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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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
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!
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