Winter Roof Care: Preventing Snow Build-up and Ice Dams

Winter Roof Care: Preventing Snow Build-up and Ice Dams

Snow build-up packs a double-punch threat to your roof – and home. As snow piles up on your roof, it creates two threats over time. One is a heavy snow weight which, if left unchecked, can pose a risk of roof collapse. The other is the formation and persistence of ice dams.

Ice dams form when warm air rises inside your house and warms the roof, melting water that then runs down the eaves. Since eaves are colder, it refreezes there and creates a solid ice block, which then backs up future run-off water behind it. The more snow you have, the more run-off will accumulate. Also, the greater the temperature difference along your roof and the more time the ice deposits have to grow, the bigger your ice dam problems will be.

Keeping both these threats at bay requires a steady habit of keeping that snow in check.



winter roof care

Rooftop Snow Removal

Rooftop snow is typically removed either by raking or shoveling. Your best bet as a DIYer is raking. If you live in a one-story house, you can probably do this yourself. If you live in a two-story or taller home, or you have an abundance of snow to remove, consider hiring a professional (who will most likely shovel, rather than rake). Here are some top tips for safe snow raking.

    • Get the right rake – Look for a rake that has these important features. First: small bumpers, wheels, or rollers near the blade. These keep the blade off the roof surface, protecting it from damage. Second, the handle should have a slight bend to it. This makes it more versatile and easier to use than a straight-handled rake. Third, consider plastic over metal because it’s lighter. Finally, a telescoping feature will allow you to reach more snow.
    • Buy an extension or two – If your rake doesn’t have a telescoping feature, it’s a good idea to buy extra extension poles so that you can rake as high as possible on the roof. And having an extra pole or two tucked away will be good if your main one gets bent or damaged.
    • Rake regularly – Making this an ongoing task throughout the winter will help prevent build-up.
    • Have a plan – It’s important to rake in a particular sequence. First, knock down any hanging icicles. Then, with a rake in hand and firm footing on the ground, work your way around the house, starting with the overhangs (which are most prone to ice dams).
    • When raking, start low – Start at the bottom of the roof and work your way to the top, pulling off a foot or so of snow at a time. Be warned that starting high or pulling down too much snow could bring it tumbling down on you.
    • Stand back – Give yourself some room away from the roof’s edge so that if snow dislodges, it won’t fall on you.
    • Watch out for power lines – Be extremely careful not to hit any overhead lines. In fact, take an inspection walk around your house before starting to rake. Overhead lines are common in older homes.
    • Think twice before salting – Salting the roof can lead to discolored shingles and dead plants or grass.



winter roof care

Preventing Ice Dams

Ice dams can lead to roof leaks, causing structural damage inside your home, as well as water stains, bubbling paint and wallpaper, and mold/mildew formation. Besides keeping up with snow removal (the best strategy for ice dam prevention), here are some others:

    • Insulate your attic – This will minimize heat loss, keeping your roof cooler and melting less snow. It will also save on energy costs.
    • Eliminate air leaks – Seal leaks in the attic, around the chimney, and at entry points for vents and pipes.
    • Vent out the hot air – Proper ventilation will help keep heat from getting trapped and warming concentrated spots on your roof. Consider installing two motor-driven fan vents – one that draws in cold air and one that exhausts hot air.
    • Turn down the heat – Dialing down your home temperature will not only help prevent snowmelt and ice dams, but also save on your heating bill. Check out our easy tips here.
    • If you already have ice dams – Ice dams can do serious and expensive damage to your home – so if you have them, get them removed by a professional asap.

Preventing wintertime damage to your home saves money and headaches over time. In the case of your roof, keeping it maintained and damage-free will extend its life and protect your home’s value. Follow the strategies above and also remember – if the snow is wet, heavy, voluminous, or hardened you should hire a professional snow shoveling service. Finally, getting a pre-winter roof inspection is always a good idea, as it will surface any structural vulnerabilities or problems with your roof.

