by California Casualty | Homeowners Insurance Info |
If you live in a flood prone area, you should have flood insurance. It seems like common sense but many of us still don’t get it. As rivers crested to new heights and raging waters destroyed homes in Central and Southern Texas this spring, the Insurance Council of Texas fears that less than half of those with damage purchased a flood policy. Many thousands affected by record flooding in South Carolina may also be without flood insurance; state insurance companies estimate that only 10% of residents purchased flood protection.
Here are some reasons why people don’t buy flood insurance:
- They think their homeowners or renters insurance covers flooding
- They think the government will help them
- They think it’s too expensive
- They didn’t know it was available
Floods are the number one disaster in the United States and the National Flood Insurance Program estimates that just three inches of water in a 2,000 square foot house will result in $23,000 in damage.
With that in mind, let’s soak up seven myths that might be floating around about flood insurance.
- Flooding is covered under most homeowners insurance.
It is not. Homeowners and renters need to purchase separate flood insurance protection. Umbrella insurance does not usually cover flooding.
- I don’t live in a flood prone area so I don’t need it.
Every state in the union has experienced flooding and it can happen anywhere. The National Flood Insurance Program estimates that 25 percent of flood claims come from areas outside of high-risk flood zones.
- The Federal Government will help pay for flood damage.
Federal disaster assistance is only available when the president formally declares a disaster. The aid comes as low interest loans, not compensation for your damage.
- Flood insurance is only for homeowners and businesses.
Flood insurance is available to renters. It is also available to condo owners and renters. It will cover damage to your possessions from a flood.
- Flood Insurance is expensive.
The average policy costs about $700 per year: the higher your risk, the higher your premium. Keep in mind the average residential flood claim amounted to more than $38,000.
- I can get flood insurance coverage immediately.
In most cases there is a 30 day waiting period from the date you purchase the insurance before it goes into effect.
- I can shop around for the best flood insurance deal.
While you can purchase flood insurance from numerous companies, the price is set by the federal government and doesn’t vary. Rates do vary depending on your flood risk and the year and type of construction.
If you have experienced flood damage, here are some things you should be doing:
- Make sure the building is safe to enter – mud and water may contain dangerous chemicals, bacteria or poisonous snakes and there could be a risk from electrocution
- Secure the property from further damage or theft with plywood, tarps or plastic
- Remove branches and other debris
- Before cleanup, take photos or videos of all the damage
- Throw out water damaged food including canned goods
- Keep receipts for any items you buy to make temporary repairs and for living expenses, they may be covered if your loss is insured or can be used for tax purposes if the loss is not covered
- Contact your insurance company – flooding and other water damage to your vehicle is covered if you have comprehensive auto insurance
For more information about what is and is not covered with flood insurance, visit https://www.floodsmart.gov/floodsmart/pages/residential_coverage/whats_covered.jsp.
California Casualty can help keep you above water with flood insurance. Find out more today at 877.652.2638 or visit www.calcas.com/flood-insurance. Make sure your property is fully protected from wind, fire, lightning, hail or falling trees with a policy review by calling an advisor today at 1.800.800.9410 or visiting www.calcas.com.
Resources for this article:
https://www.floodsmart.gov.
https://www.ready.gov/floods
https://www.thestate.com/news/local/article37740939.html
by California Casualty | Educators |
My name is Donn Harrison and I have been a member of California Causality for years. I have also taught school for over 25 years. This past May I was awarded Top Teacher on the Live with Kelly and Michael Show. I was asked by California Casualty to write a few articles to teachers and members of the California Casualty family. While this article is directed to educators it certainly applies to all careers.
As the beginning of the school year washes over us like a cold shower on an August morning, hopefully you have established a routine. You know your students by name, and you’ve interacted with some kids so many times that you say them in your sleep. Here are several “keeps” I use as I go through the year that help me to be a better educator, parent and spouse. Hopefully some of these may help you not only survive the year but thrive!
Keep Ahead
There are so many expectations on teachers today. You are a shoe tying, data collecting, problem solving, group leading, question asking educator. All these expectations are heaped upon you and you have to keep ahead. There are several ways to do this. When your principal announces that all teachers have to turn in something, get a jump on it. Try to at least knock it out that day. Getting a jump on it will give you time later.
Keeping ahead may even happen at home. I get all of my clothes ready for the week and put them on hangers on Sunday night. There is nothing better than grabbing an already ironed outfit on in the morning. This is a great way to keep ahead and avoid a hectic morning!
