by California Casualty | Homeowners Insurance Info |

Why should I worry, there’s never been a disaster or emergency in my area before? If that’s your reaction to emergency preparation, you’re setting your family up for disaster. Here are nine other signs you probably aren’t ready for the unexpected:
- You have no property insurance or the “bare minimum” because your house is paid off.
- You couldn’t be bothered signing up for those annoying cell phone emergency alerts.
- What’s a weather alert radio?
- You only know one way in and out of your neighborhood.
- When someone mentions geographic land features, you think they are talking about the mound left in the front yard where the tree was removed last year.
- When you hear there is a tornado or severe thunderstorm watch, you actually go out to watch for them.
- You think a bottle of water and a fanny pack are all you need if you are evacuated.
- Having a home inventory means knowing how much toilet paper and milk you have.
- Heck, we’ve been waiting for that big storm so we can get a new roof (we already have five leaks, what’s one more).
Seriously, disaster preparation is not a laughing matter; just ask anyone who survived the fury of Hurricane Sandy, the horrors after Hurricane Katrina, or dug through the ashes of their homes in the recent disastrous West Coast fires. September is National Preparedness Month when emergency experts are asking everyone to know their risks, develop a plan, prepare an emergency supply kit and make a home inventory. In the next few days and weeks we’ll share details on things you need to do before a disaster strikes. In the meantime, visit www.ready.gov for more information on preparing for an emergency, before it’s too late.
by California Casualty | Firefighters |
Tim Casey describes himself as, “a retired firefighter/paramedic, author, lecturer, public speaker and an alcoholic. As a public servant for more than 30 years, I know the hero business from the inside out, and I also know the costs of that profession; the human cost. My passion is trying to help save the lives of lifesavers. Firefighters are dying in record numbers, not on the job but by their own hands. Clinicians and therapists, although well intentioned, do not know how to help emergency workers and I want to help them understand us, and maybe save some lives along the way.
Chief Jeff Dill of the Palatine Rural Fire Protection District in suburban Chicago is a friend of mine and endless source of hope and dedication. I have lectured with him at firefighter conventions.
Because Dill is a nationally recognized authority on behavioral health issues within the fire service. He established Counseling Services for Fire Fighters, LLC based on the tragic events that surrounded Hurricane Katrina. When speaking with firefighters who returned after serving the community of New Orleans, Jeff heard the pleas of firefighters who had a difficult time talking with counselors who did not have any firefighting experience. They became frustrated and never did seek the help they needed. The Firefighter Behavioral Health Alliance (FBHA) 501(c) (3) organization was established to directly educate firefighters/ Emergency Medical Services (EMS) personnel and their families about behavioral health issues such as depression, Post Traumatic Stress Disorder (PTSD), anxiety and addictions, as well as firefighter suicides.
FBHA’s sole goal is to promote good mental health to the men and women of the fire service/EMS and their families; making a significant difference in reducing the numbers of firefighters who are turning to suicide to ease their pain. FBHA Founder Jeff Dill holds a Master’s Degree in Counseling and is a Licensed Professional Counselor in the state of Illinois.
What an amazing and passionate man. Chief Dill has spent countless hours helping fire departments all over America in dealing with firefighter suicide and comforting the families of those left behind.
Here are two dirty secrets of our storied institution, the fire service. When one of us suicides, the event is treated like an off the job incident; in my opinion it rarely is, it is a line of duty death to me, but that isn’t how we treat it.
Second, the families of these brothers and sisters, yeah women firefighters kill themselves too, are treated differently than a firefighter that dies an “honorable” death. They may get short-term support from their department, but they and the memory of their father, husband, wife, sister, or brother are quickly forgotten.
We don’t like to talk about this fact of our way of life; it’s scary to think about, so we step away quickly so we don’t have to think about it.
Chief Dill invited me to speak about my experience as a suicide survivor and firefighter. After I had shared my story with an, unfortunately, tiny audience, a Chief asked me if there was anything any of my co-workers could have done back then.
