We live for those carefree summer days spent splashing in the water, but they may have a dark side- drowning is the leading cause of unintentional death in children ages 1 to 4. It is often silent and quick, meaning it only takes a few minutes of unsupervised time in the water for a tragedy to unfold.
The good news is that by taking the proper safety measures and establishing rules for your pool, you can decrease the risk level of drowning.
While you and your family are having fun in the sun, remember to follow these important summer pool safety tips.
Assess Your Pool Area
First, take a look at your pool and the area around it. There are several things you can do to improve overall safety:
Pool barrier – Consider installing a fence around your pool to prevent access by children and pets. A 4-sided barrier reduces drowning risk by 83% compared to a 3-sided fence (one that uses the house as the 4th side). Make sure the barrier is at least 4 feet tall and that gates are self-latching and self-closing.
Secondary barrier – If your home does open directly to the pool, install door alarms and locks that are out of children’s reach.
Above-ground pools – Make sure to lock or remove steps/ladders or anything else that can be used for pool access in the absence of adult supervision.
Pool covers – Power safety covers are your best bet for safety. Keep the control device out of reach of kids and ensure the cover is closed when the pool’s not in use.
Pet doors – Small children can crawl through pet doors, so ensure there are no doors leading directly to the pool. This keeps both kids and pets safe.
Drain covers – Install anti-entrapment safety drain covers, which will prevent all-too-common entrapment accidents.
Underwater pool alarm – Consider installing an underwater pool alarm, which goes off whenever anyone enters the pool. They are surprisingly affordable for the peace of mind they offer.
Establish Rules and Safe Behaviors
Having agreed-upon rules and behaviors sets the tone and parameters for safety. Adopt the following and add your own!
Don’t go in or near the pool unless an adult or water watcher is present.
Swim with a buddy.
No diving.
No running.
No pushing.
Stay away from drains and other areas with suction.
If someone’s in trouble or struggling, get help immediately.
For adults, swim sober and only supervise others when you’re not distracted.
Prepare for Emergencies and Know the Risks
Keep the following in mind as an added layer of protection.
Never leave a child unattended around a pool or hot tub. Stay within arm’s reach of young children and anyone who can’t swim.
If a child is missing, check the water first.
A silent killer. Drowning is almost always quiet (and quick), not loud and splashy as depicted on TV. All the more reason for a designated water watcher and for all adults to be on high alert when children are in or near water.
Make sure all family members know how to swim. Everyone should have basic swimming and/or water competency skills. For children still learning, adult supervision and help with competency is essential.
Minimize your liability. Pool owners are subject to lawsuits if someone is injured or worse in their pool. So, ensure that all rules and safety measures are understood and followed — by anyone using the pool. Consider adding coverage to your homeowner’s policy for liability lawsuits and check on what it covers in the context of pools.
Share safety instructions with others. It’s a good idea to post pool rules and safety instructions poolside so that everyone — including guests such as friends, family, babysitters and neighbors — sees, knows, and follows them.
Peace of mind is priceless. By adopting the tips above, you can rest easier this summer in and around the pool.
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.
Emergency preparedness will help you and your family stay safe in the event of a disaster. House fires, flash flooding, and natural disasters can happen anywhere at any time, and as we move into summer- hurricane and wildfire season, the risk for an emergency is even greater.
Coronavirus (COVID-19) has completely changed the way we interact with others- and will for the foreseeable future. That’s why it’s important to take action now to make sure you and your family are prepared for an emergency situation, while still taking the proper precautions to avoid COVID-19.
Here’s how to be prepared for an emergency during the middle of a pandemic.
Make a Preparedness Kit
Emergency Preparedness Kits are kits built for you and your family to have in the event of a disaster. These kits include all essential items that you would need to survive i.e. bottled water, toilet paper, copies of important documents, medication, food, chargers, hygiene items, etc.
The Red Cross recommends that during COVID-19, you should assemble two different emergency kits for you and your family.
Stay-At-Home Kit- This kit should include 2 weeks of emergency supplies. In the event that you or your family are exposed to the virus and you have to self-quarantine you should have everything that you would need to survive for 2 weeks without leaving your home.
Evacuation Kit- This kit should include 3 days of supplies in a “go bag”. It should hold all of your basic needs, yet be lightweight and easy to grab/carry in the event of an emergency evacuation. It is recommended that you have enough supplies for 72 hours. This also includes supplies for your health and safety in large crowds i.e. face masks, sanitizer, alcohol wipes, etc.
The Red Cross also recommends that each kit should have a 1 month supply of prescription medication along with fever-reducing medicine and cough suppressants.
Other Disaster Planning Tips
Making a disaster plan during a pandemic requires planning ahead, because of the need for social distancing. In the event of a natural disaster, sheltering in large buildings like school gyms and community centers may no longer be an option, and you will have to seek shelter elsewhere.
Here are some tips, the Red Cross recommends, to help you and your family develop a disaster plan.
