by California Casualty | Safety |
Halloween is less than a week away… but on the East Coast, something far scarier is brewing.
As Hurricane Sandy sets her sites on our shores, meteorologists warn that the hurricane conditions could mix with a winter storm to create a hybrid superstorm.
Due to the storm’s hybrid nature, and its Halloween-timed landfall, news agencies have dubbed it…
The Frankenstorm.
but for every Frankenstorm, we of course need…
Frankensafety.
But… how exactly does one prepare for a storm that is an unprecedented mix of both winter and hurricane conditions?
We thought you might ask.
Since reports are all over the map–with some saying the storm will be a dud and others calling it the storm of the century–we’re going with the prepare for all possibilities plan.
Frankenstorm is a two-headed beast. So below are some safety and preparation tips to tackle both hurricane safety and winter storm safety ‘head on.’
Hurricane Safety Tips:
- Build an emergency kit. Tips for building the kit can be found here
- Learn the elevation of your property and whether it is flood-prone
- Study community hurricane evacuation routes
- Know where you would go if a hurricane hit
- Make a plan on how to evacuate. A downloadable Family Emergency Plan can be found here. Print it off and complete it.
- Practice your plan
- Develop a plan for your pet. A great list of steps and supplies from the Federal Alliance for Safe Homes (FLASH) can be found here.
- Don’t forget about your business. Hurricane preparation does not end at home. Here is a great Business Survival Plan from the National Hurricane Survival Initiative
- Pay attention to the news. Know the guidelines of when you should evacuate and when you should stay. A good guide from the National Hurricane Survival Initiative can be found here.
- Cover all your home’s windows.
- Brush up on your watches and warning terms. That way, you’ll understand the risk and can better make safety and evacuation decisions. A good review from FLASH can be found here.
- Install straps or clips to securely fasten your roof to your frame structure to reduce wind damage
- Keep trees well-trimmed
- Clear loose or clogged rain gutters
- Reinforce your garage doors
- Bring in ALL outdoor furniture, decorations, garbage cans and similar items that are not tied down
- If you live in a high rise, prepare to take shelter on or below the 10th floor
- Print out and LAMINATE (to protect from water), tips for what to do during and after a hurricane and put them with your safety kit. You can find “during and after a hurricane” tips here.
- Check your property insurance policy for appropriate coverage. Here’s some information on California Casualty’s coverage and here’s some information on flood insurance-an important factor in Hurricane recovery.
Winter Storm Safety Tips:
- Prepare an emergency kit. Click here for tips.
- Add these winter-storm specific items to your existing kit:
- Rock salt or other products to melt ice on walkways. Here’s a list of recommended products from the EPA.
- Sand to improve traction
- Snow shovels and snow removal equipment
- Heating fuel in case you lose power. Be sure to store good, dry wood for your fireplace or stove
- Adequate clothing and blankets to keep you warm
- Read, print off, and laminate this Red Cross Storm Safety Checklist. Make sure you have a safety plan, and that you review it with your children
- If it gets cold and you want to use a heater, be SURE to read these safety tips! Portable heaters cause fires!
- Review these tips for pet safety during a winter storm
- Minimize travel. One of the most dangerous places during a snow storm is roadways. If you can, stay inside.
- Listen to the radio and be aware of changing weather conditions. To brush up on your winter snow storm terms, click here.
This Frankenstorm has the potential to be dangerous and deadly. Please protect yourself, your family and your home. Review your safety and preparedness plan BEFORE the storm hits.
(And in the meantime, we’ll hope it’s just like all those bad horror movies: All hype, no scare.)
by California Casualty | Helpful Tips, Homeowners Insurance Info |
That picture-perfect porch or freshly painted shutters might catch your eye but looks aren’t everything when it comes to house hunting. The smartest buyers dig deeper, considering how a home’s layout will work day-to-day, the strength of the neighborhood, and how well the property will hold its value over time. After all, the best home isn’t just the one that charms you at first glance—it’s the one that pays off in the long run.
Here are some key things to look for beyond curb appeal when you’re searching for your next home.
