by California Casualty | Homeowners Insurance Info |
You worked hard, saved your money and bought a home. Now you want to protect the largest investment you have ever made with homeowners insurance. You’ll sleep better knowing that your insurance will help you rebuild if there’s a fire, tornado or a tree falls onto your home. What you may not know are the many things it might not cover. Your sweet dreams of protection could turn out to be a nightmare because you don’t have the coverage you thought you did.
Here are five things not covered by most home insurance policies:
- Earthquake and land movement. As landslides and earthquakes have become more common in many states, many people are surprised to learn that earthquake or land movement damage is not covered by standard homeowners insurance. You need to purchase separate earthquake and landslide insurance protection.
- Floods. Multiple surveys have found a majority of homeowners and renters thought their property insurance protected them from flooding; it doesn’t. If a river overflows its banks or storm surge sends tides into your home, you’ll need to purchase separate flood insurance, provided primarily by the federal government. Keep in mind there is a 30 day waiting period before any flood policy can go into effect.
- Sewer backups. The sludge can do serious damage and make your home unsafe until it’s properly cleaned up, but it’s not covered under most homeowner insurance policies. Your insurance company can provide a special endorsement to cover sewer or sump pump backups. What you may not know is that homeowners are responsible for the maintenance of sewer and water lines through their property up to the sewer main, and many cities and utility departments will deny responsibility for most sewer incidents.
- Maintenance issues. Insurance companies can dispute payment of damage or injuries if you fail to repair a broken step or other obvious hazards, or for mechanical breakdown of an appliance. In most cases, you will also need a special rider to cover food that might be lost due to a power outage or failure of a freezer or refrigerator.
- Expensive jewelry, fine art, firearms, musical instruments, furs and collectables. Many people learn after a fire or tornado that their precious items only had minimal coverage. You’ll need special scheduled personal property coverage, often called a “floater,” to make sure they are protected for their full value.
And, if you have a swimming pool, trampoline or certain types of dogs, you need to call your insurance company to make sure you are protected. Many insurance companies are starting to exclude them from policies or refusing to insure homes that have one or more of these.
The Property Casualty Insurers Association of America (PCI) also warns that as many as 60 percent of America’s homes are underinsured because owners:
- Didn’t update insurance after remodeling or adding on
- Only purchased enough insurance to cover the mortgage
- Underestimated costs associated with updated building codes
- Didn’t factor in building material inflation in replacement costs
Another important step many homeowners fail to take is to do a home inventory. Nobody can predict when a fire or tornado might strike, but you can make sure your possessions are properly protected. A survey by the National Association of Insurance Commissioners found 60 percent of homeowners have not documented all the things they own. What does that mean to you? Completing a home inventory can speed up your claim and help you determine how much coverage you need. The Insurance Information Institute has created an easy to use home inventory brochure. Items to include are:
- Electronics
- Personal care items
- Jewelry
- Art
- Kitchen items
- Furniture
- Carpeting
- Beds and linens
- Holiday ornaments
- Lawn and yard equipment and tools
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.
by California Casualty | Helpful Tips, Homeowners Insurance Info, Safety |
If you’ve ever accidentally set off the smoke alarm, you know how loud it can be. But that loud beeping is actually a good thing. Smoke detectors give us that important warning to get safely away in case of a fire. Some detectors do double duty and also alert to carbon monoxide.
However, don’t assume your smoke detectors are working if you’ve installed them once and then never touched them again. Batteries wear out, and detectors have a lifespan of only about 10 years. That’s why it’s important to test yours regularly and there is no better time than when you are spring cleaning.
Two types of detectors
You may have a battery-powered smoke detector or yours may be hard-wired. They look the same from the outside but they’re a little different.
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- A hard-wired detector is connected to your home’s electrical power with a cable that runs behind your wall or ceiling. They usually have a battery backup in case the power goes out. It is recommended that these detectors are installed by a professional electrician.
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- The battery-powered detector snaps into a plastic base that is screwed onto the ceiling or wall. In many newer models, batteries are non-removable and come with a 10-year warranty.
Follow these steps
Both types of smoke detectors have a test button that allows you to check if they are working. Test your smoke detectors at least twice a year, once in the spring and once in the fall, and replace them as needed.
Step 1: Let family members know you’ll be testing.
A smoke alarm could cause family members to think there is a real emergency, so let them know that you are going to run a test. Since the sound could frighten small children and pets, you may want to test while they are not around. In addition, if your smoke detector is connected to an alarm company, notify them or you could have the fire department show up at your door.
Step 2: Position someone away from the detector.
Ask a family member or friend to stand on another level of the house, to make sure the alarm is heard. You want to make sure that the warning is heard downstairs in the basement and upstairs, in case someone might be there when it sounds.
Step 3: Press and hold the test button.
You may need to stand on a chair or a ladder to reach the button on your detector. You can use a broom handle if you are able to reach it that way. Note that it may take a few seconds to start. You will hear a loud siren. If there is no sound or a weak one, the batteries and/or the detector need replacement. Make sure to repeat this test with every smoke detector in the house or apartment.
