by California Casualty | Homeowners Insurance Info, Safety |
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.
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:
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- 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).
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:
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- 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.
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.
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- 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.
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:
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- 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.
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:
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- 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.
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 www.calcas.com.
by California Casualty | Peace Officers |
Today is National Law Enforcement Appreciation Day (LEAD) – a day designated to honor the more than 800,000 men and women across the country who have taken the pledge to protect and serve.
From fighting crime and saving lives to ensuring public safety, responding to accidents, and building community relations, law enforcement officers improve our communities in a million different ways every single day.
In fact, their work is so foundational to our everyday sense of safety and security that it can be easy to forget all that they do. So today, join us and millions of other Americans in showing appreciation for our officers in blue.
Here are some things you can do today and every day to show your support:
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- Send a thank you card to your local police department.
- Wear blue in support of law enforcement today – you could also make your social media picture blue for the day, or even change it to your local police department’s logo or insignia.
- Ask your kids – and/or those in the neighborhood – to write letters to peace officers. If your kids seem interested in officers’ careers, sign them up for a mentorship or other program offered by police departments.
- Follow your local police department on social media – you’ll not only be more aware of local news and alerts, but also gain a greater understanding of all that your department deals with. And when you have a good experience with law enforcement, give them a shout-out on your page! Boosting the positive highlights the good that officers do day in and day out.
- Support officer causes and fundraising drives. Better yet, volunteer! As a civilian, you can help supplement and support officers by doing things like clerical tasks, assisting with search and rescue, reporting graffiti in neighborhoods and helping with equipment and property inventory.
- Participate in initiatives, projects and programs launched by your local police department to build relationships in their communities. These might include events like National Night Out, Coffee with a Cop or even neighborhood barbeques.
- Take part in Project Blue Light, which honors and remembers officers who have been killed in the line of duty. Your local community most likely has a Facebook page.
- Help prevent police suicides. Check out Blue H.E.L.P. and click on “Get Involved” to see how you can help.
- Give blood in honor of fallen heroes – C.O.P.S and the American Red Cross co-host a national Blue Blood Drive every year.
- Donate – Direct financial support can help organizations that serve officers achieve greater impact. Here are some law enforcement and first responder charities to consider (and some general tips on doing your due diligence with any charity organization).
- Participate in law enforcement surveys – These help by providing honest feedback from community members around policing efforts or areas of concern.
- Sign up for your Neighborhood Watch program – start here.
- Check out these additional tips – especially relevant during the pandemic.
Most importantly, say “Thank you” whenever you get the chance. In-person, on social media, wherever – use your voice to support officers. Their job asks them to put their lives on the line every day; by sharing thanks and gratitude you can help boost their morale and make those tough days a little brighter!
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.
by California Casualty | Finances, Good to Know |
Was one of your New Year’s resolutions to start saving money, or to start spending a little more wisely? The best way to save money for you and your family’s future is to create a budget.
Most people cringe at the thought of sitting down and going over their finances, but budgeting doesn’t have to be scary. Even if you think you are in good financial standing you may be shocked when you sit down and go through the numbers. A budget will help you monitor your flow of money and get rid of unnecessary spending, saving you money each month, so what’s there to lose?
Here are 7 easy steps to begin setting your budget.
Step 1. Sit Down Together
Get together with your significant other to calculate the total amount of money you each have coming in each month. From there you will be able to more accurately know where you can cut spending and start saving.
Step 2. Find Out Your Essential Spending Costs
When you begin to sit through and work out your family’s budget, it’s important to start by writing out all of the essential spending your family does each month. This will include payments for your mortgage, rent, bills, insurance, auto loans, student loans, schooling, daycare, food, prescriptions, and essential groceries and clothing.
Step 3. Find Out Your Non-Essential Spending Costs
Next, you will write all costs that may not be essential, but you would like to keep putting money towards them each month. If you have any non-essential spending that you don’t use anymore this would be a good time to start cutting that spending out to help you save. Non-essential monthly spending could include just about anything, like streaming services- Netflix, Hulu, Spotify, or Disney +, etc., subscription and other services like Amazon Prime, Adobe Creative Suite, Dollar Shave Club, Stitch Fix, etc. It could also include any club or gym memberships, extracurriculars, etc.
Step 4. Set Aside Extra Cash to Pay off Debts
By paying off your debts more quickly you can get yourself in better financial standing for the future. To do this start, use the money that is left that you have calculated from your essential and non-essential spending, and start by paying a little above the average monthly payment on your credit cards. Do this every month until you get the balance low enough to completely pay them off. It doesn’t have to be much, a few extra dollars here and there will still get you closer to paying debt off than the minimum payment. You can also do this with your other loans, like your car or home, as well. You can either do this with multiple debts or choose one debt to pay off at a time; it depends on you and your preference and financial situation.
Step 5. Set a Limit for Extra Spending
Setting Limits may be hard at first, but when you sit down and calculate your average cost at the grocery store or your weekly retail therapy, you may find out that you are overspending. Set a reasonable limit for yourself when you go shopping, one that fits into your budget, and stick to it. Bye overspending.
