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11 years ago · by · 0 comments

When wildfire spreads, preparation is key

Get tips on how to prepare for wildfire.

Wildfire preparation

Wildfires can pose particular dangers because they often begin unnoticed and can spread quickly, threatening both lives and property in their paths.

If you live in an area prone to wildfires, you can help keep yourself, your family and your property safe by taking steps to reduce your risks.

Well before a wildfire threatens

  • Keep your home well maintained by regularly cleaning your gutters and trimming tree limbs that may be too close to your home. Be sure your smoke alarms are working, fire extinguishers are operational and a home escape ladder is accessible if you need to evacuate quickly from an upper floor.
  • Landscape your home with wildfire safety in mind, using fire-resistant shrubs and trees.
  • Maintain a defensible space zone between structures and natural growth that is free of brush, trees and grasses to help keep a wildfire from getting too close to your property. If you live on a hill, extend that zone on the downhill side, since fire can race uphill quickly.
  • Prepare a survival kit, map out an evacuation plan and create a home inventory of all your belongings. Visit our preparedness timeline to learn more about disaster planning.
  • If you are remodeling your home, think about including fire-resistant materials such as non-combustible roofing and siding and fire-rated glass or fire shutters for windows.

When a wildfire approaches

  • Stay tuned to local news about wildfires in the area, and follow evacuation instructions given by local officials.
  • Review emergency plans with your family. Be sure to designate a meeting place and a check-in telephone number if you are separated during evacuation. Also make certain that everyone has emergency numbers stored in their phones.
  • If you have time, close windows, doors and blinds and shut off utilities. Open the fireplace damper and close fireplace screens.
  • Have your car ready to leave at a moment’s notice and keep the keys handy. Roll up the windows to keep smoke out.

What to do during a wildfire

  • If advised to evacuate, do so immediately. Wear protective clothing, such as a long- sleeved cotton or wool shirt and pants, and take a wet cotton towel or handkerchief to protect your face.
  • Take your survival kit and choose a route away from fire and smoke. Follow your evacuation plan and be sure everyone knows where to go and what to do.

How to respond after a wildfire

  • Check with fire officials before attempting to re-enter your home. Use caution when entering since fires can re-ignite quickly, even after dying down.
  • Discard any food or medication that came in contact with smoke or fire.

At Travelers, we understand that a wildfire can be a frightening and dangerous event. We hope our expertise and insight will help you protect your family and property no matter what comes your way. For more wildfire safety tips, visit the Insurance Institute for Business & Home Safety® website.

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11 years ago · by · 0 comments

Ways to help prevent home theft

Scurich Insurance Services, Watsonville, CA, Homeowners InsuranceBurglars will not find your home an “easy mark” if they are forced to work in the light, if they have to take a lot of time breaking in, or if they cannot break in without making a lot of noise.

Research shows that if it takes more than four or five minutes to break into a home, the burglar will go elsewhere.

Most insurance companies provide 2 percent to 15 percent discounts for devices that make a home safer—dead-bolt locks, window grates, bars and smoke/fire/burglar alarms.

However, when improving the security of your home, do not exchange security for personal safety. Do not make your home such a fortress that you are unable to escape in case of a fire or other emergency.

Check your Home for Weaknesses and Correct Them

  • Take the time to “case” your house or apartment, just as a burglar would. Where is the easiest entry? How can you make it more burglar-resistant?
  • Trim trees and shrubs near doors and windows, and think carefully before installing a high, wooden fence around your back yard. High fences and shrubbery can add to your privacy, but can also be an asset to a burglar. Consider trading a little extra privacy for a bit of added security.
  • Force any would-be burglar to confront a real enemy—light. Exterior lights and motion detectors, mounted out of easy reach, can reduce the darkness a burglar finds comforting.
  • Simple security devices—nails, screws, padlocks, door and window locks, grates, bars and bolts—can increase the amount of time it takes to break into your home.
  • Invest in a burglar alarm. The most effective ones also ring at an outside service.

Are any of your valuables—paintings, a silver collection or a computer—easy to see from outside the house? Rearranging your furnishings might be advisable if it makes your home less inviting to criminals.

