, you’d expect to have a rental car for a couple of weeks. It might surprise you to learn that the average repair time at the end of last year was 17 days, according to Enterprise Rent-A-Car. That means that many people had their cars in the shop even longer than that. The length of rentals has continued to increase in 2022. If shops are waiting on parts and workers, chances are that your rental car coverage will run out before repairs are done. Not only that but the rental bill can be even more than the repair bill, and you’re hit with any expense that insurance doesn’t cover.
Longer collision repair times are just part of higher costs. Rising inflation rates and greater demand for vehicles have increased rental car prices. AAA is seeing car rental prices trending higher in 2022 than in the previous four years.
It makes sense (and cents) to bump up your coverage.
The typical auto policy includes a basic amount of coverage that reimburses up to $20 a day with a $600 cap per accident. That means your $20 per day coverage lasts for 30 days. Luckily, you’re not limited to those numbers. Consider expanding your coverage to $30/$900, $40/$1,200 or $50/$1,500. Selecting a higher amount will help you cover today’s higher cost of rental cars, especially for longer repair times.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
This month we celebrate the successful career of Lisa Almeida, AVP- Key Account Manager of territories- National (UMP), California (CTA & ACSA), Arizona, Nevada, Utah NEA Affiliates, and Administrators. Lisa started with California Casualty back in February of 1993 and will retire in April.
We recently had the pleasure to sit down with Lisa and discuss her life and her career at California Casualty. Here’s what she told us:
“I was born in Redondo Beach, California. If you listen carefully to the Beach Boys’ “Surfin USA”, you’ll hear a brief shout out to my hometown. I grew up in many beachy areas of Southern California until I got married and moved to Miami. During my time in Florida, I finished college at Miami Dade, started a family, and began my permanent 37+ year career in the insurance world. That’s when I moved back to SoCal and started working for California Casualty in 1993.”
California Casualty was actually a client of Lisa’s when she worked for American Bankers Insurance Group. That is where she met Linda Anderson and Mary Wilson (both retired from California Casualty Agency Services). She loved working with the California Casualty and the Agency Services team so much she was encouraged to apply for a Field role with the company. “Honestly, it was not only their support of the company that inspired me to apply,” says Lisa, “but it seemed that everyone that worked for CalCas had just an extraordinary amount of tenure. And, being in the insurance industry, I heard nothing but praise for the company’s sterling reputation and excellent customer service.”
Throughout her career with California Casualty Lisa has held many positions, but it’s her love for Group Marketing/Partner Relations that has kept her in the department her entire tenure.
“I started as a Field Representativeive (now Field Marketing Manager) and within a year I was promoted to Senior FMM. After that, I was fortunate enough to earn an Associate Account Manager role, then Team Supervisor followed by about 10 years as West Region Manager. For about the last six years, I’ve been the Key Account Manager for the California Teachers Association. I will say that this position has been my absolute favorite. Not only have I had the privilege of working with some of the most influential and inspiring educators in the state, but I’ve also learned more about the operations of California Casualty than in any other role that I’ve had during my 29 years.”
When asked about her most memorable accomplishments she said, “Oh gosh, back in the day, I did achieve Presidents/Pinnacle Club status multiple times and that is always an honor.
Most importantly, I think working as the California Teachers Association (CTA) Account Manager has been quite an achievement, especially when you look back historically at how few of us there have been in the role since 1951. It’s humbling to be a part of such a distinguished group of individuals. Also, as the spokesperson on behalf of California Casualty for the California School Recognition Program, it has been such a privilege to work with the Department of Education and CTA in that unique capacity. The opportunity to represent this wonderful company and speak in front of thousands of educators throughout the state was just amazing!
Additionally, our partnership with United MileagePlus has been rewarding, and having the opportunity to act as the National Manager for that group for the last few years was a true learning experience.”
Looking back on her career and all of her achievements she says what she will miss most is the friendships she has made, both inside and outside of the company. She says, “I have been so fortunate to have gotten to know so many truly talented, generous, and kind individuals and it saddens me sometimes that I won’t get to see them as often. Still, they all leave me with some beautiful and fun memories…and thank goodness for Facebook.”
