Party Hosting Safety Tips- Super Bowl Sunday

Party Hosting Safety Tips- Super Bowl Sunday

Don’t spend your time worrying about an accident on Super Bowl Sunday, follow these party hosting safety tips and set your focus on the big game (and the commercials).

 

Party Hosting Safety Tips

Be a Good Neighbor

Just in case things get a little loud, let your neighbors know that you plan on hosting a Super Bowl party. As a courtesy let guests know where to park, so they do not block any driveways, and keep the party indoors or in a fenced-in yard.

Keep Your Pets Safe

Bring pets indoors and lock them in a separate room, far away from the commotion, with a TV or noise machine on. This will not only help them feel less anxious, but it will also give you peace of mind that they are safe and can’t run away.

Check the Food                              

Make sure your guests do not have any food allergies before you start prepping your meal. As you are cooking, remember to keep raw meats away from other food items and to always wash your hands between dishes.

Lock Up Valuables

Before inviting guests into your home make sure that you have all jewelry, cash, and other expensive items locked safely away and out of sight.

          Monitor Alcohol Consumption

Have guests who plan on drinking use Uber or another rideshare service, and make sure to have a set cutoff time at least an hour before the party is over.

Make Sure You are Covered

Let’s face it, accidents happen; especially when you have a rowdy crowd on your hands. Make sure you are covered by your homeowner’s or renter’s insurance policy. If you are unsure, give your California Casualty advisor a call today.

 

The Proper Coverage for You

If something in your home gets broken or stolen while you have people over, your policy will cover it. But, if you have high-value items like jewelry, antiques, collectibles, or furs, you will need to add extra coverage – scheduled personal property. 

If you are serving alcohol, be aware, that hosts can be liable if others are hurt by anyone driving from your party while intoxicated. It’s called the social host liability law. Personal liability coverage will also help in this situation by covering payments of medical bills and lawsuits from someone who was hurt on or off (leaving) your property. However, there are limits, so talk to your insurance advisor about an umbrella policy, for greater coverage.

 

Other Hosting Safety Tips

Here are some other important safety tips to keep in mind when hosting a party or get together.

-Hire a babysitter for young children

-Get approval from your Homeowner’s Association

-Install proper lighting inside and outside of your home and remove items that could cause someone to trip and fall

-Consider holding your getting together at a restaurant or bar, so you won’t be liable

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.

 

 

Freezing Out Broken Pipes

Freezing Out Broken Pipes

The plumbing in your home could be in danger when temperatures dip below zero, and the last thing you want to deal with when it thaws is a burst pipe, which can lead to substantial damage in your home.

All that water can eat through drywall, destroy carpets and fry electronics. The Federal Emergency Management Agency estimates that just two inches of water can cause more than $10,000 in repairs and replacement of flooded items. Six inches of water can add up to more than $30,000!

Before the thermometer plunges, here are things you can do to prevent pipes from freezing:

  • Disconnect outside hoses from faucets
  • Insulate water pipes, especially along exterior walls and unheated areas
  • Add insulation to walls and attics where pipes may run
  • Know where the shutoff valve is to your home

Once the sub-zero weather hits you should:

  • Let faucets drip to prevent freezing
  • Keep the thermostat above 55 degrees
  • Make sure garage doors are closed
  • Open kitchen and bathroom cabinets to allow warm air to circulate around the plumbing

So you’ve prepared and kept as much heat as possible going to cold areas, but the cold air still froze a pipe; what now? Stay calm but act as quickly as possible to:

  • Locate where the pipe is frozen
  • Open the nearest faucet to relieve pressure when the ice thaws
  • Slowly warm the pipe with a heating pad, hairdryer, space heater or wrapping it with hot towels – never use a blow torch or open flame

If the pipe has cracked or broken, immediately turn off water at the main water valve and call a plumber. Shutting off the water will prevent further damage.