For more winter home maintenance tips, click here.


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

Preventing Carbon Monoxide Poisoning

Preventing Carbon Monoxide Poisoning

Often called the “silent killer,” carbon monoxide (CO) is an odorless, colorless gas that claims more than 400 American lives each year, sends 20,000 to the emergency room, and hospitalizes more than 4,000.

It is an indiscriminate killer, striking its victims when they’re unaware or asleep. This poisonous gas is produced by burning fuel in vehicles, stoves, lanterns, fireplaces, gas ranges, furnaces small engines, and portable generators. Here are tips for keeping you, your family, and pets safe from it.



carbon monoxide poisoning


Prevention Tips For Your Home

Here are top strategies to prevent an inadvertent CO leak or exposure in your home.

    • Install at least one battery-operated or battery back-up CO detector on each floor of your home, including the basement and garage (if it’s attached). Detectors on your main floors should be inside or directly outside the bedroom or sleeping areas.
    • Test your alarm(s) monthly, replace batteries every six months and replace the units themselves every five years.
    • Maintain yearly inspection schedules for your heating system, furnace, water heater, fireplace, chimney, and any other gas or coal-burning appliances.
    • When buying gas appliances, only buy those carrying the seal of a national testing agency.
    • Make sure all gas appliances are vented properly.
    • Never burn charcoal or use a generator or portable gas camp stove indoors.
    • If you smell an odor coming from your gas refrigerator, have an expert check it – the odor could indicate it’s leaking CO.



carbon monoxide


Prevention Tips for Your Car

Your vehicle actively produces CO every time you start the engine, so do the following to stay safe.

    • Take your vehicle to a trusted mechanic yearly for an exhaust system check. Small leaks can cause CO buildup inside your car.
    • Do not run your vehicle inside an attached garage, even with the garage door open.
    • If your car has a tailgate, make sure you open vents or windows anytime you open the tailgate while the engine is running – if you open only the tailgate, CO fumes will be pulled into the passenger area.



carbon monoxide poisoning


Symptoms of CO Poisoning

It’s important to know that symptoms can vary in terms of severity, and often mild symptoms are mistaken for the flu (although without fever).

    • Low to moderate poisoning results in:
      • Fatigue
      • Headache
      • Nausea
      • Dizziness
    • High-level poisoning results in:
      • Confusion
      • Vomiting
      • Loss of muscular coordination
      • Loss of consciousness
      • Ultimately death

If you or a family member are experiencing any of these symptoms get outside to fresh air immediately then call 911.



carbon monoxide poisoning


When Your Carbon Monoxide Alarm Sounds

First off, you should know – from regular testing – what the different beep sequences and alarm sounds mean. For instance, there may be different beep patterns indicating low batteries, a detector that needs to be replaced, and a true CO emergency. When you hear the CO emergency signal:

  1. Do not try to find the source of the leak – instead, immediately move outside to fresh air.
  2. Call 911, emergency services, or the fire department.
  3. Do a headcount for all family members and pets (do you have a family emergency plan in place?)
  4. Do not re-enter your home until emergency responders have given word that it’s safe to do so.


When it comes to carbon monoxide poisoning, it’s best to err on the side of abundant caution. A person can be poisoned by a small amount of the gas over a long period of time, or by a large amount during a short time. The measures above should keep both your indoor air quality and your family safe and healthy.


