“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
This November we’re showcasing our dedicated employees in a 3-part video series about Thanksgiving. These video volunteers were asked a few questions on camera, without knowing the questions prior to being filmed. We get to see their honest and candid reactions, and we’re sharing them with you!
Let’s start here...
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.
So, you’re preparing to move from your temporary digs back into your permanent home. Congratulations! It’s a much-anticipated event that you’ve been thinking about for a while. If you plan on decorating or painting, why not try something new?
Use color!! Don’t opt out and live in a bland beige and boring world. Humans are more comfortable in spaces with color than in those without. A beige world is underwhelming and understimulating—and that’s stressful.
If you’re a little apprehensive and not sure just where to apply your color splash, pick a smaller room and start there. A powder room, foyer or accent wall are the perfect canvas for your first foray into the wonderful world of color.
If you decide to jump in and paint yourself, great! You’ll enjoy the satisfaction of seeing your masterpiece sooner since the smaller area will be completed more quickly.
Once you’ve chosen where to paint, now it’s time to choose the color. Do you have a favorite hue you’d like to see on the walls of your home? Head to the paint store or home warehouse and grab a few swatches. (They are FREE, so grab as many as you’d like). Tape the swatches on the wall that you’re going to paint. Make sure to look at the swatches at various times of day as they will change as the lighting does.
Having trouble making a decision because the paint swatch is so small? Purchase a pint of your chosen color for less than $5 each. Using a brush, paint part of the wall in a larger area to help you decide if you like the color.
Extensive research on “color psychology” has revealed the special “powers” of particular colors. When making your selection, consider the mood of the room and what feelings you want to evoke.
GREEN > Seeing the color green has been linked to more creative thinking—so greens are good options for home offices, art studios, etc.
RED > Having a red surface in view provides a burst of strength, so reds are good choices for home gym areas, etc. Seeing red has been linked to impaired analytical reasoning, though, making it a bad option for offices.
VIOLET > People link a grayish violet with sophistication, so it can be a good selection for places where you’re trying to make the “right” impression.
YELLOW > Using yellow in a home can be problematic. Many people dislike the color, so if you have a lot of yellow rooms in your home or a yellow front door, you may be advised to repaint to get the best price for your home should you sell. An exception: Many people use yellow in kitchens—with no negative sales repercussions. Yellow may be accepted in kitchens because warm colors stimulate our appetite.
BLUE > People are more likely to tell you that blue is their favorite color than any other shade. That makes it a safe choice. Seeing blue also brings thoughts of trustworthiness to mind; always a good thing.
Be bold and brave and don’t shy away from color. At the end of the day, if you hate the hue you’ve chosen, it’s a simple fix to just paint over it.
Sources:www.hgtv.com/design/decorating/color/10-tips-for-picking-paint-colors www.psychologytoday.com/blog/people-places-and-things/201504/the-surprising-effect-color-your-mind-and-mood https://freshome.com/room-color-and-how-it-affects-your-mood
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:
At least once a quarter, we at CRS Temporary Housing make it a priority to find a worthy cause to donate our time and treasure to. We call our special
group of volunteers CRS Helping Hands. Employees are encouraged to participate, along with their families, to help these community groups in a myriad of ways.
On Saturday, April 8th, 65 CRS employees and their families, participated in the 5th Annual Run The Runway in Scottsdale, AZ. This one-of-a-kind morning run benefited Playworks Arizona, the only nonprofit organization in the country to send trained, full-time coaches to low-income, urban schools, where they transform recess and play into a positive experience that helps kids and teachers get the most out of every learning opportunity.
The beauty of this annual event is that 100% of race proceeds go to Playworks. Those funds are used to expand their reach to Arizona schools in desperate need of recess and the learning of conflict resolution to help end bullying.www.playworks.org/communities/arizona
CRS Helping Hands volunteers spent a day in December at the André House, a ministry to the homeless and poor populations of the Phoenix area. Volunteers sorted donated clothing, helped guests select free apparel from the Andre House Clothing Closet and prepared a full dinner for 600 people.
In August, our school supplies drive collected over 2,000 items for nearby Larkspur Elementary School in Phoenix. That gift of supplies, along with a financial donation, helped to jump-start the 2016 school year for the students at Larkspur.
CRS Helping Hands June event was packing emergency food boxes with non-perishable items, sorting food and repacking bulk produce. Our efforts greatly helped St. Mary’s goal to provide more than 250,000 meals each day to those in our community who need their help the most.
Over a weekend in April, members of CRS Helping Hands helped make blankets for the sweet fur babies at the Arizona Humane Society and even gave a few forever homes.
Take a moment to think about you love to do and how you can share your time and passion to help someone in need. Whatever your motivation, whether to share a skill, get to know a community or to learn something new, know that both you and the recipient will benefit from your gracious actions. National volunteer week is coming up April 23 – 29, so get out there and make a difference!