And her colleagues will certainly miss her! Lisa’s friends Brian Goodman, AVP-Partner Relations, Debbie Harris, Vice President Field Relations, and her direct report Inez Morales, Senior Field Marketing Manager, had a few parting words they wanted to say to, and on behalf of, Lisa.
“I’ve worked with Lisa for all 27 of my years here at California Casualty. I met her after just a couple of weeks on the job at a Group Marketing (now Partner Relations) department meeting in San Ramon, CA. That was December 1995. As a 30-year-old newbie just getting started with my California Casualty Field Marketing career, it didn’t take long before I knew this was the Field Territory Manager that I should emulate. Thank goodness I was smart enough to realize that right at the beginning! Eventually, Lisa became my boss. She offered me wise guidance countless times in my career, sometimes without even knowing it. Now, many years later, I consider Lisa a friend. I wish Lisa a sincere congratulations on her esteemed career and the new journey that is ahead. -Brian”
“Over her 29-year career, Lisa has established numerous successful partnerships and life-long friendships with group partners and CalCas employees from coast to coast. Wherever we go, she runs into someone who knows her and feels compelled to give her a hug. Lisa’s caring nature, professionalism, work ethic, and humor is alluring, as well as inspiring. I feel honored to have had the chance to work with Lisa for the past two decades and wish her the best in her retirement. -Debbie”
“I met Lisa 14 years ago at the Colorado Service Center during my new employee orientation. I remember it well because I had the worst altitude sickness ever. Lisa immediately asked, are you okay? Her voice was soft and comforting and instantly made me feel at ease. This is what makes Lisa so special. Her grace, words of encouragement, and guidance kept us sane while chasing goals. Lisa, you are a true professional who shows by example that excellence is something to aim for daily. It has been an honor and pleasure working with you. Congratulations on your well-deserved retirement! You will be truly missed!!! –Inez”
In retirement, Lisa plans to spend her days with her family and traveling. Only this time around, traveling for fun! She also plans to increase her ministry and attempt to get back into some of the activities (art, golf, gardening, etc.) that were pushed by the wayside due to all the travel that her positions have required over these many years.
Her parting advice to those also looking to have a long-lasting, successful career is to “Work hard. Play nice. Be grateful.”
Thank you for 29 great years, Lisa. We will all miss you and wish you the best. You’ll always be a part of the CalCas family!
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
This time of year, boat owners are getting their boats out of storage and ready for the water. If you’re among those eagerly anticipating the new boating season, you’ll want to make sure you’ve done everything to get your boat prepared and ensure you’ll be boating safely.
Follow this checklist for spring boat maintenance before you take off for the first time this season! (Friendly reminder, you can do much of this basic maintenance yourself, but if you’re unsure, always consult a professional boat mechanic.)
1. Inspect the Battery.
After sitting idle for months, your battery will likely need attention. You will want to make sure that it’s fully charged and ready to go. There are three basic types of boat batteries: AGM (absorbed glass mat), gel cell, and lead-acid. When working around batteries, always use eye protection, wear gloves, and never put your face near a battery.
If you have a lead-acid battery, you need to top off the fluid with distilled water. Remove the caps and use a flashlight to check the level. Add the water so it just covers the top of the plates. Be very careful doing this, as bubbles can pop and splash acid.
Use a meter reader to check the charge on your battery. Set the meter so it’s reading DC volts. A full charge is in the range of 12.65 to 12.77 volts. A dead battery measures 11.75 to 11.89 volts, so the numbers are pretty close. If you have a lead-acid battery, you can use a battery hydrometer instead of a meter reader.
Make sure not to overcharge or undercharge your battery. Both can limit its lifespan. Consider a marine-smart battery charger, which is permanently installed.
Use a wire brush to clean the battery terminals. Fill the cells with distilled water.
Check and tighten the cable connections to your battery. Loose connections can create a fire hazard.
Make sure that there is a lid on the battery box to prevent short circuits.
2. Check the fuel system.
Your fuel system encompasses more than your gas tank. It involves hoses, and if your boat is older, a carburetor. You want to check it to make sure that it’s in good working order.