Natural Light
A bright, airy space feels welcoming—and it can save you money on utilities by cutting down the need for artificial lighting. As you walk through a potential home, notice the direction of the windows and how the sunlight filters into each room. Morning light may make a kitchen cheerful, while evening sun could make a family room glow. Don’t just admire the view—test the windows. If they stick or are difficult to open, it might indicate foundation or insulation issues. Outdated windows may also need replacing, which can be a costly project.
Storage Space
It’s easy to fall in love with a home during a tour, only to realize later that there’s nowhere to put your holiday decorations, sports equipment, or bulk groceries. Storage goes beyond closets—think attic, basement, garage, pantry, and even built-in cabinetry. Ask yourself whether the available storage fits not only your current lifestyle but also your future needs. After all, homes have a way of filling up quickly.
Layout and Flow
The layout of a home impacts your daily routine more than you might realize. Picture yourself moving through the space: is the kitchen conveniently located near the dining area? Is there room to entertain friends, host family gatherings, or create a home office if you need one? Pay attention to how the rooms connect. An awkward floor plan can make everyday life feel more complicated, while a well-designed layout adds comfort and efficiency.
Noise Levels
Silence is golden—or at least, peace and quiet can be. While touring, pause and simply listen. Do you hear traffic, barking dogs, or nearby train whistles? Inside, thin walls may let in sound from neighbors or other parts of the house. For a more complete picture, ask future neighbors about noise at different times of day. What’s peaceful during an afternoon showing might sound very different on a Saturday night.
Odors and Air Quality
Your nose knows. Strong odors can signal deeper problems, like water damage, frequently flood basements, mildew, or smoke. Musty smells might point to leaks or poor ventilation, while pet accidents or cigarette smoke can be stubborn to remove. Air quality is not only a comfort issue—it’s a health consideration. If something smells off, take it seriously and investigate further.
Functionality and Condition
Think about whether the home is move-in ready or if you’ll need to tackle renovations before unpacking boxes. Check appliances to ensure they’re in working order. Test faucets, light switches, and outlets. Little things add up, and repairs can quickly turn a “dream home” into a financial drain if you’re not prepared.
Foundation and Structural Issues
A beautiful exterior can hide serious problems. Look for cracks in the basement walls or around the outside of the home. Uneven floors, sticking doors, or gaps in window frames can also be red flags. While not every crack is cause for alarm, structural concerns are best evaluated by a professional inspector before you make an offer.
Features and Maintenance
Extra features can be both a blessing and a burden. A spacious lawn may look like the perfect play area, but it will need regular mowing and landscaping. A pool can be fun in the summer, but it comes with ongoing maintenance, insurance considerations, and added liability. Consider carefully which features enhance your lifestyle and which may turn into costly chores.
School District
Even if you don’t have children, the quality of the local schools impacts property values. Homes in sought-after school districts tend to hold value better and sell more quickly. If kids are in your present—or your future—it’s an even more critical factor. Research test scores, extracurricular offerings, and community reputation to make an informed decision.
Long-Term Value
Buying a home is one of the largest investments you’ll make, so think long term. Look for homes in neighborhoods where property values are trending upward. A smart rule of thumb: buy the lowest-priced home in the best neighborhood you can afford. Over time, that decision could pay off with significant equity growth.
Budget and Affordability
Before you fall for any home, take a hard look at your budget. Factor in more than just the down payment and monthly mortgage. Closing costs, utilities, property taxes, home insurance, and future repairs all add to the bottom line. Don’t forget the cost of a professional inspection—it’s money well spent to avoid surprises later. Getting pre-approved for a mortgage helps you know exactly what you can afford, and protecting your investment with the right insurance ensures peace of mind.
The Bottom Line
Curb appeal matters—it’s often what draws you to a home in the first place. But the smartest house hunters know to dig deeper. Natural light, storage, layout, functionality, neighborhood trends, and long-term value all play a part in making a home the right fit. By asking the right questions and looking beyond the surface, you’ll set yourself up not only for a smooth move-in but also for a smart financial future.
