August is prime moving season. It can be quite a task if you are packing up for your first apartment, or heading to your forever home. Not only do you need enough boxes, but you’ll soon be learning a new route to work or school, trying to figure out the parking situation, and going through the fun of setting up utilities, internet and other necessities. As you race around trying to get everything prepared, it’s easy to get frustrated or forget important things.
Make sure you have enough boxes for your move (find a box calculator here)
Designate an “essentials” suitcase or bag for hygiene products, medications, toothbrushes, chargers and a change of clothes you’ll need for a few days (and keep in your car)
Keep clothes on hangers, zip tie them together and wrap them in plastic for easier transition into a new closet
Put fitted sheets on both sides of a mattress to protect it
Pack glass bottles in kids pool floaties to protect them from breaking
Wrap breakable dishware and glass in t-shirts or towels
Use painters tape to label electrical cords with the name of the corresponding appliance for hassle-free matching, and pack them in toilet paper or paper towel rolls
Put screws and other small hardware in sandwich bags and tape them to the piece they go to
Instead of using markers, use color-coded tape to designate where each box will go
Getting to your new home and realizing you left important things behind can be a real downer. Here’s a list of some essentials things you’ll want to do:
Submit your change of address to the Post Office a couple weeks before your move – it often takes ten-business days to get processed
Open a checking account in your new city a few weeks prior to the move
Get copies of your family’s medical records and veterinary records for your pets, as well as copies of prescriptions you may need to transfer
Have official copies of your child’s school records (needed to enroll them into a new school)
Look for valuables you may have hidden around the house (jewelry, stamps, coins)
Remember items you left at the cleaners (or the watch at the repair shop)
Leave some cleaning supplies for the after-move clean-up
Bring an extra roll or two of toilet paper (enough said)
Leave behind the garage door opener – many people forget to take them out of their vehicles
Gather all the house keys you have hidden or given to neighbors and friends, and to rekey the doors of your new place
You can find an easy to use, downloadable moving checklist here.
Here’s an important note: If you are renting a moving truck, most auto insurance companies don’t extend coverage to those type of vehicles, and auto insurance may not cover rental trailers. You should contact your insurance provider before the move, and consider buying the rental truck company’s liability, damage waiver, and cargo protection policies.
TAKEAWAY:
Are you ready to move? Download a renter’s moving checklist from our resources page, mycalcas.com/resources. Also, let one of our advisors make sure you have the coverage you need for your big move. Contact us at 1.800.800.9410 option 3.
Seeing a wall of flames or a madly spinning tornado bearing down on your community or neighborhood is the worst time to wonder, “Do I have enough insurance to build my home again?”
While some areas of the country have already experienced tornadoes and record flooding, fire and storm season is just beginning.
We’ve seen enough disasters to know the stress and financial impact they leave behind. More out-of-control fires and powerful storms have resulted in higher cleanup costs, elevated rebuilding prices and shortages of manpower and materials, due to the damage in a concentrated area.
It’s very important to make sure that you have enough insurance for your home and property.
Here’s why:
Half of American homeowners have told experts that they don’t really know what their homeowners insurance policy covers
Other studies estimate that six out of ten homeowners are underinsured by an average of 20 percent – meaning if their house costs $200,000 to replace, they would fall short by about $40,000 if they had a total loss
Less than 20 percent of those in flood or earthquake-prone areas have flood or earthquake insurance
Here are some of the factors that could lead to a home being underinsured:
Improvements and upgrades. When you buy new appliances, remodel kitchens and bathrooms or add on to your home, those improvements may not be covered by your original insurance policy.
Hazardous materials removal costs. After a disaster, your property may be full of dangerous chemicals, asbestos and other hazardous materials. It may take months to get proper permits, and the costs to remove the toxic residue can be quite high.
Rising construction costs. After large-scale disasters, building materials, construction crews and equipment may be in short supply. Costs in many areas have skyrocketed after massive property destruction.