Inspect your fill and vent hoses. Look for brittleness or cracks and replace any as needed with U.S. Coast Guard-approved hoses.
Look for stains around fuel line clamps and fittings. Check for smells around the fittings. If you find any, replace those fittings so you don’t have a dangerous leak.
If you detect a smell, you may want to check your fuel tank for leaks.
Fuel your boat with gasoline that does not contain ethanol. If you only have ethanol blends available, choose one with less than 10 percent ethanol.
Use a fuel stabilizer additive if you’re not going to be using up the gas in your tank within a week or two.
3. Examine the engine.
There are several components in your engine that wear down over time. Now is your chance to give them a look and make sure that they do not need replacement.
Inspect the belts and cables to make sure they’re not cracked.
Replace the spark plugs as needed.
Look for rust or any indication that clamps or other parts may need replacement.
If you didn’t do it before you stored your boat for the winter, change the oil and filter, and the drive lubricants.
Check the fluids for your power steering and coolant and top them off if needed.
Check the impeller pump to make sure it’s not worn. Impellers bring cooling water to the engine and are necessary for its safe operation. They should be replaced every 2 years or after 200 hours of use.
If your boat has lights, make sure they are functioning.
4. Check the boat’s hull.
The hull or bottom of your boat comes in contact with water, which means that its parts may deteriorate over time.
Check your boat’s anodes. These protect underwater areas of your boat from corrosion. If you see that your anodes are half dissolved, you will want to replace them.
Reinstall sea strainers for raw water cooling. If they weren’t properly drained for the winter, check for damage by ice.
Install the drain plug for your boat trailer if you removed it last fall.
5. Get out your cleaning supplies.
After a winter of just sitting around, your boat will naturally be dusty. You want to make sure that you give it a good cleaning, and also check for any potential problems like mold.
Choose a mild detergent for the exterior, then add a coat of wax.
Use an all-purpose spray cleaner for the console.
Use a vinyl cleaner on the seats.
Wipe down windows.
Clean carpets with a power washer.
Take note of any areas that have a smell or may have had water. The moisture can cause mold, which you will want to remove completely and as soon as possible.
6. Stock up on safety essentials.
Your old safety gear may be in good working order or it may need to be replaced. Now is the time to check.
Make sure you have enough life jackets, and that they are in good condition and easily accessible.
Check your safety kit. You should have first aid supplies, flares, fire extinguishers, and flashlights in a waterproof container. Make sure your extinguisher is mounted where you can easily reach it.
Check the expiration date on your fire extinguisher and your flares. Replace them as needed.
Test your boat’s smoke and carbon monoxide alarms.
If you transport your boat via a trailer, spring is a good time to check-in. You don’t want any issues getting your boat to the water.
Make sure your trailer’s brake lights are working.
Check the tires. Look for cracks in the sidewalls. Most trailer tires don’t wear out their tread but they can crack from exposure to the elements.
Check the tire pressure. Make sure you have a spare tire.
8. Get your papers in order.
Before you take your boat out, make sure that you have the right paperwork. This includes documentation for insurance so that you are fully protected in the event of a boating accident.
Review your boat insurance. Make sure it’s up to date and you understand what’s covered.
Keep your boat registration handy.
Make sure you have a fishing license and trailer tags as needed.
Happy boating!
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
Imagine walking downstairs and seeing your basement filled with water and your precious possessions floating around… It’s not something anyone wants to ever experience, but unfortunately, it’s something that many Americans deal with each rainy season.
A flooded basement can cost you thousands (maybe more), and it’s not just in lost belongings. Flooding can cause damage to your walls and floor and also lead to mold, mildew, and other health hazards.
Sometimes flooding is a one-time occurrence. Oftentimes, it is more frequent. Knowing the triggers of flooding can help you take steps to keep your basement dry and your possessions safe. Here are the common causes of a flooded basement. Pro Tip – You can help protect against many of them with flood insurance.
