by California Casualty | Safety |
The hustle and bustle of the first days of the new school year can get a little crazy. Kids are racing to see their friends, buses are crisscrossing the area picking up and dropping off students and hurried parents are trying to drop their kids off before they have to head to work. Paying attention often goes by the wayside.
This is why it’s more important than ever to practice extreme caution around school zones and neighborhoods.
The National Safety Council warns that more children are hit by cars near schools than at any other location. That’s why they ask that drivers:
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- Don’t double park because it blocks visibility
- Don’t load or unload children across the street from schools
- Carpool to reduce the number of vehicles at school
- Put down cell phones and other mobile devices
Other safety tips to prevent auto-pedestrian injuries around schools include:
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- Not blocking crosswalks when stopped at a red light or making a turn forcing pedestrians to go around you; this could put them in the path of traffic
- Always stopping for school crossing guards
- Using extra caution to look out for children at bus stops, school zones, playgrounds and parks and in all residential areas
- Never passing a vehicle stopped for pedestrians
- Remembering that pedestrians have the right of way
And to prevent distracted walking and texting accidents, students are reminded to keep their head up and phone down and:
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- Never walk while texting or talking on the phone
- Always move out of the way of others and stop on the sidewalk to text
- Never cross the street while using an electronic device
- Do not walk with headphones on
- Be aware of their surroundings
- Always walk on the sidewalk if one is available; if a child must walk on the street, he or she should face oncoming traffic
- Look left, right, then left again before crossing the street
- Cross only at crosswalks
Remember, the first days of school can be a dangerous time for excited students. Safety experts stress that we all need to slow down near school zones, wear seatbelts, leave early so we aren’t rushing and never drive distracted (texting, eating or drinking, horsing around with passengers or adjusting the radio or adjusting the navigation system).
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 | Calcas Connection, Good to Know |
You might be surprised to learn that school zones and bus stops are some of the most dangerous places for kids as they go to and from school. Since it’s been a few months since school has been in session, these safety refreshers can make this back to school season safer for our children:
SCHOOL ZONES
- Be aware of school zones
- Pay close attention to all school zones along your route. Warning signs, flashing lights and speed bumps are good indicators that a school zone is nearby.
- Never drive distracted, especially in areas where children travel to and from school
- Drinking coffee, texting, talking on the cell phone and completing the morning routine to get ready for the day (applying makeup or shaving) are all distractions.
- Slow down and observe school zone speed limits
- Avoiding the need to rush by building in extra time can save a life. Slamming on the brakes is not the best approach to reducing your speed in a school zone.
- Be patient and expect increased traffic during drop-off and pick-up times
- Don’t get overwhelmed by the controlled chaos. Your patience is greatly appreciated.
- Avoid double parking or blocking crosswalks in school drop-off zones
- Always yield to pedestrians, whether or not they are in the designated crosswalks.
BUS STOPS
- Yield to buses at all times
- Filled with precious cargo, they deserve the right of way.
- Stop when you see school bus yellow or red flashing lights and the stop arm extended
- Drivers behind the bus as well as those approaching it are required to stop.
- Let students getting off of the bus cross in front of your car and wait to ensure all riders have crossed safely
- Stopping a good distance from the bus will help you to see the students and the students to see you
- Be aware of kids standing at bus stops
- They may accidentally step off of the curb and into your path. Be ready.
Nothing is more valuable than the lives of our children. These simple rules can prevent tragedies and keep our school zones safer for all.
TAKEAWAY: Find a great back to school safety resource at https://www.nsc.org/home-safety/seasonal-safety/back-to-school/drivers
by California Casualty | Helpful Tips, Homeowners Insurance Info, Safety |
When fire breaks out, every second counts. Knowing exactly what to do—and what to avoid—can mean the difference between safety and tragedy. Whether you’re at home, at work, or out in public, understanding how to respond in a fire emergency gives you the power to act quickly, protect loved ones, and make it out safely.
Understanding the Phases of a Fire
Before you can respond effectively, it helps to understand how a fire behaves. Fires move through distinct phases, though the timing can vary depending on what is burning and where the fire occurs:
- Incipient Phase – This is the very beginning, when the fire first ignites. If detected quickly, it may still be possible to put it out safely with the right tools.