My answer was a solid yes! My crew knew I was suffering; they knew I was “off” my game; I displayed all the characteristics of someone on the brink. However, here is the thing; I know if one of them had pressed me, asked how I was doing I would have cracked.
Now I’m not putting any blame on anyone other than myself. It isn’t his or her fault I tried to kill myself. What I am saying is if we are the brave souls we fancy ourselves to be, shouldn’t we be brave enough to risk asking these questions of our co-workers and ourselves? Shouldn’t one of the lives we try to be one of our own? I know I questioned patients hard when they seemed to be a risk to themselves, hell I put hundreds on medical holds.
I refused to ask the hard questions of brothers and sisters I suspected of being in danger. It would have been impolite to ask. As I waited to speak with Chief Dill, I tried to work the crowd on his behalf, trying to stir up some interest and get a good crowd to come listen to Chief Dill. Well wasn’t I surprised? There were two major reactions, one was to be polite, take my information, and then quickly toss it in the trash. The other one shocked me.
While relaxing outside I struck up a conversation with two Chiefs from California. I offered them our handout on the warning signs of an impending suicide. They both read it, then one looked at the other and in unison, they said the name of a firefighter and both laughed a bit.
I asked them, “So you both agree you have a guy with these warning signs?” Both answered yes without hesitation. Then I asked what they planned to do about that. They sat there tongue tied with their eyes blinking. “Well, we gotta get inside we’re teaching a class. Thanks for the information.” And with that they walked away.
Ask the hard questions and you may save a brother or sister, or maybe yourself.
This self-test is from Chief Dill’s website. Below is a self-screening for suicide ideations for firefighters. Please circle either Y= Yes or N=No. When you have completed the screening, please review your score at the end.
- Are you feeling like a burden to your family, friends, or Fire Company? Y N
- Do you feel the world would be a better place without you in it? Y N
- Have you started to isolate yourself from others in the firehouse? Y N
- Have you found yourself turning to alcohol or other addictive behaviors to make yourself feel better? Y N
- Have you or someone close to you notice that your sleeping patterns have changed? Y N
- Are you thinking, “What is the use” when going to the fire house or responding on calls? Y N
- Do you find yourself thinking about or performing unnecessary risks while at a fire scene or on an emergency incident? Y N
- Have you found an increased or new interest in risky activities outside the firehouse such as sky-diving, reckless motorcycle riding or purchasing guns? Y N
- Are you displaying unexplained angry emotions or been disciplined recently for anger towards other firefighters? Officers? Or the Public within the last two months? Y N
- Have you been told “you have changed” by Friends? Family? Firefighters? Y N
- Does your family have a history of suicide? Y N
- Do you have a history of feeling depressed? Y N
- Do you have feelings of hopelessness? Y N
- Do you feel like killing yourself? Y N
- Have you created plans to kill yourself? Y N
- 16. Have you recently attempted to kill yourself? Y N
Scoring: Total the amount of (Yes) circled.
Score:__________
If you circled question 15 or 16, then please seek help immediately from a trusted friend, chaplain, counselor, dial 911 or call the National Suicide Prevention Lifeline 1-800-273-TALK (8255) or 1-800-SUICIDE (1-800-784-2433
You can listen to Jeff’s last appearance on the Firefighter Netcast Show here: “Counseling For a Firefighter- By a Firefighter” In this program, Chief Dill tells us about a new resource coming to the aid of the fire service.
by California Casualty | Firefighters |

Firefighters; they are the men and women who save property and lives. But what happens when their lives need saving? That’s the dilemma for hundreds of first-responders each year. The demands of the job and the repeated trauma they see can leave many in crisis.