1. Location
Your location is one of the key reasons that your home floods. You may live in a low-lying area prone to flash floods. Your home may sit at the bottom of a hill, drawing precipitation toward it. If the land around your home is sloped down toward it, there could be a risk of your basement flooding. Take a critical look at your property. Look for depressions or standing water around your home, in the ground, or with pavement that has settled or deteriorated. These are areas that you will want to address.
What you can do: Fill the depressions in the ground with a mound of soil to create a slope away from your home. Use clay-based rather than sandy soil, as it will help to repel the water. Remove and/or replace pavement, and again, slope it away from your home. If a hill next to your house is causing the problem, a civil engineer may be able to provide some guidance.
2. Weatherproofing
During construction, your home’s foundation, and your basement’s walls and floor, should have received a coating of sealant to keep water out. However, sealants can deteriorate over time, allowing surface water to leak in. Surface water also can pool around your home due to the location and settings of your lawn irrigation system. Both of these issues are relatively simple to fix.
What you can do: Avoid placing irrigation next to the house, or limit water dispersed there. Make sure your irrigation system does not turn on when there has been plenty of rain. You also can take steps to reseal your basement. Use a polyurethane caulk designed for masonry to seal any cracks or gaps that are larger than 1/8 inch wide. (For finished basements, consult your local hardware store for options.) Then apply a waterproof coating to your basement’s walls and floor. You also can use waterproof paint.
3. Groundwater
If surface water is not the issue, groundwater might be. Underground pressure can push the water into your basement through cracks or holes. If you notice water coming up through the concrete floor, or coming in from multiple points, this could indicate groundwater.
What you can do: A perimeter drain system can help. Such systems relieve the pressure and use gravity to pull the water to the sides and down. They can be installed above or below the slab. An under-floor system may be better but it is more expensive. It requires some of the concrete floor to be removed in order to install the drainage pipes. If you already have a drainage system, such as drain tile or weeping tile, and you are still seeing water or moisture, it’s possible that you need to replace it. Those systems may degrade over time.
4. Clogged Gutters and Downspouts
It’s not unusual for gutters to be clogged with leaves and other debris. This prevents them from effectively doing their job, which is draining the water into a downspout and away from your home. Improperly positioned or broken downspouts also contribute to the problem. Water that drains too close to your house not only can create flooding; it can erode soil which can lead to further problems.
What you can do: Clean your gutters a few times a year. Install a gutter guard to reduce future clogs. Make sure your downspout drains far enough from the wall, at least 5-6 feet. Some experts suggest as much as 10 feet.
5. Plumbing Leaks
If you notice a large amount of water quickly, it could be a plumbing leak. Broken, cracked, and clogged pipes can cause this type of emergency. During winter months, water freezes and expands, sometimes bursting pipes. All of these issues can cause your basement to flood.
What you can do: Most likely, your pipes have to be replaced. Call your plumber to repair the issue as soon as possible.
6. Sump Pump Failure
You may have a sump pump installed, a device that collects excess water and drains it outside your home. A sump pump is powered by electricity, and therefore only works when there is power. Consider buying a sump pump with backup battery power to avoid any interruptions. If your sump pump fails because of lack of power, or because it is not working properly, that could cause your basement to flood.
What you can do: Regular inspection, cleaning, and testing your sump pump can help. Consider an add-on to your homeowner’s insurance of sump pump discharge or overflow coverage. This can help cover the costs of repair and replacement in the event of a sump pump failure.
7. Sewer Backup
Heavy rain can sometimes back up the municipal sewer system. Sewer backups also may occur due to sewer lines that are clogged with waste, tree roots, or other debris. When these things happen, flooding in your basement can occur, and the results will, at minimum, be smelly.
What you can do: If your basement is flooded with sewage, get professional help to clean it. You also will likely need to get the local government involved. Finally, you can install backflow preventers to help keep the sewage out of your house.
If your basement does flood, know that an insurance policy can help cover the costs. Many people don’t realize that a traditional homeowner’s insurance does not cover floods. For that, you will need a separate policy. If you’re in a flood zone, you will want that extra insurance.
There is a 30-day waiting period to buy flood insurance, so with the rainy season upon us don’t wait until the last minute!
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
