How are those 2019 resolutions coming?
Were you able to keep up with your original goals, or are you already on "Take 3" of your #NewYearNewMe lifestyle?
Maybe you've decided to try doing more or less of something this year? Maybe you've decided to start doing Yoga on the weekends and stop staying up so late during the weekday. Maybe you've decided to give yourself a word or phrase to set the tone of your 2019.
Well if any of these apply to you, trust me - you're not alone.
We here in Marketing followed up with our Relationship Managers to see how their first month of the New Year has been going goal wise. These are their honest, hilarious, and unfiltered answers.
Hopefully you'll find more than a few topics (and fumbles) that you can relate to.
“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...
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.
As the northeast gets hit by yet another winter storm in March, we’re starting to see increased tornado activity in the southeast this spring. A tornado can strike without warning in any season but are prone to happen most often in the spring and summer months. Occurring at all hours of the day and night, data shows that they tend to occur between 3 p.m. and 9 p.m. Time to prepare!
In the United States, about 1,200 tornadoes strike each year and every state is at risk. These devastating storms can bring severe hail, heavy rain, flash flooding and lightning. The majority of tornadoes in the U.S. occur east of the Rocky Mountains with concentrations in the central and southern plains, the Gulf Coast and Florida.
If you live in an area prone to these deadly storms, three of the most important things you can do to prepare you and your family are: 1 - Build an Emergency Kit
2 - Make a Family Communications Plan
3 - Review your Homeowners Insurance
Most of the items that will go in your kit are inexpensive and easy to find, and any one of them could save your life. Also make sure to consider what unique needs your family might have, such as supplies and medications for pets and seniors. For just a few dollars and minutes of your time, you’ll have a kit comprised of food, water, and other supplies to last for at least 72 hours.
Visit www.ready.gov/build-a-kit for more information and to download a printable grocery list.
Do you have a plan in place in the event of a tornado? If not, make one today! Your family may not be together if a disaster strikes, so having a family communications plan will allow you to know how to best contact one another and reconnect if separated. Make sure to establish a family meeting place that’s familiar and easy to find.
Visit www.ready.gov/make-a-plan for more details on how to best draw up your family communications plan.
Don’t wait until the next tornado watch to decide to review your homeowners insurance for storm coverage. Whether your insurance helps cover tornado damage to your home depends on where you live, the type and amount of coverage you have and what caused the damage.
One of the biggest risks you may face if your home suffers major damage during a severe storm or tornado is being underinsured. Contact your agent to discuss your policy and if necessary have them verify that the current insured value is up to par. While you’re at it, make sure to have your insurance agent’s number and email saved to your mobile phone.
Additionally, find out what your limit is for Additional Living Expenses (ALE) and how you can expect the coverage to work. ALE covers the increased cost of living due to a displacement, including any extra rent you will have to pay for your temporary home. CRS Temporary Housing works closely with your agent to quickly find the best temporary accommodations for you and your family. With 24-7-365 service, we are committed to help you and provide the absolute best customer service.
https://www.ready.gov/tornadoes https://www.allstate.com/tools-and-resources/home-insurance/insurance-for-tornado-damage.aspx https://www.thebalance.com/home-and-car-insurance-for-tornado-damage-4026154
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.