Firefighters face the risk of many behavioral health concerns such as anxiety, depression, burnout and PTSD, etc. But the problem is that first responders don’t talk about behavioral health when it comes to each other. The often mentioned mantra in Fire/EMS/Law Enforcement is “We help others but never ourselves.” There is a stigma to admitting that the stress and the often disturbing scenes they respond to might be getting to them.
What makes suicide so difficult to prevent is that it is not a condition or disorder, but rather an outcome that may result from the presence (or accumulation) of many risk factors. What makes a suicide in first responders even more difficult to prevent is that they are the helpers. Who are they supposed to call for help when they are the ones who need it? Why is it so difficult for someone in Fire/EMS/Law Enforcement to ask for help? The risk of losing their peer’s respect, fear of being viewed as weak and unable to perform their jobs, fear of confidentiality, fear of losing their career? It’s no wonder, so many of the helpers suffer in silence. Many say seeking help can leave them on the fringe, considered damaged goods by their crew.
And that’s a problem; firefighter ranked number one in CareerCast’s annual survey of the most stressful jobs in 2015, just ahead of soldiers. CareerCast described the profession as, “dangerous in ever-changing conditions, with work not limited to battling blazes; firefighters also assist with medical emergencies and natural disasters.” Firefighters across the nation echo the idea of going to work each day not knowing if they will come back alive.
And that daily stress, combined with limited opportunities to talk about it, is taking a toll – as evidenced by the number 285. That’s the number of active and retired firefighters in the U.S. who are known to have taken their lives since 2012. It’s what many in the profession call “the hidden dirty little secret.” With 46 firefighters in 2015 already lost to suicide, something has to change.
It was a little- discussed topic by fire departments until Captain Jeff Dill created the Firefighter Behavioral Health Alliance (FBHA). Dill started the nonprofit after hearing about the emotional impact the World Trade Towers disaster had on firefighters in 2001, and talking with first responders about lack of mental health resources for those returning from the devastation of Hurricane Katrina in New Orleans. Captain Dill says the number of firefighter suicides that get reported is only the tip of the iceberg.
In 2004, the National Fallen Firefighters Foundation (NFFF) invited fire organization leaders to a summit on preventing line-of-duty deaths. A document titled “16 Firefighter Life Safe Initiatives” was drawn up to promote health, safety and cultural changes in the firefighting community. Number 13 calls for better access to psychological support and counseling for firefighters and their families addressing the occupational stress they face, and to counter the growing incidence of Post-Traumatic Stress Disorder cases.
Despite the effort, the problem continues. A January 2015 article in USA Today cited National Fallen Firefighters Foundation statistics that a fire department is three times more likely to experience a suicide in a given year than a line-of-duty death. They added that PTSD, depression, substance abuse and suicide were still all too common.
Slowly, more and more resources are being created to help firefighters deal with the stress of the job. The Firefighter Behavioral Health Alliance is a great first-step, with information and links to support agencies. The National Volunteer Fire Council and the National Fire Protection Association also dedicate numerous resources to linking firefighters in crisis with agencies that can help.
Some of those are:
• Emergency Ministries – providing chaplains for first-responder counseling and support,
• Rosecrance Florian Program – offering substance abuse treatment and PTSD support for firefighters and paramedics,
• NVFC Fire/EMS Helpline, 1-888-731-FIRE
• North American Firefighters Veteran Network – 24 crisis line for addiction, anxiety, stress and more,
• The Sweeney Alliance – The focus of their program First Step Hope: Not All Wounds Are Visible addresses the difficult topics that few in the first responder professions discuss or have resources for PTSD, Suicide intervention and prevention, loss and grief.
• Station House – Treatment facility exclusively for first responders, established by first responders.
• American Academy of Experts in Trauma Stress – collaborating with organizations to meet the needs of victims and survivors
by California Casualty | Auto Insurance Info |

It’s time to purchase a vehicle. You’ve saved money, researched the safest ones, and now you’re ready. New would be great, but many of us are choosing to save money and buy a previously owned vehicle. You know you need to be careful and have the car checked out, but did you do an inspection for flood damage?