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

6 Winter Home Hazards and How to Avoid Them

6 Winter Home Hazards and How to Avoid Them

With cold weather comes extra hazards. Be on the lookout for these six common ones, so you can avoid injury, accidents, and damage to your home.



home winter


1. Unsafe Heaters and Furnaces

Make sure your heating system has been inspected by a professional (ideally well before winter arrives). This will ensure that it’s prepped for the hard work of heating your home through frigid temps and doesn’t break mid-season, leaving you scrambling for repairs. Here’s how you can keep it in working order:

    • Wipe it down regularly to get rid of dust and debris; you can also gently vacuum it with a nozzle/brush attachment.
    • Clean vents and adjust dampers in all rooms.
    • Replace dirty filters as needed.
    • Listen and watch for strange sounds or behavior. Do a visual check from time to time for frayed wires or other damage (pests can attack without your knowledge!).
    • If you have a furnace, be sure to check the pilot light regularly (follow manufacturer’s instructions).



winter home safety


2. Fireplace Hazards

Like your heating system, your chimney, flue, and supporting structures need an annual inspection (and possible cleaning). Schedule inspections at the same time for an easy maintenance routine. Besides inspections, be sure to:

    • Clean out ash after every fire – excess ash can reduce airflow and make your next fire dangerous.
    • Never leave a fire unattended, and always make sure it’s completely extinguished before leaving it for the night.
    • Use a fire screen for extra protection and consider fireplace doors if appropriate.
    • Check your smoke and carbon monoxide alarms to make sure they’re working properly.
    • For more indoor fire safety tips, check out our blog post.



winter home safety


3. Porch and Deck Safety

The areas immediately surrounding your home and entrances pose a special risk for slips, falls, and other injuries resulting from ice. Protect yourself, your family, and any visitors with these precautions.

    • Remove snow from decks, walkways, porches, and your driveway as soon as possible to prevent a melt-and-refreeze cycle (i.e. black ice).
    • Consider slip-resistant finishes and coatings, deck strips, or even mats in high-traffic areas.
    • Make sure handrails are secure and in good working order to provide stability when stairs are slick.



winter home safety

4. Gutters and Roofs

Following a theme from earlier on, it’s imperative to get your roof inspected annually so that you become aware of any problems and can get repairs done before winter sets in. Then, throughout the season:

    • Keep gutters cleared out so that water goes down the spout where it’s supposed to, rather than finding other cracks or crannies to get into.
    • If you live in a snowy area, clean gutters can also help prevent ice dams from forming and causing costly damage.
    • Remove snow from your roof regularly with a roof rake.
    • Use that same rake to remove any icicles that have formed.



winter home safety


5. Power Outage Prep

Snowstorms and freezes can easily take out power lines, leaving you in the cold and dark. Have your emergency plan and power back-up ready in case you need it. Additionally:

    • Have a two-way radio for news concerning the outage (make sure it’s solar-powered, uses batteries, or is hand-crank).
    • Have a hand-crank or solar-powered cellphone charger so you can keep in touch with family, neighbors, and friends.
    • Invest in a generator, and always have flashlights, lanterns, and extra batteries on hand.
    • If you don’t have an emergency kit or plan for your family, make one today.



winter home safety


6. Germ Safety

Illnesses, including the flu, coronavirus, and others surge during winter months because we’re usually indoors and in close proximity to others. Be sure to stick to the routine precautions for COVID-19 prevention – including mask-wearing, frequent handwashing, and social distancing – to keep yourself and your family safe. Pandemic fatigue is real, but sticking to the guidelines will keep us all – including our nurses, doctors, and other health care workers – healthy until a vaccine is available.

Many times, making sure your home is prepped for winter hazards means thinking ahead in summer and fall. Keeping up with your yearly inspections can uncover problems with chimneys, heating systems, and your roof that could cause major headaches and damage right when the thermometer is plunging. Taking actions early – and keeping an eye out year-round – will give you peace of mind during the winter so you and your family can enjoy a cozy, serene and safe 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

What To Do if You Get Caught Driving in a Snowstorm

What To Do if You Get Caught Driving in a Snowstorm

There’s never a good time for severe weather to hit, but among the worst is when you’re on the road. A sudden snowstorm can quickly impair your visibility, make road conditions extremely dangerous, and affect how your car handles.

Stay safe on wintertime roads with these tips for driving in snow, whiteouts, and on ice.




winter weather conditions


First, some general winter-weather rules of thumb

The below apply to all bad weather driving scenarios.