Stay up-to-date on COVID-19 advice and restrictions for your state
Have an evacuation transportation plan
Have a safe destination set for your family to meet, if you become separated
Research open lodging (campgrounds, hotels, shelters) and their restrictions, in the event of an evacuation
Keep enough PPE, disinfectant, and medicine in your emergency kit for your family
Do not stay with friends or family who have been exposed to COVID-19, are experiencing symptoms, or are at a higher risk of developing the virus
If you think you have COVID-19 or have been exposed- self-quarantine, keep your distance (if possible), and contact your doctor as soon as you are safe and able.
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.
Floods are the most common of all weather-related natural disasters. They happen in every U.S. state and are more deadly than hurricanes, tornadoes, and lightning.
Among flood events, flash floods can be especially dangerous. Why? They occur suddenly, often without warning. People are caught off guard and usually underestimate the strength, speed, and volume of water. Flash floods can happen within minutes or a few hours of heavy rainfall and can quickly become raging rivers that tear through washes, dry lakes, urban zones, and other low-lying areas.
Flash Flood Alerts: 3 Levels to Know
Staying safe during a flash flood starts with being informed. In the event of heavy rainfall (sustained or sudden), follow your local alert system, NOA Weather Radio, or other emergency advisory for information. Flash flood alerts fall into 3 danger levels:
Flash Flood WATCH—This means flash flooding is possible. A WATCH usually covers several counties. Stay alert and be ready to evacuate if necessary.
Flash Flood WARNING—Issued when flash flooding is happening or is imminent. It’s usually issued for smaller, more specific areas. When a WARNING happens in your area, move to higher ground immediately—you may have only a few seconds.
Flash Flood EMERGENCY—Very rare but issued when there is catastrophic damage and a significant threat to human life.
In the event of a flash flood, whether you’re at home or in the car, here are top tips for protecting yourself.
Staying Safe in Your Car
Never drive through floodwater. Roadbeds may be washed out under the surface, or there could be submerged debris. Also, it only takes 12 inches of rushing water to carry away most cars, and just 2 feet for SUVs and trucks. Remember, when approaching a flooded road: Turn Around, Don’t Drown®!
Stay off bridges over fast-moving water. Bridges can be washed out with little or no warning.
Don’t drive around barricades. Crossing a barrier or driving through a road closure can not only put you in extreme danger but also land you a steep fine by authorities.
Remain in your car if you’re surrounded by fast-moving water. However, if the water starts rising inside your vehicle, exit quickly and get onto the roof.
Use extra caution at night when it’s harder to assess flood danger.
Staying Safe at Home or On Foot
Avoid flood-prone areas such as canyons, drainage channels, streams and culverts.
Do not walk into standing water, even if it looks calm. Waters can rise suddenly, and it only takes 6 inches of rushing water to knock an adult off their feet.
Get to higher ground fast if your home floods. Avoid going to a closed attic, as you may become trapped. Only get on your roof as a last resort.
Keep children and pets close by.
Avoid parking near streams or rivers during flood conditions.
Given that floods are a common and widespread occurrence, it’s smart to have your evacuation plan ready ahead of time, as well as an emergency kit and go bag. To protect yourself against damage to your home, consider buying a flood insurance policy.
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.
Summer is almost here and that means so is bicycle season! Before your child straps on their helmet and takes off down the sidewalk, give yourself peace of mind knowing they are safe by educating them on Bicycle Safety.
Key Bicycle Safety TIPS:
Wear a helmet
Avoid night riding
No loose clothing
Check your tires & brakes
Don’t ride in bad weather
Look at for cars
Follow the rules of the road
Always be on the lookout for hazards
NEVER drive distracted
Save our free Bicycle Safety printable below to give to your children or hang up next to their bike gear as a visual reminder that they can always refer back to.
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.
Unpredictable weather is a trademark of spring:73° and deliciously sunny one day, 41°, and sideways rain the next.
Fluctuating weather during this time of year also plays a major factor in the development of severe spring storms. However, with the right preparation, you can be sure that your home and family are ready to withstand the worst of it.
Follow these preparation tips to be sure you are spring storm-ready.
Be Weather Aware — You can sign up for a number of free weather alert services provided by national or local agencies, weather channels, and power companies. Usually, alerts come to your phone via text message or app, but many have multiple delivery methods. And remember, radio is the old standby, especially in a power outage (so set your emergency radio to the correct station ahead of time).
Trim the Trees — Trim low-hanging limbs, as well as any branches hanging near your home or power lines that could snap off in high winds and cause damage.
Free Your Gutters — Remove leaves and other debris from gutters, drains, and downspouts (best done each spring and fall). This ensures that any deluge of rainwater is quickly diverted away from your home and foundation rather than potentially flooding it. Take the opportunity to check gutters for leaks, damage, and sagging; also make sure they’re securely attached.