And if you have damage from a broken water pipe:

  • Try to prevent further damage
  • Contact your insurance company as soon as possible
  • Take photos or video of the damage
  • Don’t make permanent repairs until the insurance company adjuster inspects the damage
  • Keep all of your receipts for emergency repair work or temporary housing if you are forced out of your home or apartment

Once a pipe freezes, odds are it will happen again. Here are some tips to prevent it in the future:

  • Hire a plumber to relocate to a warmer area
  • Add more insulation in walls, attics and crawl spaces
  • Wrap the pipe with electric heat tape, when temperatures drop, plug it in

Remember, if a burst pipe sends water into your home, contact a California Casualty Claims advisor as soon as possible; we can help get you started on the clean-up.

 

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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.

Space Heater Safety Tips – Don’t Get Burned

Space Heater Safety Tips – Don’t Get Burned

Winter is officially in full swing, and that means many of us will start to get out the portable heaters to combat those brisk nights and chilly mornings- that is, of course if you haven’t done that already. space heater

Used properly, portable heaters are a godsend, but it’s extremely important to pay attention to the possible dangers associated with that trusty little plug-in heater.

Portable heaters are responsible for an estimated 25,000+ home fires each year, causing terrible burns to thousands of people. Imagine how you’d feel if not paying attention to a simple appliance caused the destruction of your home or hurt your family.

That’s why you should follow these Space Heater Safety Tips 

  • Never use an unvented combustion heater indoors (safety experts recommend electric heaters instead)
  • Only purchase or use newer models that have current safety features and the Underwriter Laboratory (UL) label
  • Keep the heater on a hard, level, non-flammable surface such as ceramic tile
  • Make sure the heater is at least three feet away from flammables like bedding, drapes, furniture, and papers
  • Keep pets and children away from space heaters
  • Always turn the heater off when you leave the area
  • Never leave a space heater on when you go to sleep
  • Check to see if it has a tip-over safety switch that will automatically turn it off if it falls over
  • Avoid using extension cords and never run the cord under carpeting or mats

Pro Tip: these safety tips also apply when turning on the heat for the entire house. If you haven’t already, the National Fire Protection Association recommends us to have our heating system, or chimney, checked and serviced each year by a qualified heating and cooling professional to make sure it’s fire safe and there are no carbon monoxide leaks. It is also recommended to change the batteries in your smoke and carbon monoxide detectors during this time.

 

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Related Articles:

Fire Prevention Tips for the Holidays

Holiday Light Safety

The 6 Most At-Risk Fire Areas of Your Home

 

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 visit www.calcas.com.

New Year’s Eve Party Safety

New Year’s Eve Party Safety

We are about to turn the calendars to welcome in the beginning of a new decade – 2020!

Tonight, millions will gather around the world to ring in the New Year, and if you are hosting a New Year’s Eve party, remember; safety is the number one priority. Every year, people are hurt from slips, falls, and other numerous dangers associated with drunken New Year’s celebrations.

Here are some important party-planning safety tips you need to consider if you’ll be hosting a gathering to celebrate the arrival of 2020.

    • Clear decks, steps, and sidewalks of tripping  hazards
    • Keep pets locked or gated in a room away from the commotion
    • Remove jewelry or other valuables from areas where guests might be
    • Use battery-operated candles instead of flammable ones
    • Avoid setting off or using fireworks
    • Don’t leave food on stoves or in ovens unattended
    • Check for food allergies before serving any dishes
    • Keep foods warmed or cooled to proper temperatures to avoid foodborne illnesses
    • Limit alcohol consumption
    • Arrange for designated drivers, ride-sharing, or provide a place to stay for inebriated guests

Unfortunately, even when you take the best precautions, accidents can happen. But don’t fear, a homeowners or renters insurance policy with high liability limits will help protect you if the worst should happen. That’s why you should contact a California Casualty advisor today to make sure you are fully covered for the holidays.