Step 6. Leave Yourself Some Room
A common mistake in budgeting is not leaving room for events that take place throughout the year like, Holidays, Birthdays, Weddings, Back to School, Baby Showers, etc. If you have an event coming up, know to keep a little bit of extra money out to put it towards. Even if the event is your family going out to eat once a month, remember to leave yourself some room. One of the best ways to do this without overspending is to take out a cash deposit and put it in an envelope to use on that date. That way it is out of your account, you have a spending limit, and the rest can go towards your savings.
Step 7. Determine How Much You Can Save
Once you have all of your spending calculated, you can then determine how much you can save each month. Assuming that some of your payment already goes into your 401k, it’s important to also contribute a personal savings account every month or every paycheck. Think of your personal savings account as a nest-egg for you and your family in case of emergencies. It is wise to contribute enough money into this account until you have reached an amount that could support your family’s essential needs for at least 6 months. Do not pull out of this account.
If you would like to start a savings account that you want to attribute money towards each month for additional life events like college, home-ownership, your own wedding, engagement rings, renovations, family trips, vacations, etc. open a new account, a new one that doesn’t include the nest-egg savings you have built, and start contributing what you can until you have reached your goal.
BONUS TIP: Track Your Spending
To stay on track is to monitor your spending. You should track every dollar moving in and out of your account. There are hundreds of budgeting apps that can help you, or you could just make it a point to look at your online banking at the end of each day. Tracking all of the cash flow in real-time will help you cut out costs that aren’t necessary or that you may not use as often as you think you do. This will also help you monitor your account for any suspicious purchases or accidental charges.
Budgeting doesn’t have to be scary, and if you get the math wrong on your first month that’s okay. Fix some spending/saving and try again, and don’t be afraid to make adjustments where they are needed. It’s your money, find whatever works for you and your family.
Happy budgeting!
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.
by California Casualty | Auto Insurance Info, Safety |
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.
First, some general winter-weather rules of thumb
The below apply to all bad weather driving scenarios.
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- 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
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.
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- 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 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.
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- 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 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 www.calcas.com.
by California Casualty | Auto Insurance Info, Homeowners Insurance Info |
The same winter wonderland scene that gives us soft snowdrifts outside cozy living rooms can also serve up treacherous blizzards, freezes, and black ice.
Contrary to its name, black ice is actually clear and forms a frozen “glaze” that coats all kinds of surfaces and can cause slips, falls, and car accidents. It’s incredibly dangerous not only because of how slippery it is but also because it’s so hard to spot. Transparent and thin, it can hide in plain sight.
It frequently occurs on roads, sidewalks, porches, pathways, and driveways – in other words, surfaces we frequent to get where we’re going every day. Here are some ways to stay safe at home and on the road when conditions are ripe for black ice.
At Home
Besides your driveway, you probably have paved walkways or other hard-surfaced paths around your home. These tips will help reduce injury risk when ice is underfoot, and before it forms.
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- Unblock drains and gutters. This will help melting snow and ice go where you want it to, so it doesn’t freeze on walkways.
- Keep up with snow shoveling. Make sure to keep up with falling snow so that it doesn’t melt and refreeze into a slipping hazard.
- Put out a tarp. If freezing temps are on their way, lay out a tarp or cloth where you want to prevent black ice. This can include your car, porch, pathways, and the driveway.
- Add some grit. You can sprinkle fine gravel, sand, kitty litter, wood ash or coffee grinds on surfaces to reduce slickness. A note of caution that some work better than others and some can leave a mess.
- Consider a snow-melting mat. If you deal with freezing temps very often, you might want to look into heated driveway mats, which can be effective at preventing black ice formation.
- During icy conditions
- Clear out the snow. If snow has fallen, clear it out so the sun can dry the surface rather than melt the snow into ice.
- Consider a de-icer. Use these with caution though (and probably as a last resort), as some can be harmful to pets, your yard, driveway, and the environment. Try not to over-salt, either, for the same reasons.
In the Car
When temps are at or below freezing, avoid driving if you can. But if you have to get on the road, keep these precautions in mind.
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- Check the tires. Tires are the only part of your car that touches the road. The less tread, the less traction. If they’re getting worn, replace them asap. Better yet, get winter tires.
- Know your brakes. Standard brakes perform differently from anti-lock, or ABS, brakes, so make sure you know what kind you have and how they behave in snowy, icy, and other hazardous road conditions.
- Do a winter safety check. Make sure your vehicle is prepped for winter safety (and stranding as a worst-case scenario!) – follow our tips here.
- Double-check your car kit. All it takes is one small patch of black ice to cause a slide that lands you immobile on the roadside. Check that your emergency winter car kit contains everything you need.
- Warm-up your car. Let your car warm up before getting on the road. When you feel the heat coming through the vents, it’s sufficiently warmed and ready to go.
- Improve your visibility. Make sure you set out with 100% visibility. If your windshield is foggy inside or iced over on the outside, use our tips here to get it cleaned off and clear.
- Take your time. Give yourself extra time to get where you’re going and be sure to drive much slower than you normally would – this will give you and other drivers more time to react if you need to.
- Slow down and increase following distance. Give yourself and other drivers more room than normal – and never tailgate.
- Know what to do in a skid. If your car goes into a skid, do not hit the accelerator or the brakes. Instead, steer gently in the direction of the skid, making sure not to jerk the steering wheel. Get the full step-by-step info here.
Your best bet against injuries caused by black ice is to use an abundance of caution, make prevention a habit and develop a “sixth sense” for spotting this wintertime danger. Stay safe out there!
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.