Check the Sump Pump — If you haven’t had to deal with a flooded basement, thanks are due to your hardworking sump pump. To keep it in good working order, test it a few times a year, including before spring storms. Clear any debris and make sure it’s working and draining properly. Consider adding a battery-powered back-up pump, or a standby generator, in case of power outages.
Get Ahead of Leaks — Leaks are sneaky … and can cause damage quickly. If you’ve had any leaks in the past, now’s the time to seal them up—before the big rains start. Also do a preventive check on your doors’ and windows’ sealing (inside and outside), as well as in the garage and basement, then fix any gaps or cracks.
Secure Items — By the time the wind is bending trees, it’s too late to worry about securing items in your yard. As soon as storms are forecast, bring items like patio furniture into the garage (or secure them in place outside). Anything that can become a projectile should be moved inside. Also close and secure shutters around your home. Drawing interior blinds and shades provide yet another layer of protection against flying debris and broken glass.
Get Your Plans in Place — When the storms roll in, you’ll be glad you made plans ahead of time.
Storm Safety Plan — Create a safety plan with your family, and make sure everyone understands it and is on board. This would cover things like shelter-in-place locations in the home, evacuation routes, communication protocols if you’re separated, and a plan for your pets.
Emergency Kit — Regularly check your kit and add, replace or discard items as needed. See our checklist here for a full emergency kit inventory. At the very least, prepare the following for storms: first aid supplies, flashlights with new batteries, two gallons of water per person, a hand-crank or battery-powered radio, a three-day supply of non-perishable food for your family and pets, and a two-month supply of any necessary medications.
Be Ready for a Power Outage — Are you ready for a few days of no power? Charge all phones and electronic devices ahead of time. Make sure your generator is operational and ready to go. Fill your car’s gas tank (and some cans for your generator). For more tips, check out our power outage safety hacks. Finally, remember to use surge protectors when the power is being restored.
As the saying goes, “An ounce of prevention is worth a pound of cure.” When it comes to safeguarding your home, the steps above can go a long way toward preventing costly damage, headache, and hassle. And there’s no time like the present to start!
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.
About half of all Americans have been financially affected by the coronavirus. Many have lost jobs or are dealing with reduced hours, and those still working might be anxious about what’s on the horizon. Lean times—even the possibility of them—call for fiscal prudence.
Here are some tips to cut costs and put yourself and your family on better financial footing.
Evergreen Principles
These tips are wise moves in any economy, but especially important right now.
Revise your budget. Depending on your family’s situation, your income and expenses might look very different from just a few months ago. Review with fresh eyes how much money is coming into and out of your household.
Cut the fat. What are your essential expenses? For most people, it’s rent/mortgage, groceries, loans, and utility payments. For all other expenses, reassess what you really need—and don’t be afraid to make cuts.
Lower your energy bill. Adjusting your thermostat just a few degrees can translate to dollars saved. Also, check your doors and windows for easy-to-fix gaps that may be leaking air.
Consolidate your entertainment. Streaming services and subscriptions can add up quickly. Only keep those you use; and turn off “auto-renew.” Cutting your cable can also mean big savings.
Check cell phone & internet bills. Your plans may have add-ons (extra data, faster speed, etc.) that you’ve forgotten about or don’t need. Ditch those, and then call to change or negotiate your plan—and don’t be afraid to switch providers (many will lower your bill to keep your business).
Get smart on groceries. Plan meals ahead of time to reduce impulse buys at the store. Make large meals (soups, stews, salads) in big batches to last for days. Vegetarian meals are especially budget-friendly. Also, look at your food waste—and use what you buy.
Made for These Times
Sometimes crises come with opportunities; in the case of coronavirus, there are some new ways to save.
Coronavirus resources. The federal assistance available to those impacted by coronavirus includes resources for unemployment, healthcare, loans, stimulus checks, and business aid. Check the site to see if you’re eligible.
Free subscriptions. Many digital platforms are offering free subscriptions right now. From streaming services and educational programs to online workouts, you can find a lot just by doing a web search.
Low refinance rates. The Federal Reserve’s recent slashing of the interest rate translates to very low rates on loans. If you were considering refinancing your mortgage or another large loan, this might be a great time.
Lower debt interest. Federal student loan interest (along with principal) has been suspended until September 30, 2020. Check with your other creditors to see if they will work with you to lower your interest rate or temporarily suspend it.
Eviction, rent, and mortgage protection. Due to widespread hardship, there are assistance programs available for rent and mortgage payments, as well as protection against eviction. Check your state’s programs and the Federal website.
Summer Skip option. Educators who are California Casualty policyholders can opt to take a break from premium payments during the summer months.
If you’re able to, pad your healthcare and emergency savings as much as possible. If you’re expecting a tax refund (tax day has been extended to July 15), try to stash that in savings.
Hopefully, the lean times will be temporary, but you’ll never regret saving money where you could.
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.
