by California Casualty | Firefighters, Health, Helpful Tips, Peace Officers, Safety |
When temperatures soar, staying cool isn’t just a comfort—it’s a matter of safety. For law enforcement officers and first responders, the summer heat adds another layer of challenge to already demanding duties. Whether directing traffic under the blazing sun or responding to emergencies in heavy gear, heat stress can sneak up fast. Here are some smart, practical strategies to help you keep your cool.
Suit Up for the Season
Your uniform is your armor, but under the summer sun, it can turn into a sauna. Choosing the right gear can make a huge difference in staying cool.
- Go Light and Breathable: If your department permits, opt for summer uniforms made from lightweight, moisture-wicking materials like mesh, rayon, cotton, or lightweight polyester. These fabrics help sweat evaporate quickly, keeping your body temperature in check.
- Add Cool Extras: Cooling vests, neck wraps, and other personal cooling gear can provide extra relief on scorching days—just make sure they’re approved by your department.
- Bike & Traffic Patrol Tips: Tactical shorts and ANSI-certified high-visibility polos keep you mobile, visible, and comfortable.
- Head-to-Toe Comfort: Swap out heavy hats for breathable, UV-protective caps—department approved of course. Choose moisture-wicking socks—many of which include anti-odor features—to keep your feet dry and blister-free.
Pro Tip: Wear your ballistic vest on the outside. In summer, it’s better to skip layering over it. Outer vest carriers offer protection and breathability—without sacrificing your uniformed look.
Hydrate for the Long Haul
When you’re in the sun for hours, even mild dehydration can take a toll. Drink early and often.
- Water Is #1: Drink before, during, and after your shift. Don’t wait until you’re thirsty.
- Try Coconut Water: It’s a great natural source of potassium and electrolytes.
- Skip These: Caffeinated drinks, sodas, energy drinks, and alcohol all dehydrate you. Caffeine constricts blood vessels and acts as a diuretic, while alcohol sets you up for a rough shift the next day.
Eat to Beat the Heat
It takes a lot of energy for our bodies to digest a steak dinner. When our body breaks down protein, it creates heat. Don’t let heavy meals weigh you down. Aim for lighter, heat-friendly meals and snacks leading up to and during your shift.
- Choose Hydrating Snacks: Watermelon, peaches, apricots, and radishes are great choices.
- Select Leafy Greens: They’re loaded with water and easy on your system.
- Enjoy Smart Fuel: Choose lean proteins and whole grains to keep energy up without overheating your body’s digestive system.
Don’t Forget Sunscreen, Bug Spray & Other Essentials
It’s not just the heat. Make sure you protect your skin from damaging rays and uncomfortable, itchy bites.
- Slather the Sunscreen: Apply broad-spectrum SPF 30+ generously and reapply every two hours, especially if you’re sweating.
- Bring the Bug Spray: This is essential if your beat includes grassy or wooded areas. Mosquito bites are more than just an annoyance.
- Take Towels in the Cruiser: Keep a stash of clean towels to wipe off sweat and help you cool down quickly. Try a cooling towel; it will absorb your sweat and create a cooling effect.
Know When to Rest
Recovery is just as important as readiness. Smart breaks can keep you from overheating and reduce the risk of heat-related illness.
- Take Breaks: When possible, rest in the shade or an air-conditioned vehicle. Short pauses throughout your shift can help regulate body temperature and maintain focus.
- Watch for Warning Signs: Learn to recognize early symptoms of heat stress—like dizziness, nausea, or confusion—and act quickly if they appear.
- Use the Buddy System: Keep an eye on your partner—and yourself—for signs of heat exhaustion.
- Have a Heat Emergency Plan: Know what to do if you or a colleague begins to show symptoms. This goes for K-9 partners, too!
Know the Warning Signs
Heat illness can escalate quickly—from cramps to exhaustion to life-threatening heat stroke. Be alert for these symptoms:
Signs of Heat Stroke:
- Body temperature above 103°F
- Dizziness or disorientation
- Nausea or vomiting
- Headache
- Hot, red, dry skin
- Rapid heartbeat
- Confusion
If you or a partner exhibit any of these, take immediate action:
- Get to a cool area
- Remove excess gear
- Apply cold compresses or ice packs to the forearms, neck, or groin
- Seek medical help immediately
As law enforcement officers and first responders, you face challenges every day—especially when the heat is on. That’s why we’re proud to protect the heroes who protect all of us. From custom insurance coverage to exceptional service tailored to law enforcement professionals, we’ve got your back—on duty and off.