Don’t forget to ask about special coverages for high-value gifts like jewelry, musical instruments or fine art when you call 1.800.800.9410 or visit www.calcas.com.

 

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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.

 

Holiday Light Safety

Holiday Light Safety

Author, Sheryl Turner, is a grant writer for Nenana Volunteer Fire/EMS Department in Alaska and a member of the National Volunteer Fire Council.

Hi, Everyone…This past weekend we spent quality time with our Goddaughter and her family in Carlsbad, California. My husband and I live in Alaska, and our Goddaughter and her family live in Arizona. Best place to meet? Carlsbad works every time. Like many, we were celebrating the Holidays, enjoying being together and telling stories from years gone by. One of the subjects that came up was how decorating for the Holidays has changed over the years. This year, especially, we noticed that some stores started as early as October, just before or after Halloween, setting up Christmas displays and selling artificial trees! It surprised some of us that families seem to have also started decorating their Christmas trees a lot sooner than they have in past years.

As we drove around San Diego, La Jolla, and Carlsbad, California, we could not believe how many lights we saw. I told the kids that when my husband and I left Indiana last Thursday night, December 5th, I had never seen so many houses decorated, inside and out, this early in the season. The one thing that really surprised us, was how many people are using a traditional real pine tree, while others have elected to use an artificial tree.

As we discussed differences in the use of traditional or an artificial tree, our conversation shifted to sharing our thoughts on lights and decorations. Seeing that my husband and I have a law enforcement background and are now volunteers with the Nenana Volunteer Fire/EMS Department in Nenana, Alaska, and our Goddaughter’s family is with the Yuma, Arizona Fire Department, and the Department of Law Enforcement and Security at United States Army Proving Ground in Yuma, Arizona, it did not take long for our conversation to shift and stay on the home fires caused by Christmas trees, and discuss tips and reminders that may help keep this year a safe and fire-free Holiday Season.

Our Goddaughter and I did some research online to see how many home fires are actually caused by faulty wiring, bad light bulbs, etc. (NFPA.org has really good information and Background Information). We checked various sights and compared the information. Overall, they all agree:

  •  Between the years of 2013-2017, U.S. Fire Departments responded to an average of 160 home fires per year that started with the Christmas trees. These fires caused an average of three deaths, fifteen injuries, and $10 million in direct property damage annually.
  •  On the average of every 52 reported, home fires began with a Christmas tree, resulted in a death. Compared to an average of one death per 135 total reported home fires.
  •  Electrical distribution or lighting equipment was involved in 44% of home Christmas tree fires.
  •  In 25% of the Christmas tree fires, a fire started because, some type of heat source, such as a candle or equipment was too close to the tree.
  •  Approximately 1/5 (21%) of Christmas tree fires were intentional.
  • Roughly ¾ of Christmas tree fires occurred in December or January.
  • Two of every five (39%) home Christmas tree fires started in the living room.

Although we are well into the 2019 Holiday Season, we still need to remember fires do not start themselves. Remembering a few simple tips about protecting your home and family, and possibly your local firefighters, is a great place to start:

