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Tricks-4-Safe-Treating

Leaves are falling, temperatures are dropping, and pumpkin-flavored everything is popping up everywhere – Ladies and Gentlemen, Fall is finally here. Along with this long-awaited beginning of the coziest season yet comes one of the most popular holidays around – Halloween! Here are some helpful tips and advice to ensure both fun and safety during your trick-or-treating adventures for kids, teens, and adults alike.


Before you get started…
  • Keep costumes both creative and safe.
  • Decorate costumes and bags with reflective tape or stickers.
  • Face paint and makeup are better than masks, which can obstruct a child’s vision.
  • Have children carry glow sticks or flashlights to help them see and be seen by drivers.
  • Make sure the costume is the right size to prevent trips and falls. If possible, choose a light-colored costume.
While you’re walking…
  • Only cross the street at corners with traffic signals or crosswalks.
  • Look left, right and left again before crossing and pay attention as you cross the street.
  • Put electronic devices down and keep heads up.
  • Walk, don’t run, across the street.
  • Teach children to make eye contact with drivers before crossing in front of them.
  • Always walk on sidewalks or paths. If there are no sidewalks, walk facing traffic as far to the left as possible.  (Children should walk on direct routes with the fewest street crossings.)
  • Watch for cars that are turning or backing up. Teach children to never dart out into the street or cross between parked cars.
While going door-to-door…
  • Check candy for choking hazards like gum and hard candies. Throw away any candy that is not sealed with a wrapper and avoid homemade treats received from strangers.
  • If you’re turning your home into a haunted house keep safety in mind. Make sure steps, sidewalks, porches, and paths are well-lit and free of decorations and holiday props.
  • Only approach houses with a partner and stick to porches that are well lit.
  • Be mindful of allergies when selecting which candy you’d like to eat or pass out.
While you’re driving…
  • Drive VERY slow. Be VERY alert. Children are excited on Halloween and may move in unpredictable ways.
  • Take extra time to look for kids at intersections, on medians, and curbs.
  • Enter and exit driveways and alleys slowly and carefully.
  • Eliminate as many internal distractions as possible to concentrate on the road and your surroundings.
  • Anticipate heavy pedestrian traffic and turn your headlights on earlier in the day to spot children from greater distances.
If you have a teenager…
  • Review the importance of obeying the law. Sit down with your child and discuss private property, town curfews, and alcohol regulations.
  • Remind them of your house rules and be upfront that police are patrolling and looking for misbehaving teens.
  • If they are going to a party, speak to the parents of the host to ensure it will be chaperoned.
  • Review driving safety. Remind your teen that both young children and intoxicated drivers will be on the roads that evening.
  • If your kids are going to a party, tell them to keep an eye on their drink. Once they have put it down, they should not drink it again.
  • Clearly discuss with your teen where they can and cannot go.
  • Track their whereabouts with apps like Snapchat or Find my iPhone.
  • Limit the number of friends in a car. Be proactive and remove distractions for your teen driver and limit the number of kids allowed to ride.
Always remember…
Popular trick-or-treating hours are 5:30 p.m. to 9:00 p.m. so be especially alert for young children during those hours. Also, kids under the age of 12 should NOT be alone at night without adult supervision. If kids are mature enough to be out without supervision, they should stick to familiar areas that are well lit and/or trick-or-treat in groups.
Most importantly...
HAVE FUN! Enjoy the day in your own safe and responsible way. Connect with family and friends alike and make this Halloween one to pleasantly remember!
Articles used for reference and material:
https://www.safekids.org/tip/halloween-safety-tips
https://www.teensafe.com/blog/13-tips-keeping-teens-safe-halloween/
https://www.huffpost.com/entry/halloween-safety-10-tips_b_12561956
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As hurricane Florence approaches, follow these tips to keep your family safe

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. 

      

If you are advised or ordered to evacuate

·         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. 

 

If you are not told to evacuate

·         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.

 

During the storm

·         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.

  • We are fully staffed 24/7/365 for immediate assistance.
  • Timely deployment of CRS employees on-site to support adjusters and policyholders.
  • Priority booking with major hotel chains for needs of adjusters and policyholders.
  • Competitive pricing on homes, condos, townhomes, apartments, mobile homes and travel trailers.
  • Capability to provide temporary office trailers for carriers.
  • One point of contact for adjusters and policyholders to minimize confusion.
  • Internal weather tracking so we know where the storm is heading.  
 

800-968-0848    |    request@crsth.com    |   www.crsth.com

 
 

Source(s):

https://weather.com/safety/hurricane/news/hurricanes-safety-during-20120330

https://www.crsth.com/services/catastrophe/

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It’s hurricane and wildfire season, is damage to my home covered?

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.

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WIND

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.

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FLOOD

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.

Don’t procrastinate

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.

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WILDFIRE

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.

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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.

 

Sources:

https://www.floodsmart.gov

https://www.wsj.com/articles/what-homeowners-insurance-wont-cover-if-a-hurricane-hits-1504897428

https://www.iii.org/article/hurricanes-harvey-and-irma-insurance-faqs

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Home Essentials: How to nail your basic toolkit 

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.

 

So, where to start?

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.

 

Ready to add more?

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

 

Having so much fun that you want to try more?

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

 
Sources: https://www.fix.com/blog/diy-home-repair-kit/ https://lifehacker.com/where-can-i-learn-home-improvement-skills-1535195959
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Handle your temporary housing like a boss!

