by California Casualty | Homeowners Insurance Info |
Fall is here! The leaving are changing colors and soon the temperature will drop, but is your home ready for the cooler weather?
Follow our 10 indoor and outdoor tips below to help get your house ready for the winter months ahead.
Indoor:
Use Heavy Duty Drapes – Replacing your regular curtains with thermal drapes will help keep your home nice and warm.
Insulate Windows – Caulk and seal gaps around your windows to prevent cold air from leaking in.
Check Your Heating System – Change your filters and have an HVAC contractor come out and make sure everything is running properly.
Have Your Fireplace Inspected – Have your chimney cleaned once a year by a professional before you use it. They will check for any cracks and clean any soot build-up from the previous winter season.
Test Your Detectors – With homes all sealed up for the winter, there is a much greater chance for carbon monoxide to build up in your home. Make sure all detectors have new batteries and are working properly.
Outdoor:
Check Your Roof – Before the snow and ice, make sure your roof is damage-free and there are no shingles that are missing or loose.
Add Mulch to the Landscaping – Protecting your plants and landscaping from the harsh winter weather by adding a few additional layers of mulch.
Clean Out Your Gutters – Fall leaves and debris can accumulate in your gutters and make it impossible for water, snow, and melting ice to pass through. That is why it is important to clean and clear them out a few times a year.
Trim Tree Branches – Winter storms can wreak havoc on trees, especially dead limps, which can easily fall on your home with a gust of wind or snow/ice accumulation. Trim tree branches over your home and remove dead limbs.
Prep Your Lawn and Lawn Care Equipment – Fall and Spring are the best time to seed your lawn. After, be sure to apply fertilizer with winterizer. It is also a good idea to drain gas from any mower or weed eater that you will not use until the spring.
Stay warm this cool-weather season, and for more cool weather tips, check out our Fall Preparation Tips for Your Home blog here.
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 www.calcas.com.
by California Casualty | Consider This, Homeowners Insurance Info |
Fall is the perfect time of year! The summer heat begins to fade, leaves don their annual colors, football games take over the weekend, and pumpkin-flavored everything hits the shelves. fall preparationHowever, it also serves as a reminder, that as the days grow...
by California Casualty | Calcas Connection, Good to Know |
While winter weather has been lingering for a couple of months, there’s still more to come. Did you know that heavy rains, blizzards, and ice storms often arrive in February and March across many parts of the country?
Here are a few life-saving tips to remember as you get on the road this season.
- Remove bulky coats/jackets when buckling children into car safety seats.
In an accident, the material will squish down and the harnessing system will be too loose to be effective. Layer blankets on your child’s lap after buckling them in.
A list of recommended warm clothing that won’t interfere with car seat safety can be found here.
- Keep your gas tank at least half full.
This prevents water condensation from getting into and freezing up fuel lines. A frozen fuel line means limited gas supply to the engine, stopping you in your tracks.
- Use wiper fluid that is formulated to NOT freeze.
Windshields coated with ice or splashback from roads create dangerous visibility. You will need to clean your windshield while driving, and only fluid that stays liquid will do the job.
Experts recommend carrying tire chains, jumper cables, a shovel, ice scraper, and even spare wiper blades. Other life-saving items include bottles of water, high-calorie foods and snacks, blankets or sleeping bags, a spare pair of boots, flashlights, gloves, solar cell phone chargers, and a first aid kit. Kitty litter for traction is also a good idea.
- Be aware of deadly carbon monoxide in your vehicle(s).
If you can smell exhaust in your vehicle’s cabin, you should have your systems checked. Leaks in exhaust systems, defective ventilation systems, and even an unsecured back hatch or partially open trunk can allow carbon monoxide gas into your vehicle. Tailpipes blocked with snow or ice can send carbon monoxide into the vehicle too.
Also, warming a car in a garage, even with the door open, allows dangerous concentrations of the gas into the vehicle and even into your home.
It’s important that everyone knows the symptoms of carbon monoxide poisoning.
- Bring essential medications in case you get stranded.
- Don’t venture out in extreme conditions unless it’s an emergency.
You are not only putting your life in danger, but also the lives of first responders who will have to venture out to search for you if you get lost or stranded.
TAKEAWAY: Find more winter driving tips and preparation at the California Casualty blog.
by California Casualty | Pets, Safety |
Even though they are covered in fur, pets still feel the effects of winter weather. Temperatures below freezing with wind chill can cause serious harm, sickness, or even death to domesticated animals, like cats and dogs. Animals need protection from the cold, just...
by California Casualty | Auto Insurance Info, Safety |
Undoubtedly, when the roads are covered in snow and/or ice the best option is to just stay hunkered down at home. However, for the majority of us, that’s not an option. In fact, 70 percent of US roads are located in snowy regions. and each year over 116,000 people are injured driving in the snow and ice.
Accumulation on roadways reduces tire friction and vehicle maneuverability and greatly increases the risk of accidents. So, as winter approaches and you make the necessary preparations to your vehicle, make sure you remember these winter driving safety tips to ensure you arrive at your destination safely.
- Decrease your speed and leave yourself plenty of room to stop.
- Allow at least 3 times more space than usual between you and the car in front of you.
- Brake gently to avoid skidding.
- If your wheels start to lock up, ease off the brakes.
- Turn on your lights.
- This will make you more visible to other motorists.
- Keep your windshield clean.
- Once it has defrosted, keep the windshield wipers on to wipe away all falling snow and avoid it freezing over again.
- Use low gears to keep traction.
- Drive especially slow on hills to avoid rolling backward.
- Steer into a skid to avoid a crash.
- This means if your rear wheels are going right, gently steer in that direction.
- Keep an emergency kit in your car.
- This should include a first aid kit, flashlight, water, blankets, and snowmelt or sand/kitty litter.
- Be on the lookout for black ice.
- Black ice is barely visible and makes roadways, bridges, and overpasses extremely slick
- Don’t pass snow plows.
- The drivers have limited visibility, and you’re likely to find the road in front of them worse than the road behind.
- Don’t assume your vehicle won’t have problems.
- Even 4-wheel drive automobiles can have issues on ice and snow!
If your rear wheels skid…
- Take your foot off the accelerator.
- Steer in the direction you want the front wheels to go.
- If your rear wheels start sliding the other way as you recover, ease the steering wheel toward that side. You might have to steer left and right a few times to get your vehicle under control.
- If you have standard brakes, pump them gently.
- If you have anti-lock brakes (ABS), do not pump the brakes. Apply steady pressure to the brakes. You will feel the brakes pulse — this is normal.
If your front wheels skid…
- Take your foot off the gas and shift to neutral, but don’t try to steer immediately.
- As the wheels skid sideways, they will slow the vehicle and traction will return. As it does, steer in the direction you want to go. Then put the transmission in “drive” or release the clutch, and accelerate gently.
Stay warm & be careful out there!
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.