- Growth Phase – Flames spread, heat builds rapidly, and conditions begin to change. This is when a small fire can suddenly get out of control.
- Fully Developed Phase – At its peak intensity, a fire consumes all available fuel, producing thick smoke and toxic gases. Escape is the only safe option.
- Decay Phase – As the fire runs out of fuel, flames and heat decrease, but smoke and gases can still be dangerous.
What to Do in a Fire Emergency
When you encounter fire, your actions need to be quick, calm, and deliberate. Here are the key “Do’s” to remember:
1. Act Early if It’s Safe
If you catch the fire in its earliest stage (the incipient phase), and you have the right type of extinguisher, you may be able to stop it from spreading. Always aim the extinguisher at the base of the flames, not the middle or top.
In the kitchen:
- Turn off the heat source.
- Smother small stovetop flames with a metal lid, baking sheet, or fire blanket.
- Use baking soda or salt on grease fires—but never water or flour.
- Follow these tips for other ways to put out a fire.
- If a fire starts inside your oven or microwave, keep the door closed. The lack of oxygen will usually cause the fire to die down.
If the fire is spreading quickly, do not try to fight it. Get out immediately and call 911.
2. Get to Safety
Plan for at least two exits from every room in your home. Fires often make the most obvious path unusable. Heavy smoke can quickly disorient you, so it helps to know the layout of your home by memory. Practice fire drills with your family so that everyone knows how to react without hesitation.
3. Stay Low
Smoke rises and carries carbon monoxide, which can make you dizzy or even cause unconsciousness. Crawling low to the ground gives you cleaner air to breathe and increases your chance of escape.
4. Stop, Drop, and Roll
If your clothing catches fire, don’t run. Running only fuels the flames. Instead, stop, drop to the ground, and roll back and forth while covering your face. This smothers the flames and helps prevent serious injury.
5. If You’re Trapped
Sometimes escape isn’t possible. If you can’t get out:
- Stay away from doors that are hot to the touch.
- Block smoke by placing wet towels or blankets along the bottom of doors.
- Open windows cautiously, crouching down to avoid rising smoke and heat.
- Signal for help by waving a flashlight or cloth out the window.
What NOT to Do in a Fire Emergency
Just as important as knowing what to do is knowing what not to do. Certain instinctive reactions can actually make things worse:
- Don’t use elevators. Fires can cause electrical failures or trap you inside. Always use the stairs.
- Don’t pour water on grease fires. Water splashes burning oil and creates explosive steam.
- Don’t pour flour on a fire. Flour is combustible. Stick with baking soda, salt, or a fire extinguisher.
- Don’t use water on electrical fires. Water conducts electricity and can cause electrocution.
- Don’t fan flames. Adding oxygen only makes a fire grow.
- Don’t stand too close or reach over flames. Loose clothing can ignite quickly.
- Don’t move burning objects. This can spread flames to new areas.
- Don’t aim a fire extinguisher at the flames themselves. Remember: always target the base of the fire.
Preparing Before a Fire Happens
While these tips can help in the moment, preparation is your best defense. Here’s how to protect yourself and your loved ones:
- Install smoke alarms on every level of your home, especially near bedrooms. Test smoke detectors monthly and replace batteries at least once a year.
- Create and practice a fire escape plan with your household. Make sure every member—children included—knows how to get out and where to meet once outside.
- Keep fire extinguishers accessible. Place them in the kitchen, garage, and near exits. Learn how to use them before an emergency arises.
- Understand the common causes of fires so you can take steps to fireproof your home and minimize these risks.
- Know your insurance coverage. Even when you do everything right, fires happen. Having the right coverage can make the recovery process easier and less stressful.
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, Pets |
Ever wonder what’s going on behind those puppy-dog eyes or that flick of your cat’s tail? Spoiler alert: your pet is talking to you all the time. From happy wiggles to warning growls, our furry friends have a whole language of their own. The good news? Once you know how to decode it, you’ll unlock a secret world of wagging, purring, and even side-eye that reveals exactly what your dog or cat is really saying.
Dogs: The Masters of Expression
Dogs are an open book—if you know how to read the pages. Their eyes, ears, tails, and even fur are constantly sending signals about how they’re feeling.