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 |
Stuck in the mud? Whether you veered off the beaten path or got caught in an unexpected downpour, finding your car’s tires spinning in place can be frustrating. But don’t hit the panic button just yet—getting unstuck is easier than you may think. Before you call for a tow, try these techniques to free your vehicle and get back on solid ground.
Why Vehicles Get Stuck in Mud
There are a few common reasons why your car might end up trapped in the mud:
- The ground is too soft or wet. After heavy rain or in naturally muddy areas, the ground may not provide enough support for your vehicle’s weight.
- Your tires don’t have enough tread. Worn-out tires struggle to grip the surface, making it easier to get stuck.
- You over-revved the engine. Spinning the wheels too aggressively can dig them deeper into the mud instead of propelling the car forward.
Different Types of Mud and Their Challenges
Not all mud is the same. Different types of mud can affect a vehicle differently:
- Clay-heavy mud: This mud is extremely sticky and can cake onto tires, reducing grip.
- Sandy or silty mud: This type of mud drains water faster but can create deep ruts.
- Deep standing water with mud: This mud can flood engine components, making escape trickier.
Steps to Get Your Vehicle Free
1. Stay Calm and Assess the Situation
The first thing to do is stay calm. You’ve got this. The first step is to see if you’re able to take care of the problem, or if you need to call for help. If it’s safe to do so, step out of the vehicle and check how deep your tires are stuck. This will help you determine the best method to get unstuck.
2. Clear the Mud Around Your Tires.
Do you carry a shovel in your car? If not, you might want to add one to your car emergency kit. If you have access to a shovel or trowel, use it to dig the mud away from your tires as much as possible. If not, move on to the next step.
3. Create Traction Under Your Tires
Your tires need something solid to grip. You want to give them some traction. Look around and see what you have that might be able to do so.
- Place floor mats, car carpets, sand, gravel, towels, or non-clay kitty litter under your tires. (You can also keep some of this in your car safety kit for future emergencies.)
- You can even try rocks, twigs, or branches if available.
- Position the traction aids in front or behind the tires, in the direction you’re trying to move.
4. Adjust Your Steering Angle
It could be that your tires are in a rut. By turning your steering wheel slightly, it can allow your tires to find a fresh patch of ground with better traction. Do that as a next step, before you apply the gas.
5. Gently Accelerate
You may be anxious to get out of there but don’t press too hard on the gas pedal. That can make the situation worse by causing the wheels to spin. Apply slow, steady pressure to see if your tires can gain traction.
6. Try the Rocking Method
If your car is still stuck, gently shift between drive and reverse to create momentum. This rocking motion can help you inch your way out. Try it a few times but stop if it’s not working so you won’t cause damage to the transmission.
- If your vehicle has winter mode, a differential lock or four-wheel drive, engage it for extra power.
- If you have a manual transmission, start it in second gear to reduce wheel spin.
- If you drive a rear-wheel drive car, shift some weight to the back (such as moving heavy items to the trunk) for better traction.
7. Consider Deflating Your Tires
Letting out a small amount of air increases the tire’s surface area, improving grip. Be careful not to over-deflate—aim to maintain at least 20 PSI to avoid driving on dangerously low tires once you’re out. Make sure to reinflate as soon as possible.
8. Call for Help If Needed
If none of these methods work, it’s time to call in the professionals. A tow truck can safely get your car out. Once your vehicle is free from the mud, inspect it for any damage. Check the tires especially for cuts or bulges. Get your car washed and consider a vehicle checkup if you are concerned.
Prevent Future Mud Problems
It’s not always possible to avoid an emergency like getting stuck in the mud, but these tips can help.
- Drive carefully. Navigate muddy roads with caution and avoid areas that could have deep mud, especially during heavy rains.
- Maintain your vehicle. Check your tires to make sure they have good tread. Replace them as needed.
- Carry essential tools. Keep a shovel, floor mats and other essentials in your car for emergencies.
Finally, protect your vehicle with the right insurance for added peace of mind.