Keep Grounded
No matter how crazy my day is I save time for a hobby. I love to bike. So every day I save at least 45 minutes to get out and get some fresh air. It centers me and relaxes me. You may crochet, read, jog, walk or jam out in the car on the way home, but take time and make this a priority in your daily routine.
Keep your priorities
You can’t get everything done in a day. You have to see a task coming at you and be able to say, “this can wait.” You need to find out when someone expects it and get ahead if you can. Some things you will miss and forget to do. That happens. Apologize and move on. As a firefighter I am able to prioritize pretty well. On a fire scene, I know that gas and electricity needs to be turned off when we arrive at a structure fire. The same goes at school. The scraped knee at recess needs a band aid before the zipper on the coat needs fixed. See tasks coming at you and prioritize them.
Keep an open mind
Education changes year to year. Changes can drown you and make you seem like an antique when you fight them. Keep an open mind and embrace change and spin it with your own unique teaching style. In my career, I have seen policies from not leaving children behind, to racing to them to the top to making their core common. Each time I tried to embrace the change and spin it in a positive way and make it my own unique system.
I hope you have a great year and some of these tips help you make teaching fun for you and your kids!
by California Casualty | Firefighters |
By Mark Goldberg, Communications Specialist with California Casualty
September is Suicide Prevention and Awareness Month. A lot of people don’t like talking about it, but it’s time more of us did.
The topic got a lot more personal for me this July when a good friend and retired firefighter, Tim Casey, took his life. Tim had written for the California Casualty blog about his life as a firefighter and the scars (both physical and mental) he carried from his 30 years as a first responder (read here).
I knew Tim had his struggles; he admitted that he was a recovering alcoholic, haunted by the things he saw on the job. He battled PTSD and the desire to drown those images in a bottle of booze. But it appeared things were looking up for Tim. He was engaged to a wonderful woman, was very involved in spreading awareness about first responder suicides and was teaching at one of the local universities. The last time I talked with Tim he seemed up-beat and happy; but I guess the demons were stronger than I or many others knew.
His funeral was moving, but it left me feeling sad and empty. I came away determined to do what I could to help carry on Tim’s mission to alert others about the growing epidemic of firefighter and first responder suicide. Unfortunately, I feel a lot like Sisyphus, struggling to push a giant rock up a hill. Here’s why:
- A new study from Florida State University found half of the 1,000 firefighters they surveyed said they had suicidal thoughts at one or more points in their career. Approximately 15 percent reported one or more suicide attempts.
- A January, 2015 article in USA Today cited National Fallen Firefighters Foundation statistics that a fire department is three times more likely to experience a suicide in a given year than a line-of-duty death. They added that PTSD, depression, substance abuse and suicide are still too common.
And that’s a problem; firefighter ranked number one in CareerCast’s annual survey of the most stressful jobs in 2015, just ahead of soldiers. CareerCast described the profession as, “dangerous in ever-changing conditions, with work not limited to battling blazes; firefighters also assist with medical emergencies and natural disasters.” I can only imagine how the searing image of injury and trauma can impact a person.
And that daily stress, combined with limited opportunities to talk about it, is taking a toll – as evidenced by the number 336. That’s the number of active and retired firefighters in the U.S. who are known to have taken their lives since 2012. It’s what many in the profession call “the hidden dirty secret.”
It was a little discussed topic by fire departments until Captain Jeff Dill created the Firefighter Behavioral Health Alliance (FBHA). Dill started the nonprofit after hearing about the emotional impact the World Trade Towers disaster had on firefighters in 2001, and talking with first responders about lack of mental health resources for those returning from the devastation of Hurricane Katrina in New Orleans. Captain Dill thinks the number of firefighter suicides that get reported is only the tip of the iceberg. He formally began the nonprofit in 2011 to directly educate firefighters/EMS personnel and their families about behavioral health issues such as depression, PTSD, anxiety and addictions, as well as firefighter suicides.
We recently had a chance to talk with Chief Dill about the FBHA and the mission of suicide prevention among the men and women who protect us. Dill also knew Tim Casey.
Tell us a little bit about yourself and FBHA.
I am a recently retired fire officer with over twenty-five years in the fire service, Master’s Degree in Counseling and founder of Firefighter Behavioral Health Alliance (FBHA) I can tell you from experience that looking into ourselves is very difficult.
