With summer in full swing, we're beginning the process of getting back to a new normal. While no one knows for sure what that will look like, there are still plenty of fun activities for the whole family while summer camps, organized sports, community pools, music festivals and other large gatherings are mostly on hold. Here are a few summer safety tips to get your summer off to a smart start.
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“Teamwork is a huge thing in the military and it has always played a role in my jobs, but it is extremely prevalent here at CRS. Being able to work with the different departments to accomplish a goal is a daily event here.” says Kristina Coombs, CRS Customer Care Specialist. In the Army Reserves, Kristina served as an Automated Logistical Specialist for nearly four years. Her family is an “Army Family” so she says “it just seemed right” that she joined.
Vanessa Cazarez, CRS Billing Specialist, was an Aviation Mechanic in the United States Navy for 5 years. Stationed on the USS Abraham Lincoln in Norfolk, VA, she states being a Veteran “Makes me proud to have been part of the select few that volunteer to protect our great country.”
Two of our employees, Corinne Weinberger and Chris Varela, actually served on the same mission in Desert Storm together. Though they didn’t know each other at the time, and had different duties, both feel that the skills learned while in the military have helped them excel at CRS. Team building and working with people from diverse backgrounds has taught them how to approach various situations, talk to people and think fast on their feet.
Mindy Campbell, CRS Customer Care Specialist with eight years of service at CRS, wants to tell people thinking of joining the military to “Make sure you’re doing it for the right reasons. It will be the hardest thing you’ll ever do but will be darn proud of yourself when you look back on your time in the service.” Mindy served as an Army Medic for 3 years and a reservist for 2 more.
Using organizational skills learned during his time as a Sergeant in the Army, Vince Salazar is now on the front lines at CRS as Customer Care Specialist. He’s one of the first people that a policyholder might talk with about their housing loss. Not only does Vince provide pertinent information they need, he empathizes with and encourages them to stay strong, knowing that CRS has got their back.
All Veterans remind us of our potential as Americans to give and at times, give it your all. They are our relatives, friends, neighbors, and co-workers, and they committed to a cause larger than their own by accepting the challenge to defend our nation.
On this Veterans Day, we salute our Veterans and extend our gratitude for their service.
“Nobody ever drowned in sweat.” - US Marines
“Courage is fear holding on a minute longer.” - George S. Patton
Hurricane Florence is expected to make landfall on the East Coast by Friday morning. While you prepare to evacuate or shelter in place, here are some helpful safety tips from your temporary housing source.
· Follow all directions and orders from local officials and leave immediately when instructed to do so.
· Bring emergency supplies, including: a first aid kit, medicine, food, water, formula and diapers, toiletries, cell phones, radios, and batteries.
· Take extra cash and copies of important papers such as insurance policies.
· Pack blankets, sleeping bags, books, and games.
· Unplug appliances, turn off utilities such as electricity and the main water valve.
· Lock the windows and doors of your home.· Don't forget about your pets! Pack their food, beds, a toy and any meds.
· STAY AT HOME! Leave the roads available for those who must evacuate. If you absolutely must leave your home, NEVER drive through floodwaters. Turn around, don't drown.
· Clean your bathtub with bleach and fill it with water for washing and flushing (not drinking).
· Set your refrigerator to maximum cold and keep it closed.
· Turn off your utilities if told to do so by local officials.
· Go to an interior room and stay away from windows and doors, even though they're covered.
· During very strong winds, lie under something sturdy.
· Do not go outside, including during passage of the eye of the hurricane.
CRS is tracking and preparing for Hurricane Florence. Our Catastrophe team is ready to assist both insurance adjusters and policyholders with immediate emergency hotel and housing assistance.
Running over the entire summer from June 1st to November 30th, hurricane season brings serious damage risks from high winds, rain, and flooding in storm-prone regions. Is your biggest asset well protected? Your home is most likely your family’s most valuable investment. Know that your current homeowner’s insurance policy may cover some damage brought on by a hurricane, but not all.