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 | Homeowners Insurance Info |
Winter is here and while some renters may not be responsible for every task- like snow or ice removal- this season, there are still important steps you need to take as a tenant to make sure your home or apartment is ready for the cold months ahead.
Follow our renter’s winter maintenance checklist below.
1. Know your responsibilities. Before the cool weather hits, schedule a meeting with your landlord or property manager to see what your responsibilities will be for the winter and what will be taken care of by the property owner. In an apartment, some winter responsibilities, like laying down salt, plowing driveways, heating and cooling tune-ups, etc. are taken care of by the complex. But if you are renting a home, you will need to check for clarification– with your landlord or take a look at your lease agreement- on whose responsibility it will be to make sure your home gets properly winterized.
2. Test out the heat. It’s better to know early on if there are any problems, so run the heat for a bit even if it’s not yet cold enough. Be on the lookout for odd smells when the heat is on. Take note of any issues, such as inconsistent heat throughout your apartment or house. You can ask your landlord about scheduling regular inspections of your HVAC system, chimney or fireplace. Regular maintenance of your appliances helps keep everything in good working order. Remember to check the batteries in your digital thermostat if it has them. Also test your smoke alarms and carbon monoxide detectors. You may need to replace batteries on your own, but you could always ask your landlord for a reimbursement on your purchase.
Pro Tip: Turn your ceiling fans on low in reverse (clockwise when looking up) to circulate warm air and help save on heating costs.
3. Clean inside and out. Just as you might do spring cleaning, it’s time to clean for winter. Vacuum the vents and change out the filters in your HVAC system to improve air quality. Remove dust and dirt from fans, radiators, heat registers. Sweep under appliances. Clean the drains in your sinks, bathtubs, showers, and dishwashers. While you’re at it, check for any signs of dripping that could signal a problem, and alert your landlord immediately. Clean your garbage disposal. If you’re renting a home, clear any debris in your yard. Remove wet leaves from gutters – or alert your landlord. If they remain, water can back up, causing leaks and ice dams and ultimately damaging your home’s roof and siding.
4. Check for drafts. As a renter, you’re responsible for paying utilities. Make sure you’re not losing heat this winter to cracks or openings near windows or doors. Weatherstripping is the most likely to be landlord-approved, but you also could caulk to fill in these areas if allowed. Speak to your landlord about what is approved and what has been done in the past. And don’t forget to cover or remove your window air conditioners to prevent additional drafts.
5. Protect your water lines. If you’re in a house, disconnect and drain garden hoses, turn off the sprinkler system, and cover outside faucets with insulating foam covers (your landlord may have these from previous winters, so check with them before purchasing any). If the temperature drops below 20 degrees, keep one or more faucets running slowly to keep the line from freezing. Open up cabinet doors where pipes are located to allow warm air to circulate and warm the pipes. Always know where your water main is located in case you have to shut it off. Call your landlord if you suspect a pipe has frozen or broken. He/she may direct you to point a space heater at the frozen pipe or call a repairman to take a look.
Pro Tip: If you go on vacation this winter- even if it’s just for a few days, don’t turn the heat completely off. Leave it at least 55 degrees to prevent any problems with frozen pipes.
6. Prepare for snow and ice removal. Generally, apartment complexes and landlords are responsible for snow and ice removal in public areas, but you may need to clear these potential hazards on your own if you are renting a home. Know the state laws for snow removal and your landlord’s policies. Consider buying a snow shovel and some salt/ice melt if you don’t have it. Some communities prohibit the use of salt so you can use synthetic ice melt or cat litter. Talk to your landlord immediately if your notice any damage from snow or ice.
7. Have an emergency plan. Extremely low temperatures are dangerous and can even be life-threatening, especially coupled with snow and ice. Sign up for severe weather alerts with your town or county and have a disaster plan in place, along with an emergency kit fully stocked with food and water. Notify your landlord of any issues as soon as possible before they spiral out of control. And know the emergency contact number to call or text if the heat or power goes out.