  1.  Place Your Christmas Tree in a Safe Place: Make sure when you put up your tree, it is at least three feet away from any heat sources, like radiators, fireplaces, and heating vents.
  2.  Check Light Strands Before Putting Them on the Tree – Before you begin decorating, make sure the wires on your lights are not frayed. Check each strand and replace lights for cracked, chipped, or unlit bulbs. Make sure the lights are working correctly.
  3.  Lights Out – Always turn the Christmas lights off before you go to bed.
  4.  Plug No More Than Three Strings of Lights into One Plug –  Plugging in more than three sets of Christmas lights into a single extension cord can be dangerous. Doing so may cause problems with overheating. However, it depends on both the strand’s wattage and the maximum watt capacity of the plug. If you are unsure of how to check the wattage, you can use a power strip with a built-in circuity breaker instead of your wall outlet.
  5.  LED Lights – If lights you are using are getting too hot, substitute and use LED Lights. They are not as hot as the traditional lights.
  6.  Hydrate Your Tree – It is important to keep your Christmas tree hydrated. Remember, other than overheated Christmas lights, fires are also caused by dry Christmas trees. A dry tree will be more flammable compared to the one that’s been properly watered. If you prefer a real Christmas tree, make sure you check the water every day to prevent the tree from drying out. However, if you’re not too attached to a real Christmas tree, it’s actually safer to purchase an artificial Christmas tree made from fire-resistant materials.
  7.  Take Your Tree Down – Don’t keep your Christmas tree up for very long. Once the needles begin to fall, the tree becomes at more risk of a fire starting.
  8.  Outdoor and Indoor Lights – Use outdoor lights outside and indoor lights inside. Christmas lights are labeled by their use, so you’ll notice a disclaimer that reads “for indoor use only” or “for indoor and outdoor use.” Make sure you read this carefully as indoor-only Christmas lights cannot be used for the outdoors. Indoor-only lights aren’t insulated like outdoor lights and won’t work with moisture from the outdoors. In fact, if indoor lights are exposed to water, snow or any other outdoor element, they could possibly become hazardous.
  9.  Use of Ladders – Since falls are the highest emergency room-related injury during the holidays, it’s important to know how to safely use a ladder when hanging Christmas lights off the roof of your home or in any other space that would require a ladder. Have a spotter with you at all times to hold the ladder for stability. When hanging Christmas lights, never extend your body further than parallel with the ladder to prevent tipping. Consider a wooden or fiberglass ladder when you’re working with Christmas lights to prevent an electric shock.
  10.  Use Christmas Light Clips, instead of nails or screws, when hanging outdoor Christmas lights on your roof. Don’t use nails or screws to secure the lights as they can puncture the wires, causing the lights to malfunction, or worse, shock the person installing them. Instead, opt for light clips found at any hardware store to secure the lights onto the house. The light clips are safer for the Christmas lights and will cause less damage to your roof, compared to nails or screws.
  11.  Need to Use an Extension Cord ? – If you need to use an extension cord or have a long strand of lights between your Christmas tree and outlet, make sure you secure all loose light strands with electrical tape to avoid tripping and falling. If you have loose light strands outdoors, secure them with ground staples found at any hardware store. Simply place the staple around the light and push as far as you can into the grass or other soft surfaces to secure the cord.
  12.  If you don’t have access to an outdoor outlet, you may find it challenging to light up your home this holiday season. Remember that you can’t run Christmas lights or extension cords through windows or doors. When closed on the light strand, windows and doors can cause wires to break or become frayed from constant pressure, making them a safety hazard for shocks or electric fires.
  13.  Use A GFCI Outlet for Outdoor Lights – There’s a specific outlet used for outdoor Christmas lights called a ground-fault circuit interrupter (GFCI) outlet. It prevents electric shock from electrical – systems that could be exposed to wet conditions, like rain or snow, acting as a circuit breaker. This is especially helpful if your outlet is outdoors. Make sure you protect yourself and your home from electric shorts by purchasing a GFCI outlet. You might need to hire a licensed electrician to install this outlet or you can install it yourself.
  14.  Don’t Forget to Turn Off the Lights – Christmas tree lights should not be left on for prolonged periods of time or overnight. Even LED lights can overheat, and with a combination of a dry Christmas tree, could cause a fire. Make it a habit to turn off your Christmas lights every time you leave the house or go to bed at night. To make it easier, purchase a light timer for your Christmas tree lights and set it to a time to turn off every night and back on the next day. You can also buy a wireless control to shut off your lights through an app on your phone. Not only could this save your home from a fire, but it could also save you money in electricity bills.
  15.  Be Sure to Store Lights Properly Until Next Season – When the holiday season is over, make sure you don’t slack on putting away your decorations. Check the local laws of your city for how long you can keep up your holiday decorations. Some cities will ticket homes who have their holiday decorations up past a certain date. Store all outdoor and indoor Christmas lights in a well-sealed container to prevent water damage and rodent access. Knowing how to properly install and maintain your Christmas lights could save you money in electricity bills, prevent you or a loved one from getting an electric shock and eliminate the chance of a home fire. Follow these tips this holiday season to keep you and your home safe.