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 | Helpful Tips, Homeowners Insurance Info |
Imagine catching a leaky roof before it becomes a flood or spotting a crack in the foundation before it threatens your home’s stability. A yearly home maintenance inspection empowers you to identify small issues early, saving you time, money, and headaches. With a simple checklist and a little effort, you can keep your home in tip-top shape and avoid costly surprises down the road. Use this list as your guide to stay ahead of potential problems.
Gather Your Supplies
- Binoculars (for roof inspection)
- Flashlight (for inspecting dimly lit spaces)
- Ladder (to reach roofs, gutters, and higher areas)
- Electrical tester (to check outlets and circuits; ask your local hardware store for guidance)
- Moisture meter (to detect hidden dampness)
- Screwdriver set (for tightening fixtures and covers)
- Smartphone or camera (to document areas of concern)
- Notepad and pen (for notetaking and listing repairs that need to be made)
- Conduct a visual inspection of your roof from the ground with binoculars. If necessary, climb the ladder to get a closer look.
- Look for missing or damaged shingles, rusted or damaged flashing around vents, chimneys, or skylights.
- Check for signs of moss or algae and debris accumulation.
- Clear any debris from clogged gutters and downspouts. Check that your gutters, gutter guards, and downspouts are in good condition.
- Make sure the downspouts direct water away from your foundation.
- Look under your roof from inside the attic for water stains, wet insulation, or visible leaks.
Exterior: Siding, Windows, and Doors
- Inspect siding for cracks, warping, or peeling paint.
- Look for crumbling stucco, brick, or loose mortar.
- Check where two materials (like siding and brick) meet. These areas are prone to water infiltration.
- Examine caulking and weather stripping for cracks or gaps. Check seals for drafts or moisture buildup.
- Test windows and doors to ensure they open and close smoothly without sticking.
Foundation and Grading
- Walk the perimeter of your home. Check that the ground slopes away from the foundation to prevent puddles of standing water.
- Look for cracks, bulges, or other structural concerns. Small hairline cracks are normal, but large gaps or shifts require professional attention.
- Monitor retaining walls for signs of leaning or crumbling.
Walls, Ceilings, and Floors
- Inspect interior walls and ceilings for discoloration, bubbling paint, or peeling wallpaper.
- Look for cracks above doors or windows, which could indicate the foundation settling.
- Check floors for unevenness, soft spots, or squeaks.
- Look for stains or damage that may signal underlying issues.
- Pay extra attention to beams, joists, and trusses for structural damage.
Basement, Attic, and Crawl Spaces
- Look for signs of moisture or mold. Check walls and floors for dampness or mildew.
- Ensure attic insulation is intact and not blocking vents.
- Make sure there are no signs of pests.
- Examine floor joists and roof supports for sagging, cracking, or insect damage.
- Verify that crawl spaces are free of standing water and adequately ventilated.
HVAC System
- Test heating and cooling systems. Turn them on to check for unusual sounds or odors.
- Replace air filters and clean vent covers.
- Inspect the furnace and air conditioning units for rust, leaks, or wear.
- Verify that bathroom and kitchen exhaust fans vent to the exterior and are free of debris.
Electrical System
- Test outlets with an electrical tester.
- Inspect the electrical panel for scorch marks, loose wires, or burning smells.
- Replace batteries in smoke and carbon monoxide detectors and test that they work.
- Secure loose outlet covers and check visible wiring for fraying or damage.
Plumbing System
- Check faucets, showerheads, and toilets for leaks, drips or corrosion.
- Check for loose handles or connections.
- Test water pressure and observe how quickly sinks and tubs drain.
- Inspect under sinks and around toilets for water stains, dampness, or mold.
Appliances
- Garbage disposal: Clean thoroughly and check for blockages.
- Water heater: Flush to remove sediment and extend its lifespan.
- Refrigerator and freezer: Clean coils and empty drip trays.
- Fire extinguishers: Check the pressure gauge and expiration date.