 

We are in the business of temporarily relocating homeowners, renters, and those in the insurance industry. We hope to make it a comfortable and seamless process; as long or as short as your stay may be. You’ve most likely found your way here or on to our site looking for answers, so here are 6 tips to help you get started with handling your temporary housing like a boss.  Trying to keep things simple, and find those services that can help make the transition a bit easier, is key to an enjoyable temporary situation. Let’s take a look at the tips!

Rent furnishings

Rather than feeling rushed into replacing your furnishings immediately or having to move all your furnishings from location to another, you have the option to rent quality furniture for your temporary stay. Say you must move again 3-6 months down the road, renting furniture can help you to avoid moving your furniture over again.

Opt for storage

Additionally, if you can manage to live with only the items you REALLY, TRULY need during relocation, you can put the rest in storage for safe-keeping. This will help limit the number of items you need to care for and keep track of. Less stuff means less clutter and more time to spend as a family.

 

Open a P.O. Box

Maintain consistent service of your mail by opening a P.O. box. Depending on location, this could be helpful or may not work out for you.  This will also help to ensure proper forwarding of your mail. You can apply online at usps.com  https://www.usps.com/manage/po-boxes.htm or go to your local post office.

Tip: Pay your fees in advance and use a rewards credit card to collect points.

 

Make sure you unpack & organize

If you followed the advice and opted to keep most of your items in storage, you should still unpack and organize to make your temporary space FEEL more like home. Make it your own. There are many things you can do to add a special touch all your own, we listed a few in our post, Tips for the short term https://www.crsth.com/blog/tips-short-term/.

Plan your meals

The extra $$ spent eating out may not seem to but will add up. Make sure you have the regular kitchen items that you may need, or find ways to improvise if items are not available to you. Rice cookers, Instant Pots, and Crockpots make great everyday meals. Pinterest is a great resource for recipes, most of which can be gathered in a matter of minutes for an entire week of meals -  I’ve done it!

 

Try some of these recipes:  Easy Orange Chicken  via Listotic |  Chicken Alfredo Tortellini  via Listotic |  5-Ingredient Steak Fajitas via Fit Slow Cooker Queen  |  Lazy Crock Pot Lasagna (Ravioli) via Spend with Pennies  |  Slow Cooker Lo Mein via Damn Delicious

 

Tip: Housewares can also be rented through a reputable furniture vendor along with temporary furnishings!

 

Close to home

Keep your temporary house close to home base. Think of all the places you frequent and would allow you to continue to keep your normal day-to-day schedules intact. Compromise on these thoughtfully. Although temporary, you will want minimal inconveniences and to keep commute times as close as possible to normal. In the event of a widespread disaster relocation event, this may be harder to achieve. Remain optimistic! A good temporary housing company can be creative with keeping people close to their home.

 

Did you find this post helpful? Check out Tips for the short term https://www.crsth.com/blog/tips-short-term/

  Sources: Usps.com Recipes: listotic.com fitslowcookerqueen.com spendwithpennies.com damndelicious.net SaveSave
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3 Useful tips for a better work day

blog It happens to us all, we find ourselves looking forward to the coveted weekend every Monday morning instead of focusing on the dreary work we have in front of us. Productivity levels sink to the bottom of a sea of to-do that you're drowning under with no lifesaver in sight. While we can't give you the perfect office life, these tips will help you swim to the top and survive your massive workload.  
  1. Set A Timed Schedule For Your Tasks
Your brain is an amazing, smart muscle, but, with everything it can do like store your favorite memories and tell you how to walk, it sucks at multi-tasking. To avoid having your brain go into overload,  give an amount of minutes or hours for each task and stick to it. For instance, if you have multiple reports do on your to-do list, work on each one for only 30 minutes - 1 hour. The feeling of being overwhelmed causes us to become unproductive and ultimately feel like we're getting nowhere with our work.  Instead, breaking up your list will make you feel like you're achieving more and forces you to stay focused. Also, include any breaks, even 5 - 10 minute  between tasks, so you feel refreshed. By the time the weekend hits, your to-do list will have vanished. 2. Have An Office Buddy Not just for lunch or to gossip about the latest Game of Thrones season, but to hold you accountable for your work. Now you may think, "my boss does that already," but think about it like this: your boss is like your teacher giving you an assignment. Did you always do your homework on time or did you procrastinate? Work is just like that. We start putting off our "to-do's" because we created the habit that we can pull an all nighter and can get it done without a problem. Instead of stressing out about deadlines, make your friend hold you accountable to stick to your schedule and vice versa. Make small bets about who's buying lunch or not having coffee in the morning (Yikes!). Your productivity will increase sufficiently once you have your first day without your daily dose of caffeine. 3. Prioritize Your Day If there is anything I know best, it's that EVERYTHING  is important. Reports, planning, buying, designing and every little thing that comes up in between becomes the top hierarchy. Here's the issue with that,  when you keep adding to the top, everything slowly descends until your to-do list becomes a list of incomplete tasks. You'll start forgetting things and decrease your overall work drive because you have too much to do. Instead, realize not everything is urgent and it's okay to say "no" or let your co-worker know (in a polite way!) that they can do it themselves. Once you start being able to do this, you'll notice your list start dwindling down and that some things that presume to be so urgent, are not that urgent after all.
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