Eyes
- A relaxed dog has soft, almond-shaped eyes that may even squint slightly.
- If their eyes are rounder than usual or showing a lot of white (often called “whale eye”), they may be stressed or on edge.
- Dilated “glassy” pupils can mean fear or high arousal.
- Dogs that avoid looking at you directly are feeling uneasy. They also may be resource guarding food or a toy.
- Calm, soft eye contact shows trust. Prolonged, hard stares, however, are a challenge—best to avoid.
Ears
- Forward-facing ears mean interest and alertness (even floppy-eared pups will shift the base forward).
- Slightly back often means relaxed and approachable—especially if paired with a wagging tail.
- Pinned flat against the head? That’s a sign of fear, nervousness, or submission.
Mouth
- A relaxed dog usually has a slightly open mouth with upturned corners.
- Closed, tight lips or pulled-back corners can signal fear.
- Wrinkled muzzle and bared teeth = warning: back off.
- Some dogs even show a “submissive smile” (teeth showing with wagging tail, lowered head, squinty eyes).
- Yawning or lip licking can be early signs of stress.
Tail
- Neutral (in line with the spine) = relaxed.
- High and stiff = excitement or agitation.
- Tucked between legs = fear or discomfort.
- Loose, wagging tail = friendly—but always check the rest of the body for context.
Vocalizations
- Barking can mean joy, fear, or alertness—tone and pitch matter.
- Whining often signals a need for attention, comfort, or even pain.
- Yelps = pain.
- Growling = a clear warning.
- Howling may be a response to sounds or a sign of anxiety.
Posture & Movement
- Play bow (front end down, rear up, wiggly movements) = “let’s play!”
- Rolling on back can mean trust—but it’s not always an invite for belly rubs.
- Frozen posture = fear or guarding behavior.
- Trembling may signal anxiety but also check for medical issues if it’s frequent.
- Raised hackles (the hair along the back) don’t always mean aggression—they can signal fear, stress, or excitement.
Pro Tip: Keep your pup mentally engaged with Brain Games for Dogs.
Cats: The Subtle Storytellers
Cats can be a little harder to read than dogs, but once you know the signs, their signals are just as clear.
Eyes
- Slow blinks are the ultimate “I love you.”
- Dilated pupils = excitement, fear, or aggression.
- Constricted pupils = tension or aggression.
- A hard stare can mean dominance or a brewing fight.
- A sideways glance can mean trust and comfort.
Ears
- Forward and relaxed = curious, content.
- Flat against the head = annoyed, scared, or defensive.
- Constant swiveling means they’re listening intently.
Tail
- Upright with a slight curve = happy, confident cat.
- Puffed up = scared or upset.
- Flicking or thrashing = irritated—time to back off.
- Low and tucked = anxious or frightened.
Whiskers & Fur
- Forward whiskers = curiosity and excitement.
- Pulled back whiskers = fear.
- Fur standing on end (with arched back) = threatened or defensive.
Vocalizations
- Growls, hisses, yowls = “back off.”
- Purring usually signals contentment—but sometimes pain.
- Trills (that high, chirpy sound) = friendly greeting.
- Meows and chirps can mean anything from hunger to frustration to simple “chattiness.” If it’s constant, check with your vet to rule out meows due to pain.
Posture & Behavior
- Play mode: crouching, pouncing, bringing you toys.
- Crouched ball: ready to spring—anxious or fearful.
- Belly up: trust, but not always an invitation for tummy rubs. The cat could latch onto your well-meaning hand with its claws and teeth.
- Arched back with fur up: fear or aggression.
- Cats often point their whole body toward where they want to go—it’s their way of saying, “excuse me, I’m headed this way.”
Building a Better Bond
Learning to “speak” dog and cat doesn’t just prevent misunderstandings—it strengthens the bond you share. You’ll know when your dog really wants to play, when your cat is overstimulated, and when either one needs a little space. Over time, you’ll find yourself communicating so well, it’ll feel like you and your furry friend share your own secret language.
We love our pets, and part of caring for them means protecting their health and wellbeing. Make sure your dog or cat is fully protected with pet insurance. Looking to save on veterinary care? Check out our blog on 9 Ways to Save on Your Vet Bill.
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 |
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.