Updated building codes. Rebuilding an older home to meet today’s safety codes may be expensive, especially if you bought your home decades ago.
Limited loss of use coverage. Make sure you have enough coverage to pay for extra living expenses (rent, food and other essentials) while your home is rebuilt or repaired. It’s important to factor in extended time after large disasters, sometimes more than a year.
Not enough personal property protection. Make sure that you have enough contents coverage to replace the many items you own – bedding, clothing, kitchen items and electronics. Don’t forget scheduled personal property for high value items, such as jewelry, special musical instruments, fine art and collectibles.
Being Prepared
A yearly policy review is a must. As your insurance partner, it’s imperative that you tell us about any home improvements/upgrades that you’ve made. A California Casualty advisor will take the time to explain your policy and help make sure that you have the coverage you need with the discounts you deserve.
Its’s also important that you make an inventory of your possessions. Not only will it help determine the amount of coverage you need, but it speeds up the process of replacing those items. Only half of American homeowners and renters have done an inventory, which could leave them in the lurch after a disaster.
TAKEAWAY:
Take a moment and contact one of our customer service representatives for your policy review by calling 1.800.800.9410, option 3.
While we worry about our teens texting while behind the wheel, what kind of example are we setting? Nearly one-third of drivers of all ages admit to texting, talking or checking a map app while on the road. With Americans spending an average of an hour a day on the road, that’s too many opportunities for a serious crash.
Technology can give us the boost we need to stay on task, avoiding texting while driving. There are a variety of apps to reduce your temptation to use a smartphone while behind the wheel. Most of us already use apps for workouts, calorie counting, music and banking – why not add one for safer driving?
Five Apps to Stop Phone Use While Driving:
AT&T DriveMode, a free app for iOS and Android that silences incoming calls, restricts texting, and sends alerts when the app is turned off
DriveSafe Mode, an app available for iOS and Android that prevents texting and emailing while driving and sends notifications when the phone is in use or when the driver shuts off the app
Cell Control, a subscription service that allows businesses or families to block sending or receiving texts while driving and sends an alert if it is deactivated
On My Way Realtime GPS (available at iOS app store), a free app that allows others to track where you are in real time without the need to send a text or make a call while driving, and lets them know when you arrive at your destination
LifeSaver, a subscription service for both Android and iOS that blocks phone use, monitors driving behaviors, sends alerts when the driver arrives safely and allows them to earn points while using the app
Your phone may already have a Do Not Disturb While Driving feature. Search within your phone settings to activate it.
Some other tips to help drivers concentrate on the road and not on technology include:
Mapping out the route before getting into the car
Creating music lists at home to play on the ride
Making calls to friends, work or relatives before the drive and after you arrive at your destination
TAKEAWAY:
Learn more about distracted driving and efforts to prevent it here.
If you’re in the market for a used car or truck, be aware that water-damaged vehicles could soon be coming to your community. While most will arrive from areas deluged by tropical storms and hurricanes, others can come from flooding in other parts of the country. The U.S. Justice Department and the National Association of Insurance Commissioners warn that crooks often ship these flooded vehicles across the country to unwitting buyers, and any used vehicle in any part of the country needs to be checked for water damage.
Carfax estimates there are now more than 325,000 water-damaged vehicles on American highways. They’ve been found from California to Maine and Minnesota to Florida. In fact, the cities where the most flooded cars have washed up are Houston, New York, Philadelphia, Dallas/Ft. Worth and Chicago. The states with the most flood-damaged vehicles are Texas, Louisiana, Pennsylvania, Florida and Kentucky.
A waterlogged vehicle can have chronic issues that can last for years. Water fouls fuel lines, destroys electronics, and rusts engines, brakes and other important parts.