FBHA is the only known organization that tracks and validates firefighter & EMT suicides in the U.S. We never use names or organizations unless families give us permission plus we take the information known and present workshops across N. America to educate our brothers and sisters.
How does FBHA reach out to Fire/EMS?
We help fire/ems departments learn how to recognize when a coworker is struggling and how to reach out to that person. We had two themes for our workshops until recently. The two were “Challenge With Compassion” and “Be Direct”. The premise was if you see someone struggling, acting different or hear things from them then you need to Challenge with Compassion and Be Direct in your approach. We know that people actually see us better than we see ourselves so listen to them when they tell you “you’ve changed”. I have added the term that so many people have now heard this past year in our workshops and that is we must do an “Internal Size-Up”. This simply means, what is going on in your life? Could these issues become monumental to the point that we become depressed, anxious, create suicidal ideations or become addicted to some type of vice? At times we subconsciously begin to act in ways that only others can see. So when someone says to you “what is going on with you?” please do not take offense, take a look at your life!
Why is it so hard for first responders to ask for help?
In every workshop we deliver we talk about Traditional Brainwashing. This quite simply means we become a product of our training, experiences and historical beliefs. From our first days in either fire or EMS academies we are taught everything to become confident and competent firefighters and EMT’s. Yet, the greatest error is the lack of behavioral health. The instructing of horrific things you will see and how they might play out in your life for a lifetime. The stress, anxiety, depression, sleep deprivation, PTS and relationships that might go south leading to a high rate of divorce are all real issues we face yet never taught because it is a negative for our traditions! We are afraid to talk about it because we are taught not to.
When things are going rough for you then the greatest thing you can do for yourself is to listen. When people, who see us from a different point of view than ourselves, notice that something is different then maybe it is time to look at our lives by performing an Internal Size-Up. This means seek professional help, talk to a chaplain, peer support or just a friend.
We, in the fire and EMS service, must remember we are human beings first. We are performing to standards that the general public will never understand. We are seeing things the general public will never see. So listen to others because maybe they are seeing things in us we will never see!
Stay safe!
We thank Chief Dill for his words and his time.
So, what can we do? First, take the time to ask questions and offer help to a first responder who appears to be stressed, depressed or hurting. In one of his articles for California Casualty, Tim said if someone had really taken the time to press him, to ask him what he was feeling, he probably would have cracked and exposed his hurt.
Slowly, more and more resources are being created to help firefighters deal with the stress of the job. The Firefighter Behavioral Health Alliance is a great first-step, with information and links to support agencies. The National Volunteer Fire Council and the National Fire Protection Association also dedicate numerous resources to linking firefighters in crisis with agencies that can help. Some of those are:
- Emergency Ministries – providing chaplains for first-responder counseling and support, emergencychaplain.org
- Rosecrance Florian Program – offering substance abuse treatment and PTSD support for firefighters and paramedics, https://www.rosecrance.org/substance-abuse/florian-firefighter-treatment-center
- NVFC Fire/EMS Helpline, 1-888-731-FIRE
- North American Firefighters Veteran Network – 24 crisis line for addiction, anxiety, stress and more, firefighterveteran.com
- American Academy of Experts in Trauma Stress – collaborating with organizations to meet the needs of victims and survivors, https://www.aaets.org
- The Code Green Campaign – advocating for mental health awareness and educatio for first responders on how to provide care for themselves and their peers, https://codegreencampaign.org
- The Sweeny Alliance; Grieving Behind the Badge – committed to providing emergency responders and their families training programs, educational material and grief support related to post-traumatic stress and suicide prevention, https://grievingbehindthebadgeblog.net/
In 2004, the National Fallen Firefighters Foundation (NFFF) invited fire organization leaders to a summit on preventing line-of-duty deaths. A document titled “16 Firefighter Life Safe Initiatives” was drawn up to promote health, safety and cultural changes in the firefighting community. Number 13 calls for better access to psychological support and counseling for firefighters and their families addressing the occupational stress they face, and to counter the growing incidence of Post-Traumatic Stress Disorder cases.
The goal of organizations like the NVFC, NFFF and the FBHN is to raise awareness of the problem and to find support for every firefighter and first-responder in need. But, if we don’t talk about the problem, we can’t solve it.