If you’re not comfortable doing a home inspection yourself, consider hiring a professional home inspector. This typically costs about the same as when you hire an inspector to check out a home you’re going to buy. When you are ready to make repairs, and you cannot do them yourself, make sure to hire a reputable contractor.
Finally, your home is one of your greatest investments. Be sure to protect it with the right insurance for added peace of mind.
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 |
It’s a moment every driver dreads: the sudden thud, the jolt of your car, and the sinking realization that you’ve hit an animal. Your heart races, and questions flood your mind—what should you do next? Knowing how to respond calmly and responsibly in this situation can make all the difference. Let’s break down the steps to take if you find yourself in this unfortunate situation.
Honk and brake.
You see a deer—or a raccoon, coyote or other animal. Your first instinct might be to swerve. Think twice, as it could put you directly into oncoming traffic or cause you to crash into the trees. The best thing to do is sound your horn and hit your brakes. The hope is the animal will be startled and run, or that you’ll slow down enough to lessen the impact. The only time you should swerve is for animals, like moose, that weigh 1,000 lbs. or more.
Pull over to the side of the road.
Hitting an animal can be nerve-wracking. Do your best to remain calm. You’ll want to pull over safely to the side of the road as soon as possible. Turn on your hazard lights. Put up flares if you have them so you’re visible to other drivers. If it’s dark and the animal is lying on the road, you can point your headlights toward it, so the animal is visible to other motorists.
Check yourself and your passengers for injuries.
You just experienced a collision. Check yourself and your passengers for injuries, and if anyone needs immediate medical attention, call 9-1-1. Otherwise, attend to any pressing injuries using your first aid kit.
Call the police.
Report the accident to the police. (In some areas, there are fines for not reporting collisions with animals who are 55 lbs. or more.) You will want to let them know if the animal is obstructing the road and is a danger to other drivers. The police will file a report which you can use when you submit an insurance claim.
When it’s safe, get out of your vehicle.
The only times you shouldn’t exit your vehicle is if you hit a predatory animal like a mountain lion or bear, or if conditions outside are dangerous. When you feel comfortable, get out of your car and survey the scene. Carry a light so that any approaching vehicles will be able to see you.
Do not approach the animal.
Take stock of the animal from a safe distance but do not approach. If the animal is hurt, it could be afraid, dangerous and unpredictable. Do not try to move the animal; wait for police or wildlife control assistance. If you hit a farm animal or a family pet, there may be a tag or other identification. This will allow you to contact the owner. Owners of farm animals that are not correctly corralled could be charged with negligence and could be required to pay for your damages.
Take photos of any damage.
Collisions with animals could cause significant damage to your vehicle, including dents you can see and issues you cannot. Take pictures of any damage to your car’s body or bumper. Also take photos of the area around the accident. Make notes about what happened, including road conditions, exact location, date, time, and any other details that tell the story.
Contact your insurance company.
If your car is damaged, you may want to file a claim with your insurance company. You will need comprehensive coverage for collisions with animals. This is an optional addition to your standard vehicle insurance policy. If you don’t have this coverage, you may want to consider adding it.
Take your car to a reputable auto body shop.
You had an accident, and you want to make sure there’s no damage below the surface that you cannot see. If you have a diagnostic scan tool, you can use it to pinpoint issues and know whether your car is safe to drive. You will want to get your car checked out with your trusted mechanic to make sure everything is still working well.
Reduce Your Risk of Hitting an Animal.
You can take steps to reduce your risk of hitting an animal in the future. Follow these guidelines.
- Animals are more active at dusk and dawn. Be alert during these hours.
- Pay attention to animal crossing signs. These are areas where animals are likely to be.
- Look for movement along the side of the road. That could indicate an animal nearby.
- Be careful when roads are slippery, and visibility is reduced.
- Use your brights to see farther at a distance, if other cars are not coming the opposite direction.
- Ask your passengers to watch out for animals too. Another set of eyes is always helpful.
- Avoid distractions that could take your attention away from the road.
Finally, make sure your vehicle is protected with the right insurance. This will help your peace of mind should you get into an accident. Safe travels.
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.