    • Make sure your tires have plenty of tread before winter weather hits – or better yet, install winter tires.
    • Check the weather before you leave the house; if it’s too bad, wait it out.
    • Clear all snow, ice, and dirt from windows, windshield, brakes, and all other lights before leaving your driveway.
    • Drive slowly the entire time while on the road (the more dangerous conditions, the slower).
    • Drive smoothly, avoiding sudden movements on the steering wheel, brakes, and control panels.




driving in snow


Driving in Snow

The quality of snow in a snowstorm can vary widely, depending on wind speed and direction, moisture levels and more. The snow might be slushy or dry, sparse or voluminous, and it might be falling straight down or at a sharp angle. All of these variables affect how you should proceed on the road, but the following will keep you safer across many conditions.

    • Go slow – Increase your following distance to at least 8-10 seconds.
    • Be hyper-aware of your surroundings – Vigilance on the road will help you avoid snow dangers and also spot (and get out of the way of) out-of-control drivers who are sliding your way.
    • Don’t use cruise control – It’s important that you’re paying close attention and that you’re able to react to road conditions quickly.
    • Use your headlights – Make sure your headlights are on (no matter the time of day), and that they’re on dim and not high. This will help your visibility and also help other drivers see you.
    • Adjust how you brake – If you’re coming up on a stop sign or signal, come to a stop slowly (that extra following distance comes in handy here). Don’t slam on your brakes, as this can put you into a skid. If you have anti-lock or ABS brakes make sure you’re comfortable with how they work in all weather conditions, including snow.
    • Know when and how to stop – Don’t stop if you don’t have to (starting again can be dangerous and difficult), and never stop on a hill. If you must stop, remember it takes vehicles longer to come to a stop in snowy conditions.
    • Drive in the tracks of the car in front of you – This will make it easier to control your vehicle.



driving in a whiteout


Driving in Whiteout Conditions

Whiteouts may be one of the most dangerous of snowy conditions. Here’s how to handle it if you find yourself in one.

    • Remain calm – This is harder said than done but trying to remain calm will help you avoid over-reacting or making poor decisions.
    • Slow WAY down – The most dangerous thing about a whiteout is the sudden loss of visibility. Slowing down will give you time to see what other drivers are doing and have time to react if an accident or other emergency happens right in front of you.
    • Make yourself visible to other drivers – Just as you can’t see other drivers, they can’t see you. Make yourself as visible as possible by turning on your headlights (fog lights are best if you have them), and perhaps even your hazards. You can even use hand signals out the window if you need to.   
    • Wait out the whiteout – If visibility drops to zero and you feel unsafe, look to the nearest exit and pull off. From there, find a shoulder to pull over on. If there are no exits on your stretch of highway, pull to the side of the road, turn on your hazards, and wait out the storm.



driving on ice


Driving in Ice

Besides the snow you can see, there may be ice that you can’t. Notoriously hard to see, black ice acts as a glaze that coats surfaces and makes them extremely slippery and dangerous. When driving, you’ll want to be on the lookout – and ready – for it on all roads, but especially bridges, overpasses, tunnels, roads beneath overpasses, and at the bottom of hills. Check out our tips for spotting and safely negotiating black ice here.

When it comes to the downsides of winter, hazardous driving situations are among the top. But between staying off the road when possible, and taking precautions when you do have to drive, you can keep yourself, your family, and other drivers safer.


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

5 Tips for Driving Safe in Holiday Traffic

5 Tips for Driving Safe in Holiday Traffic

The holidays are HERE, and unfortunately so is the holiday traffic. As millions hit the road to travel near and far this holiday season roadways will quickly become overly congested, traffic delays more frequent, and holiday road rage will start to set in for many drivers.