Running concurrently with hurricane season, wildfire season is a period when wildland fires are likely to occur, spread, and affect resource values sufficient to warrant organized fire management activities. Higher temperatures, reduced snowpack, increased drought risk, and longer warm seasons are increasing wildfire activity in the western United States.
Make sure you have the proper coverage
Review your homeowner’s insurance policy today to make sure your policy is up-to-date and you are properly protected for anything that may happen. Here are a few tips regarding damage brought on by hurricanes and wildfires.
In most states, standard homeowner’s policies cover damage caused by wind, including hurricanes. But if you live in a high-risk coastal state you might need to buy separate windstorm insurance. Check with your insurance company as it might also be available as a rider on your current policy. Windstorm insurance covers damage from any high wind, not just hurricanes. The cost of a separate windstorm policy depends on the amount of your deductible, where you live, and how much it would cost to rebuild your house.
Flood damage brought on by, or as the result of, a hurricane is not typically covered in a private homeowners insurance policy. U.S. law requires people to purchase basic flood insurance if their home is in a designated high-risk flood area with a federally backed mortgage. (See floodsmart.gov for more information.) But in 2017, Hurricane Harvey showed that flooding can also damage properties outside the highest-risk zones and affect homeowners who weren’t required to buy the additional coverage.
Check with the National Flood Insurance Program as you may be able to purchase a separate flood insurance to help cover such damage in your area.
Flood insurance policies impose a 30-day waiting period between the time you buy and the time coverage takes effect, so review your policy today. If a major storm has been forecast, there’s a chance that your current coverage will be locked in until that major weather event has passed.
Damage from wildfires and forest fires is most likely covered by your homeowner’s insurance, but coverage may vary by geographic location and by policy. You may also find that some insurers do not sell homeowner’s policies in areas where wildfires are common, or it may be offered by paying a higher premium. Check your policy or contact your agent to learn about terms and coverage limits.
The Insurance Information Institute (III) recommends reviewing the amount of coverage you have in place and make any necessary adjustments to help ensure your limits are in line with the potential cost of repairing or rebuilding your home.
Whether you’re buying homeowners insurance, flood insurance, windstorm insurance or wildfire insurance — or all four — make sure you have enough coverage to pay for the full cost of rebuilding your house. Your insurance agent can help you pinpoint the right amount.
Are you a new homeowner, or maybe new to a temporary home? In either case, you’ll want to have a basic toolkit for minor home repairs. Imagine having to shell out big bucks to a handyman every time you want to hang a picture or adjust squeaky door? So not cool.
The best gift I received when I moved into my first apartment was a stocked toolbox from my dad. Not the housewarming gift I was hoping for, but in the following months and after it’s weekly use, I was in total appreciation of his foresight.
Get yourself to the hardware store, grab a cart and let’s get shopping. Building a good toolkit usually happens over time because it can be costly, but you should start out with some essentials. For about $60, you can build a starter kit. Here are the must-haves:
• Claw Hammer • Screwdriver Set • Adjustable Crescent Wrench • Channellock Pliers • Tape Measure • Level • Carpenter Pencils and Sharpener
Make sure to keep your core set of tools in a toolbox or bag at all times.
Within six months to a year, you may be ready to expand your toolkit. With a few added tools, you’ll have the means to put up shelves, paint a room, change door locks and more. The estimated cost for adding the below tools will be around $200.
• Utility Knife and Blades • Ratchet Set • Cordless Drill and Drill Bits • Manual Saw Set: Hacksaw and Wood Saw • Stud Finder • Basic Painting Set • Flash Light
Most hardware stores, especially large national chains like Home Depot and Lowe’s, both host classes and workshops designed to help new homeowners get comfortable with doing their own work around the house, making their own improvements, and fixing their own problems without spending a ton of money on contractors or specialists. For example, Home Depot’s weekly workshops will show you how to do things like install decorative molding, install tile flooring, properly paint interior walls, and more—all things you may never have had to do as a renter.