Pro Tip: Some smoke detectors can go into programming mode if you hold the button too long. Wait for the detector to return to normal before testing it.
Step 4: Try this way to check your detector’s sensor.
The test button checks that your detector is powered. However, it doesn’t check the smoke sensor. You can do so with an aerosol spray that you can purchase for a few dollars at a hardware store. Follow the directions on the can to spray the “smoke.” This is a safer way to check the sensor than lighting matches. After the test, you can use a handheld vacuum to remove the material from the detector.
Pro Tip: Some detectors have a button to push to stop the alarm. Find out if yours has one before you run this test.
Other important tips
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- If you have a detector where you have to change the batteries, you should replace them twice a year. (When we change the clocks is a great time to do that.) If your smoke detector is older than 10 years, you should replace it even if it is working.
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- Dust and dirt build-up can affect your detector. Keep your detectors clean.
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- Don’t paint your detector to match your décor. That can interfere with their ability to detect smoke.
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- Make sure you have enough detectors in your home or apartment. You should have one in your kitchen, but 10 feet away from cooking to avoid false alarms. You also will want to place them inside every bedroom and outside each sleeping area, on every level of your home, and in places where you keep flammable substances like the garage.
You want to be fully prepared in case of a fire, and not just with smoke detectors. Talk with your insurer about your home and property to ensure that you are fully covered.
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 | Educators |
In our world of constant communication, it’s easy to be distracted from really listening to someone. Yet good listening skills take us far—in the classroom and beyond. Good listening skills build relationships and resolve conflicts. They help students learn, and help all of us make fewer mistakes and waste less time.
As teachers, we understand that listening is an important soft skill, but we may not teach it. Here’s why you should, along with some guidance on how to improve listening skills for you and your students.
Active vs. Passive Listening
It’s easy to be a passive listener. That’s listening as we multitask. As passive listeners, we divide our attention between listening and doing something else. That does not benefit us as teachers or students. Rather, active listening – focusing all of our attention on receiving and processing information – helps us to fully understand what is being communicated.
Active listening helps students:
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- Follow directions
- Understand expectations
- Spend more time on task
- Connect to content and increase understanding
Active listening helps educators:
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- Better understand student needs
- Provide meaningful feedback
- More fully engage students
- Communicate well with parents, peers, and the administration
How to Teach Active Listening
It feels good when someone is actively listening to you. Demonstrate that to your students by modeling two conversations – one with active listening and one with passive. Discuss the importance of active listening. Then, walk them through the process of how to be an active listener together.
To be an active listener you need to…
1. Focus.
It’s easy to be distracted by the things in our environment, from our phones and devices to other people and happenings around us. To be a really good listener, you have to focus solely on the person talking to you.
Don’t multi-task, look around, or think about things you need to do.
Do give the speaker your undivided attention. Put aside your phone, papers, or any potential distractions. Face the speaker and maintain eye contact. Be present in the moment.
2. Receive.
The best listeners are those who are receptive to new information. You need to be ready to receive a message in order to listen. Importantly, good listeners are not critical. They create a safe environment where others may share their thoughts.
Don’t be judgmental. Don’t engage in a conversation if you’re not ready to listen.
Let go of your opinions during the conversation. Listening does not mean you agree with the message, only that you respect another’s right to express it.
3. Visualize.
As the saying goes, a picture is worth a thousand words. That’s why it’s helpful to visualize what the other person is saying. In addition, knowing the speaker’s emotional state will help you more fully understand what he or she is trying to communicate.
Don’t assume you know what the speaker is saying or feeling.
Do listen to the words and picture what the speaker is saying. Pay attention to the speaker’s nonverbal cues, from body language to the tone of his or her voice. Try to feel what the speaker is feeling.
4. Wait.
It’s tempting to interrupt a speaker and impose your thoughts or solutions right away—especially if he or she says something that relates to your life. It’s easy to get sidetracked but that’s not good listening. We all think and talk at different rates. Let the other person have a chance to speak.
Don’t interrupt or jump in with your own thoughts or questions. Don’t finish the other person’s sentences. Don’t sidetrack the conversation by starting a new, related or unrelated conversation.
Be patient. At first, it might be hard to simply wait. With practice, it will get easier.
5. Understand.
Eventually, you’ll want to ask a question or two. Questions show that you are listening and that you want to understand what the speaker is saying. Your goal is empathy—to feel what the speaker is feeling. Empathy creates a connection like nothing else does.
Don’t spend the time planning what to say next. It will distract you from what’s being said.
Do wait until the speaker pauses to ask questions to clarify the message. You can say something along the lines of “Can we back up for a moment? I have a question about …”
6. Respond.
You do not have to be perfectly silent or still in the listening role. Good listeners consistently provide feedback whether it’s a word of confirmation or a nod of agreement.
Don’t just sit there or zone out, even if you’re bored.
Do nod and show your understanding through appropriate facial expressions. Interject with a well-timed “hmm” or another simple statement that confirms the message the speaker is sharing.