We all need to stay aware of what is happening around us. Be observant. Watch for Christmas lights that are not working; something against the cord that could start a fire; animals climbing the Christmas tree and being in danger; leaving lights on when no one is home; not turning lights off before going to bed. Remind our families, colleagues, friends, everyone about the chances of Christmas trees starting a home fire that cannot be stopped. It only takes a spark to start a fire…

My family and I wish you all a very happy and safe holiday.

Sheryl TurnerSheryl Ann Turner
Grant Writer
Nenana Volunteer Fire/EMS Department

Preparing Your Home for Holiday Guests

Preparing Your Home for Holiday Guests

No doubt, one of the best parts about the Holiday Season is gathering and spending time with close family and friends, but when you are the host it can become a bit stressful.

With the holidays coming up soon, here are a few last-minute tips to help you and your home become guest-ready in a matter of hours!

 

Declutter

Or at least declutter public areas. There is no need to go all out and scrub every inch of your house from top to bottom (but if you want to, go for it!). Just make sure public areas, entryways, bathrooms, and guest rooms are clean and ready to be seen by dusting and packing away all unnecessary items.

Pro Tip: consider donating the items you find that you barely use.

 

Make Sure You Have Enough Seating

Your guests probably won’t want to stand all night, so make sure you have seating to accommodate at least the majority of them. If you are low on space, it may be wise to invest in some extra barstools or fold-out chairs that could be used in multiple places, like the living area and the kitchen.

 

Have a Plan for Your Pets

An abundance of guests can make even the calmest pet anxious. Anxiety can trigger the fight or flight response and your pet may feel no choice, but to act aggressive or try to escape.  Before your party starts make sure you have a plan in place for your pet, whether that be putting them up the entire night in a separate room or leaving them gated out in a designated area.

 

Add Light

Christmas Lights are easy décor that can brighten up space and make it look festive and inviting all in one. Just be sure you don’t have cords everywhere that could cause your guests could trip! Another quick and easy light source is a candle. Find a perfect Christmas scent and let it burn all night in a safe space away from flammable objects.

 

Stock Your Fridge

Make sure you have enough items that will please every guest. This doesn’t mean cook for everyone individually, it could be as simple as getting an assorted meat and veggie tray or cooking one entrée and having your guests bring side dishes and desserts. Don’t stress out and feel like you have to feed an army by yourself, as long as there is variety people will be happy.

Pro Tip: stock up on coffee.

 

Make Extra Supplies Easily Accessible

Get out your extra cups and silverware days before guests arrive, that way you aren’t scrambling to make sure you have enough supplies.  Set out extra pillows and blankets in guest rooms and place towels and toiletries out in the open, so they can be found easily by guests. This way there is no confusion at the end of the night when everyone is settling in.

 

Play Background Music

Nothing is worse than an awkward silence, so keep the party going- even when the conversation stops-  with some Holiday-themed Background music. Pull up Spotify on your phone and play it through your TV or any Alexa Device and you are good to go. We even have a Holiday Playlist already created for you! Visit: https://spoti.fi/2r1wIZk

 

Lastly, make sure you have personal liability coverage. Most people assume that their home insurance will provide all the liability coverage they need in case a guest has an accident on their property, but this isn’t always true. Personal liability umbrella insurance gives you an extra layer of insurance protection. This can be critical if someone is injured in your home or on your property.

Hosting can be hectic, so don’t be afraid to ask for help! Holidays should be cherished, not dreaded.

Happy Holidays, from all of us at California Casualty!

 

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.

 

 

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