8. Protect your home. Starting at around $10 a month, renter’s insurance is an affordable option and a necessity for renters. Your landlord’s coverage will not cover your personal items. Being well prepared is your best defense against unwanted surprises this winter. And at such a low cost, this coverage will pay for itself.
Pro Tip: Bundle your renter’s policy with a California Casualty auto policy and you may qualify for discounts on your premiums! Speak to an agent today to see how much you can save.
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 | Safety |
Spring storms – including lightning, hail, flooding, high winds, and even tornadoes – can catch you or family members away from home. Finding safe public shelter during severe weather can be hard enough, but coronavirus has made that (like everything else!) even more difficult.
Follow these tips to stay as safe as possible from the storm and the virus.
First things first: Sheltering during a pandemic
Your number one priority during a severe storm is finding a safe place to shelter; the second priority is protecting against Covid-19. In other words, don’t let a fear of the virus preclude you or family members from seeking life-saving shelter. That said, shelters that are open will most likely post notices that those who seek shelter to do so at their own risk. If they’re able, they may provide hand sanitizer, hand-washing stations, and perhaps even face masks. They’ll also be strict about occupancy limits.
Know where to go
Depending on the size and population of your area, there may or may not be designated public storm shelters in your community. Check with your local emergency manager or fire department, the American Red Cross, FEMA, or other emergency weather preparedness body well ahead of the storms for shelter locations. From there, check to see which shelters are open and operating during the pandemic – you may find that some have decided to close until the virus is under control.
Where to go
When a storm does hit, even designated shelters that are open during the pandemic may close their doors due to overcapacity (public shelters aren’t designed for thousands of people). If you end up needing to find shelter on the fly, remember these tips.
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- If seeking shelter in public buildings, seek out substantial ones. Reinforced concrete buildings are usually stormproof.
- Small rooms, such as restrooms, storerooms, windowless closets, or other small sturdy rooms, are better than large ones.
- Auditoriums and gymnasiums are not generally safe.
- Avoid high walls that could collapse.
- Get underground or under a table. Cover your head.
- If basements are not available, go to a first-floor room.
- Stay away from windows, glass, and large rooms.
- Do not shelter in a mobile home or vehicle.
Protecting against COVID
If you are able to get into a shelter (or end up sheltering with others at a non-designated location), follow the same COVID precautions that are habit by now: social distancing as much as possible, always wear a mask, and use hand sanitizer and/or wash hands frequently. Cover your sneezes and coughs and avoid touching high-touch surfaces. Try not to share food or drink with anyone, if possible. If you made it into a shelter, they will have policies and rules for protecting public health as much as possible – follow all instructions from the shelter staff.
Plan ahead
With all these various factors to deal with, you can give yourself and your family an edge by preparing in advance. Your two best weapons will be: Having a personal/family plan and staying informed. So, before the storms come:
- Make a plan. Ensure that you and your family have a plan for severe weather events. For example, if your kids are at baseball practice or you’re at work or running errands, make sure everyone knows where to go if severe weather hits. Know the local shelters that are open during the pandemic, add them to your family’s emergency plan, and make sure all family members know and can act upon the plan.
- Tune in and stay aware. All family members need to stay informed by trusted sources. Set up redundant sources of information so that you don’t miss any alerts. These might include:
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- Phone apps and emergency/weather websites
- Programmable all-hazard radios
- Local news stations and media
- Carry supplies in your car at all times. This is a great time to double-check your vehicle’s emergency kit (and for that matter, your grab-and-go emergency kit). Replace batteries, food, water, or any other items that may be expired. If you haven’t already, add coronavirus supplies as well – masks, hand sanitizer, and soap.
It can’t get much worse than a severe storm during a pandemic, but knowing what to do and how to protect yourself and your family can give you an added layer of security and confidence.
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, Safety |
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.
Prevention Tips For Your Home
Here are top strategies to prevent an inadvertent CO leak or exposure in your home.
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- 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.
Prevention Tips for Your Car
Your vehicle actively produces CO every time you start the engine, so do the following to stay safe.
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- 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.
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).
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- 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.
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:
- Do not try to find the source of the leak – instead, immediately move outside to fresh air.
- Call 911, emergency services, or the fire department.
- Do a headcount for all family members and pets (do you have a family emergency plan in place?)
- 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 www.calcas.com.
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.