7. Summarize
You will want to ensure that you correctly understood the message. At the end of the conversation, try telling the speaker what you heard.
Don’t make a long summary statement. The purpose is not to capture every detail but merely the essence of the message.
Do let the speaker know that this is what you understood and ask for clarification if it is wrong. If there’s follow-up to the conversation needed, now is the time to mention the next steps.
Practicing Active Listening
Active listening takes practice. Model good listening skills and call attention to them as you are doing them. Involve students in the process regularly with active listening activities. Examples include:
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- Partner conversations
- Journal entries following a lesson or other presentation
- Listen and draw a story
- Outdoor sound scavenger hunt
- Mindful listening meditations
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 |
There’s a reason why a tornado strikes immediate fear for those in its path. These violent storms can flip cars, uproot trees, and destroy entire properties. Their powerful winds can even lift objects hundreds of feet off the ground and leave complete devastation in their wake.
Here’s what you need to know to keep your home, your vehicle, and your family safe from tornadoes and high winds.
What is a tornado?
A tornado is a spinning, funnel-shaped cloud usually formed as part of a thunderstorm. Tornadoes can be over a mile wide and as much as 50 miles long. Their narrow funnel shape extends from sky to ground with winds that can reach speeds up to 300 mph. (To put that in context, the average car can be moved by a 90-mph wind.)
While certain regions of the country have been dubbed “Tornado Alley,” it’s not true that tornadoes are prone to occur in those places. Tornadoes can occur anywhere and anytime and have been reported in all 50 states.
How do we predict tornadoes?
Tornados, and their paths, are notoriously difficult to predict. Even meteorologists who study the weather don’t know for sure how they form. However, the National Weather Service is able to track conditions that can contribute to tornadoes—and issue tornado watches and warnings as needed.
A tornado watch means to prepare for severe weather. A tornado warning means that a funnel cloud has been reported by spotters or indicated by radar.
What are the warning signs of a tornado?
By the time you see warning signs, that means a tornado is well on its way. You’ll need to act fast. Here are just some signs to look for:
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- Large hail without rain
- Dark or greenish sky
- An approaching cloud of debris
- A loud roar like that of a freight train
- How do you prepare for a tornado?
You can take the steps to protect your home, your car, and your family right now.
1. Sign up for severe weather alerts. You can get critical and timely information from local media broadcasts and the emergency alert system on your TV or desktop and mobile devices. In addition, your local utility company, township, city, or state may offer free alerts. Check with your electric or gas company, and with city hall or municipal government.
2. Develop a family disaster plan. Your plan of action will identify where you and your family will shelter in place, and what to do if you get separated. It also will address any special needs of family members and your pets.
3. If there is not a safe space in your home to wait out a tornado, research local public shelters. For example, if you live in a mobile home, tornadoes can easily turn over mobile homes. Plan to go to a public shelter.
4. Gather emergency supplies in case you need to shelter in place. Keep them together in an easily accessible place. Include water, nonperishable food, and medication. Pack a first aid kit.
5. If there is a tornado watch, store items like outdoor furnishings that could become flying debris. Make sure cars are parked well away from trees.
How do you stay safe during a tornado?
If you’re home…
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- Go immediately to a safe place such as a basement, storm cellar, center hall, or small interior room in your home. Choose the lowest floor possible and avoid windows. Also, avoid places where heavy items like refrigerators may be directly above you. If a tornado strikes, it could come crashing down.
- For added protection, get under a table. Cover yourself with thick padding such as blankets or even a mattress. This will help in case the ceiling falls in.
- If the power goes out, use flashlights rather than candles if you need a light. An open flame can create a fire hazard if gas lines are damaged by severe weather.
- Have a weather radio or your phone tuned into local weather. Tornadoes can be accompanied by flooding. Know when the tornado is gone and it is safe to emerge.
If you’re driving…
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- Do not try to outrun a tornado in a car. Pull over.
- Tune into your local weather radio station, or if you are traveling, call the weather emergency number listed on the signs along the highway.
- Park in a low, flat location. Avoid bridges or overpasses.
- If you can, leave your car and get to safety inside a sturdy building.
- If you cannot find adequate shelter, then stay in your car with your seat belt buckled. Put your head down below the windows. Cover your body with a coat or blanket and your head with your arms.
What do you do after a tornado?
Once it is safe to venture out, it’s time to inspect the damage. Wait until daylight and make sure to look around safely. Stay clear of fallen power lines. Stay out of damaged buildings. Make a plan to clear away debris and downed trees from your yard.
If your home, car, or property suffered damage from the tornado, you will want to take the following steps:
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- Secure your property from further damage.
- Take photos to document what has happened.
- Alert your insurance company, determine if you are covered for the damage, and file a claim.
You have home and car insurance for a reason. Put it to work if you need it. Make sure you and your family are fully protected in the event of a tornado, and any damage that follows, such as flooding. Call a California Casualty agent today at 1.866.704.8614 or visit our website www.calcas.com.
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.