If you know a first responder, maybe someone you love, start the discussion. Ask them what they are feeling, how they are dealing with the stress of the job, and offer help. If you’re thinking there’s not a good time to bring up the subject, remember that this is Suicide Prevention and Awareness Month. Too many good men and women, our protectors, are ending up as statistics in the battle against suicide.
Jeff Dill, Founder of Firefighter Behavioral Health Alliance – NPO (FBHA)
FBHA was established in 2011 to educate firefighters and fire officers on suicide awareness and prevention. He travels the country discussing the data collected on the number of firefighters and EMS personnel who tragically have taken their lives. Through FBHA workshops, attendees are educated through role-play, discussion, and communication skills on how to recognize signs and symptoms of those in distress.
Jeff holds a Master’s Degree in counseling, and recently retired as a Captain from Palatine Rural Fire Protection District in Inverness, Illinois. He is a member of the American Counseling Association, National Board of Certified Counselors, International Association of Fire Chiefs, and a member of the International Association of Fire Fighters.
Jeff also sits on numerous committees including the Florian Program, IAFF, National Volunteer Fire Council, NFPA, as well as a consultant for the Western Massachusetts Fire Chiefs Coalition.
Sources for this article:
https://www.everyonegoeshome.com/2015/09/09/new-suicide-study/
https://grievingbehindthebadgeblog.net/2015/08/23/addiction-suicide-firefighter-sweeney/
https://www.nfpa.org/newsandpublications/nfpa-journal/2014/may-june-2014/features/special-report-firefighter-behavioral-health
https://www.everyonegoeshome.com/16-initiatives/13-psychological-support/
https://www.firerecruit.com/articles/1260782-Quantifying-firefighter-suicides
https://www.firerescue1.com/health/videos/584520–Mental-health-and-firefighting/
https://www.careercast.com/jobs-rated/most-stressful-jobs-2015
https://video.search.yahoo.com/search/video?p=Lisa+Ling+Videos-+Firefighter&fr=yfp-t-901-s#id=39&vid=6cff4bcc54de59233b0cc03a05d12cd6&action=view
by California Casualty | Health |
Have you picked up your child’s backpack lately? With books, computers and other supplies, they can weigh 50 pounds or more. As children head back to school, consumer safety groups are warning about the dangers of heavy, bulky backpacks.
According to the U.S. Consumer Product Safety Commission, an estimated 14,000 children are treated each year for backpack injuries, with an estimated 5,000 children going to emergency rooms. While most are from fractures and sprains from falling or tripping with a backpack, more and more injuries to the back and spine are being reported. The American Occupational Therapy Association warns that overloaded bags and backpacks can cause neck and low back pain that often last through adulthood.
The National Safety Council and the American Academy of Orthopaedic Surgeons have developed these safety tips for parents and students.
A Proper Backpack Should:
- Have an ergonomic design
- Fit your child
- Come with wide, padded shoulder straps
- Provide padded back support
- Include hip and chest belts to transfer weight to hips and torso
- Contain multiple compartments and pockets to distribute weight and provide easy access to contents
- Have compression straps
To Prevent Injury:
- It should weigh no more than 15-20 percent of the child’s body weight
- It should always be worn with both straps
- It should be worn high and tight
- The weight should be evenly distributed with heavier things low and towards the center
- It must be lifted properly with knees bent
- Students should consider a bag with wheels
Warning Signs:
- Your child has a change in posture while wearing it
- Your child struggles when putting on or taking it off
- Your child complains about pain
- There is tingling or numbness
- You see red marks after they take the pack off
More information and safety tips are available from the American Occupational Therapy Association, which sponsors the annual Backpack Awareness Day on the third Wednesday of September.
California Casualty’s $2,500 Academic Award is helping students lighten their backpacks by providing educators with the classroom supplies and materials they need. The details and application form can be found at www.calcasacademicaward.com.
It’s also a great time to check that your auto and home insurance fits your needs. Call a California Casualty advisor today for a policy comparison or review at 1.800.800.9410 or visit www.calcas.com.
Sources for this article:
https://www.nsc.org/learn/safety-knowledge/Pages/backpack-safety-for-kids.aspx
https://www.aota.org/Publications-News/ForTheMedia/PressReleases/2014/090814-BackpackRelease.aspx
https://orthoinfo.aaos.org/topic.cfm?topic=a00043
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters and nurses. Get a quote at 1.800.800.9410 or www.calcas.com.