Attorneys general in numerous states are warning consumers to be aware of the “flood” of water damaged cars after large storms and hurricanes. In fact, a used car dealer in New Jersey was recently sentenced to prison for selling vehicles damaged in Superstorm Sandy. The scheme involved a Motor Vehicles Commission employee who doctored titles for eight flood affected vehicles. To complicate the crime, consumer-watch groups warn that flood damaged cars are often sold in states far from where the damage occurred.
Buying a car that was submerged means real problems that can haunt you for years. Water is the enemy to just about everything in an automobile – destroying electronics, fouling fuel lines, rusting engines, brakes and transmissions, not to mention promoting dangerous mold and mildew.
So how can you protect yourself against buying a water logged vehicle? Some obvious ways are to use your nose to detect musty odors or the heavy lingering aroma of cleaners and disinfectants used to mask mold odors. You should also order a vehicle history report from a government data base like the National Motor Vehicle Title Information Service, or one of the reputable private company like CarFax or Autocheck, and look for signs of water damage or dirt in the dashboard, carpets or trunk.
Other signs of water damage are:
- Rusty door hinges and trunk latches
- Silt or mud under seats, in glove compartments or windows
- Brittle and bent wiring under the dashboard
- Electronics that flicker or don’t work
- Fog or moisture beads in interior lights
If you suspect you unknowingly bought a water damaged vehicle, contact your state attorney general’s office for help. The Federal Trade Commission also has a wealth of resources for used car buyers who fear they are victims of fraud.
Sources for this article:
https://www.insurancejournal.com/news/east/2014/12/08/349278.htm
https://www.consumer.ftc.gov/blog/steering-clear-storm-damaged-car-sequel
https://www.naag.org/
https://www.vehiclehistory.gov/
by California Casualty | Safety |

Today is America’s PrepareAthon, the culmination of FEMA’s National Preparedness Month. The idea is for individuals, communities and organizations to be prepared for six specific hazards:
The message is that families, businesses and neighborhoods should know their risks, have a plan of action and prepare survival kits.
It got us thinking; “How prepared is California Casualty?”
First, client and employee safety is paramount at California Casualty. Security systems are in place at all our service centers. The company conducts drills for fires and other possible occurrences – complete with trained safety personnel who help with evacuations and account for employees when safety zones are reached. These evacuation assistants are trained in first aid, CPR and the use of automatic electronic defibrillators (AED).
California Casualty has implemented a business continuity and recovery plan should an earthquake, flood, fire, tornado, power outage or winter storm adversely affect operations at one or more of our service centers. Managers carry contact information for every employee so they can be reached in an emergency. Systems are in place so that key personnel can operate remotely and phone and data systems can be shifted to service centers that have not been impacted. This minimizes inconvenience and potential disruption to policy holders.
Yearly table-top disaster scenarios are run to make sure managers know the procedures and backup systems they can utilize. In worse case scenarios, staff can be temporarily relocated to other services centers to maintain the continuity of service to clients. With service centers in Kansas, Colorado, Arizona and California, California Casualty has the redundancies and virtual call routing to maintain operations even if a service center is completely down.
California Casualty also has an emergency outreach plan for clients who may be affected by a disaster. Calls are made to areas that have been hit by flood, fire, tornado, hurricane or flood to make sure our insureds are okay and to expedite help with claims. Our Field Managers and Claims personnel respond to disaster areas to make contact with those insured with California Casualty and aid in their safety, relocation and recovery.
California Casualty works very hard to keep client information and data protected with numerous advanced data security protocols and monitoring. As an added layer of safety, every auto and home insurance policy includes free 911 ID Theft Protection.
Preventing tragedies is also a main concern. California Casualty strives to help our policy holders prepare for various disaster scenarios with many links and preparedness tips at our website’s Resources page.
Are you prepared? Today is the day to make sure with America’s PrepareAthon.