You should always test drive and inspect any used vehicle you plan to purchase. Here are some signs a vehicle has suffered water damage:
A musty odor or heavy aroma of cleaners or disinfectants to mask mold odors
Water marks or dirt in the dashboard, carpets or trunk
Rusty door hinges and truck latches
Corrosion around bolts or screws
Silt or mud under seats, glove compartments or window wells
Electronics that flicker or don’t work
Fog or moisture in interior lights or the dashboard
When test-driving a used vehicle, experts say you should:
Turn on the ignition and check all instrument panel lights and accessories
Test the interior and exterior lights, air conditioning, windshield wipers, turn signals, high beams and heater
Turn on the sound system and check door speakers, which often become damaged in water
Look at the engine oil – when mixed with even small amounts of water it turns murky and looks like a melted chocolate shake
Inspect the air filter for water stains
If you suspect you unknowingly bought a water-damaged vehicle, the Federal Trade Commission has a wealth of resources for used car buyers who fear they are victims of fraud.
You might be surprised to learn that school zones and bus stops are some of the most dangerous places for kids as they go to and from school. Since it’s been a few months since school has been in session, these safety refreshers can make this back to school season safer for our children:
SCHOOL ZONES
Be aware of school zones
Pay close attention to all school zones along your route. Warning signs, flashing lights and speed bumps are good indicators that a school zone is nearby.
Never drive distracted, especially in areas where children travel to and from school
Drinking coffee, texting, talking on the cell phone and completing the morning routine to get ready for the day (applying makeup or shaving) are all distractions.
Slow down and observe school zone speed limits
Avoiding the need to rush by building in extra time can save a life. Slamming on the brakes is not the best approach to reducing your speed in a school zone.
Be patient and expect increased traffic during drop-off and pick-up times
Don’t get overwhelmed by the controlled chaos. Your patience is greatly appreciated.
Avoid double parking or blocking crosswalks in school drop-off zones
Always yield to pedestrians, whether or not they are in the designated crosswalks.
BUS STOPS
Yield to buses at all times
Filled with precious cargo, they deserve the right of way.
Stop when you see school bus yellow or red flashing lights and the stop arm extended
Drivers behind the bus as well as those approaching it are required to stop.
Let students getting off of the bus cross in front of your car and wait to ensure all riders have crossed safely
Stopping a good distance from the bus will help you to see the students and the students to see you
Be aware of kids standing at bus stops
They may accidentally step off of the curb and into your path. Be ready.
Nothing is more valuable than the lives of our children. These simple rules can prevent tragedies and keep our school zones safer for all.
The weather is warming up and it’s time to ride. Whether you’re an “Easy Rider” or a café cruiser, don’t let a dead battery or clogged fuel line keep you from your adventures.
We know your life is hectic, so here’s a quick reminder of some things to inspect before you start your motorcycle’s engine:
Battery – check the terminals, clean dust and corrosion, tighten cables and give it a charge
Oil – start with fresh oil and filter
Fuel – drain old fuel and start with a fresh tank if you didn’t winterize your bike
Fluids – check that brake and hydraulic fluids are still good, replace any that looks dirty, and refill reservoirs
Brakes – look for cracks or leaks in lines, inspect the pads and test for any scraping or squealing noise
Inspect the drive belt tension and look for cracks or tears, or if you have a chain look for damaged links and worn or broken teeth
Tires – replace worn tires and check for pressure leaks
It’s also a good time to make sure your headlight, brake lights and turn signals are all working properly. And if you bought a new bike or haven’t ridden all winter, safety experts recommend that you take a test ride to see how everything is working and have an opportunity to regain the feel of the road.
California Casualty can join you on the ride with quality motorcycle insurance at competitive rates. We cover most motorcycles, and if you ride something we don’t insure, we can find you motorcycle insurance through one of our partner providers.
TAKEAWAY: Make sure you have the protection you need before you hit the road. Call a California Casualty advisor today at 1.800.800.9410 or visit www.calcas.com/motorcycle-insurance.
Read all the articles from the this edition of the Calcas Connection Newsletter:
Seeing a wall of flames or a madly spinning tornado bearing down on your community or neighborhood is the worst time to wonder, “Do I have enough insurance to build my home again?”
SCHOOL ZONES
BUS STOPS