Lowe’s also has a how-to project center with walkthroughs for common household projects: Take me there
Do we love to spring ahead or hate it? In a year filled with 8,760 hours, why do we think it’s such a big deal? It’s just 0.01141552511415525% of a year.
Aside from what you may have heard over your lifetime, farmers are not to blame and it was not created by Benjamin Franklin. Daylight saving time was actually first instituted by Germany on May 1, 1916 in an effort to conserve fuel during World War I.
Do we still need it today? U.S. states are starting to decide on an individual basis. The Florida Senate just approved a bill that once they spring ahead on March 11, 2018, they could remain there. The approval means the bill will go to the governor’s desk, but it doesn’t mean the “spring forward” clock change Sunday at 2 a.m. will put the state on permanent daylight saving time.
Currently, states can opt out of daylight saving time to stay on standard time, but cannot make daylight saving time permanent. So, it will be interesting to see what transpires in the coming weeks.
Most areas of the United States observe daylight saving time (DST), the exceptions being Arizona, Hawaii, and the overseas territories of American Samoa, Guam, the Northern Mariana Islands, Puerto Rico, and the United States Virgin Islands.
Whether you love it or hate, know that it’s a good time to do a few inexpensive, routine updates in and around your home.
These alarms save lives! For just a few dollars and minutes of your time, you can economically and quickly replace the batteries and know your family is safer.
This can be a lifesaver in a power outage or if you get stranded in your car in bad weather. Make sure you have a long-lasting LED flashlight, a reflective vest for walking at night, non-perishable snacks, water and a warm blanket. Go to www.ready.gov/build-a-kit for more detailed kit information.
Spring often brings rain so make sure your sump pump is draining properly. Do not wait until a major snow thaw or rainstorm to find out that the pump’s motor is shot and you have 4” of water in your basement. It’s also a good idea to invest in a backup battery in the event of a power outage.
Did you just get through a harsh winter? Take a walk around the outside of the house: Are there cracks in the concrete? Is the driveway in good condition? Check the roof for signs of loose or broken shingles. Look up at the chimney for signs of wear. Check the facade and foundation for cracks or signs of water pooling.
If you have any clocks in your home that run on batteries, make sure to set them ahead one hour before you head to bed. If you have an older model car like me, make sure to change the clock on your dash as well. Then when you wake it you’ll be on the right track.
As for keeping your body on track, you know that it’s coming, so maybe hop into bed an hour early on Saturday night.
As the leaves begin to fall and the heat of summer fades, we naturally begin to think about how we need to prepare for the changing season. Do we start to replace summer clothes for sweaters, pants, and boots? Is it time to think about putting down the storm windows? When do we move the shovel and salt closer to the garage door?
These are all great questions and items on many people’s lists. But how else can we better prepare ourselves for what else might be coming next?
As we prepare for fall, we also come to the end of National Preparedness Month (September 2017). We hope that you have thoughtfully taken steps to prepare yourself, your family and your home for potential natural disasters and national emergencies. With the devastation we’ve recently seen with Hurricane’s Harvey and Irma, and the recent earthquakes in Mexico, we know that disaster can strike at any time and any where.
Here’s a checklist to help guide you in making a plan for you and your family:
Homeowners insurance not only protects your home, which may very well be your largest investment, but gives you a sense of security. The general assumption is that whatever happens to your home is covered. In actuality, typical perils (causes of property destruction) that are generally not covered are flood damage, earthquake, mold, acts of war and parts of the property in disrepair (including worn-out plumbing, electrical wiring, air conditioners, heating units and roofing). A few of these can be added as separate policies.
Educate yourself on what your policy does and, more importantly, does not cover.
It’s also important to consider your home and how to prepare it for the upcoming colder seasons. Here’s a helpful Home Fall Checklist from our friends at Better Homes & Gardens:
Elderly people, especially those with medical issues and limited mobility, can be especially vulnerable should a natural or manmade disaster strike. Go the extra mile and assist those in your community that may need help or require extra guidance.