If you are like the thousands of Americans that are choosing to hit the road instead of fly this seaons, follow our holiday traffic safety tips below.


holiday travel


1.Plan Head

Before you hit the road make sure your vehicle is properly maintained and ready for the trip. Plan out your route ahead of time, and if it’s possible, avoid driving through areas you know will be jammed with holiday traffic. Before you head out it’s also a good idea to check the forecast and plan ahead for inclement weather. Don’t forget to pack your emergency car kit!



holiday travel


2. Practice Defensive Driving

The more traffic, the higher the chance for an accident. It’s important not only to drive safely, but also to keep an eye on other drivers. In holiday traffic jams always expect the unexpected, watch for drivers cutting you off, slamming on their breaks, speeding up and slowing down, etc. Be prepared for anything, and always stay attentive behind the wheel.



holiday travel


3. Avoid Distractions

Distracted driving causes thousands of fatal traffic accidents every single year. Add in holiday traffic and distracted driving becomes even more dangerous and deadly. We know it can be hard to avoid common distractions like your phone, especially when you are driving long distances by yourself, but it’s important for your safety that you keep your eyes on the road and your hands on the wheel at all times.



holiday travel


4. Keep Your Cool

If someone makes a decision that makes you angry when you are driving, try not to let it affect you. This may be hard, but getting angry doesn’t solve anything. Road rage is a form of distracted drive because you cannot think clearly. If you start to feel yourself becoming angry or anxious try listening to music, taking deep breaths, and remember there is nothing you can do about other driver’s decisions or to make traffic move quicker- so stay calm.



holiday travel


5. Watch for Animals

Deer move with cold fronts. This means as the temperature continues to drop and as we get closer to the end of the year, the likelihood of seeing or hitting a deer increases. Hitting a deer, or any other animal, can total your vehicle, hinder your plans, and even cause serious injury (or death). Stay alert and watch for animals, especially if you choose to travel in rural areas at night.


If you plan on making multiple stops or staying at any hotels during your trip, be sure to follow our Traveling Safely During the Pandemic guide.

Safe travels and Happy Holidays! 🙂


This article is furnished by California Casualty. We specialize in providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or

Zoom Family & School Holiday Party Ideas

Zoom Family & School Holiday Party Ideas

Much like all else in 2020, this holiday season is sure to look a little different this year. And unfortunately, many of us will not be together, like we had planned; but that doesn’t mean we have to miss out on all of the fun with our friends and families!

Whether you are a teacher hosting a party for your remote learning class or a family staying socially distant at your holiday gathering, we’ve got an array of ideas to help you have fun at your virtual holiday party.

Check out our list of Zoom holiday party ideas below.



ugly sweater


1.Virtual Ugly Sweater Contest

No holiday party is complete without everyone going completely all out in their festive gear! Invite each person on your Zoom call or in your virtual classroom to show off their ugly sweaters and have everyone vote on their favorites.

Don’t want anyone to have to buy an ugly sweater? Try dressing up with Santa hats, elf ears, or reindeer antlers; or hold a contest for the best holiday decor or funniest holiday Zoom background! The possibilities are endless. For prizes print off certificates or send e-gift cards.



virtual holiday


2. Play a Game

There are tons of games that you can play together with your class or friends and family that can be taken virtual like: Trivia, Simone Says, Scattergories, Heads Up, 20 Questions, Zoom In, etc. Here are a few funs ones that you can try with your crew:

    • Carol Pictionary
      • Use the Zoom whiteboard feature, split into teams and take turns guessing the carol that is being drawn, you must SING the carol to win.
    • Charades
      • Come up with a fun list of Holiday sayings or movie titles, have everyone split into teams, and let the fun begin
    • Festive Bingo
      • Make or buy virtual bingo cards and email them out prior to your event
    • Name That! – Holiday Edition
      • Have someone volunteer to DJ (if you are a teacher that means you) and challenge your guests to name that Holiday Tune! You could even play using short youtube clips of your favorite festive movies.
    • Guess the Gift
      • Have each player wrap something up as a “gift” and everyone else try and guess what it is by asking only questions!



virtual holiday party


3. Send Holiday Gift Boxes & Open Them

Wish everything going on in the world today, it can be hard to get into the holiday spirit. Sending a holiday gift package can be an easy way to spread cheer and a physical reminder that even though you are apart, you can still celebrate together. You can even have everyone wait to open them until you are on your virtual call together. Here are some ideas of what you can include in your packages:

For Students: Holiday bingo card, hot chocolate, holiday-themed or cozy socks, a handwritten note, holiday-themed pens, pencils, or note pads, candy

For Friends and Family Members: Holiday games to play, homemade treats, holiday drinking favorites, gift cards, holiday-themed clothing items: ugly sweaters, hats, socks, etc., blankets, holiday movies, photo booth prompts




virtual holiday party


4. Do Holiday Crafts

What’s not to love about holiday crafting? It’s cheap and something that you can do with people of all ages. You can even keep your creations and use them as decorations next year! Here are some easy(ish) holiday crafting ideas to try:




holiday scavenger hunt


5. Host a Virtual Holiday Scavenger Hunt

This past year we’ve all spent a lot of time sitting behind the screen. Scavenger hunts are easy ways to get everyone up and moving and they are so easy to do! To make an at-home holiday scavenger hunt, come up with a list of festive items or descriptions of items that can easily be found inside everyone’s home this time of year (or you could just find one on Pinterest).

If you plan on making your own scavenger hunt here are some easy ideas to put on your list:

    • Something shiny
    • Something makes noise
    • Something the Grinch would love
    • Something you could put in a stocking
    • A prop that could have been used in “Home Alone”
    • Something a reindeer would eat
    • Something better than presents
    • Something you could use as a Tree
    • Something that resembles snow
    • Something as tall as an elf
    • Something you can tie into a bow

Have a good laugh when everyone comes together (virtually) to share their findings!




virtual christmas


6. Enjoy a Holiday Treat Together

What brings people together more than food? Exactly. Have everyone bring one (or more than one) of their favorite treats to the party to enjoy while doing other activities!

For Teachers: You can send them holiday treats before your party, or have them bring a treat of their choice (doesn’t have to be holiday related) to eat with their peers while having fun!

For Friends and Family Members: Make your favorite holiday dishes or desserts to enjoy surrounded by your favorite people.




virtual holiday


7. Host a Talent Show

Have each person come to the virtual party with a Holiday talent in mind to show off to their peers. This can be anything from acting out a Holiday movie, singing or playing an instrument to the tune of a Carol, showing off their design skills by dressing up as a well-known character, telling Holiday Jokes, decorating cookies, or gingerbread, etc.

The talent show is purely for entertainment purposes and should be voluntary so shyer party-goers can sit back and have fun watching the show, but don’t forget to send out a signup sheet at least a week before so everyone has time to prepare!


and last but not least, remember to…




virtual christmas party


8. Keep Up With Any Traditions

We may not all be together right now, but that doesn’t mean we should stop partaking in our holiday traditions. It may take some adapting, but you’ve got this! It’s important (especially for our kids) that we can continue to make happy memories during the most wonderful time of the year.

For Teachers: If it’s traditional for your kids to create holiday cards for their parents- send your kids a holiday card template, let them decorate it, and give it to their parents. Or if you usually make ornaments, take time during your virtual party and work together online as a class to create them!

For Friends and Family Members: If your family has traditions like baking together, singing carols, putting on your new PJs, and watching movies- you can do all of these things virtually at your holiday party as well. Sure, it’s not the same as being together, but it’s the next best thing.


Don’t forget! – No party is complete without some festive tunes! Check out our kid-friendly Holly Jolly Holidays Playlist on Spotify to set the mood for your virtual holiday party this season. Click here to listen.




This article is furnished by California Casualty. We specialize in providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or

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