Simple Security Steps

Doors

Make sure you have strong doors. Outside doors should be metal or solid hardwood, and at least 1 3/4 inches thick. Frames must be made of equally strong material, and each door must fit its frame securely. Even the most efficient lock, if it is placed in a weak door, will not keep out a determined burglar.

A peephole or a wide-angle viewer in the door is safer for identifying visitors than a door chain.

Sliding glass doors present a special problem because they are easy to open, but if you have these doors, you can find special locks for them. A broomstick in the door channel can also help, but cannot be depended on.

Locks

Deadbolt locks are best. They usually are locked with a key from the outside and a thumb turn on the inside. The cylinder (where the key is inserted) should be pick-resistant. Ask your hardware dealer for a reputable brand or buy your locks from a locksmith.

Windows

Key locks are available for all types of windows. Double-hung windows can be secured simply by “pinning” the upper and lower frames together with a nail, which can be removed from the inside.

For windows at street level or on fire escapes, consider installing metal accordion gates.

Home Security Habits

  • Establish a routine to make certain that doors and windows are locked and alarm systems are turned on.
  • Avoid giving information to unidentified telephone callers and announcing your personal plans in want ads or public notices (such as giving your address when advertising items for sale).
  • Notify the police if you see suspicious strangers in your area.
  • Do not carry house keys on a key ring bearing your home address or leave house keys with your car in a commercial parking lot or with an attendant.
  • Do not hide your keys in “secret” places outside your home—burglars usually know where to look.


Vacation Tips

  • Leave blinds open in their usual position.
  • Have mail and packages picked up, forwarded or held by the post office.
  • Lower the sound of your telephone ringer and answering machine so they cannot be heard outside.
  • Arrange to have your lawn mowed in summer and your walk and driveway shoveled in winter.
  • Stop newspaper deliveries.
  • Ask a friend to pick-up “throw-away” newspapers and circulars.
  • Use automatic timers to turn lights on and off in various parts of the house at appropriate times. Consider connecting a radio to a timer.
  • Tell police and dependable neighbors when you plan to be away and join with your neighbors to keep a close watch on what’s happening in your area. Working closely with them is a good way to prevent crime.

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11 years ago · by · 0 comments

Tree maintenance can minimize property damage

The trees in your yard can enhance your property, provide shade and offer abundant environmental benefits. However, trees can also pose a safety hazard to your family and your home if they are not properly inspected and maintained.

Trees can present a particularly significant danger during a storm. Wind, lightning, snow and ice can all transform a tranquil row of trees into an imminent threat to your property. Proper tree maintenance involves more than pruning and trimming overgrown branches. These are some of the key steps you can take to protect your trees and prevent them from becoming a safety hazard.

The trees in your yard can enhance your property, provide shade and offer abundant environmental benefits. However, trees can also pose a safety hazard to your family and your home if they are not properly inspected and maintained.

Trees can present a particularly significant danger during a storm. Wind, lightning, snow and ice can all transform a tranquil row of trees into an imminent threat to your property. Proper tree maintenance involves more than pruning and trimming overgrown branches. These are some of the key steps you can take to protect your trees and prevent them from becoming a safety hazard.

Steps to Take Before a Storm

  • Remove any dead trees on your property.
  • Enhance the health of trees through timely watering, proper fertilization and protection from soil compaction. Healthy trees will be able to better adapt to changes in the environment, remain firm in the wind and react more effectively to damage.
  • Regularly prune dead or broken limbs to help trees maintain their structural integrity. In addition, thin excess branches every three to five years. For more information, visit arborday.org.
  • Remove or treat pest problems as soon as you spot them to minimize potential damage to trees. Be careful not to over-treat tree hollows, and do not remove decayed wood from hollows unless it falls away in your hands. Cleaning hollows can cause additional internal damage to trees. If possible, cover the opening to hollows.

Six Signs to Monitor

When performing maintenance on the trees in your yard, please make safety a priority. If you are unable to safely prune or remove trees and limbs, contact a professional tree-care service or arborist to help you do so. It may be a good idea to consult with a professional if the trees in your yard already display any of the following characteristics:

  • Cracks in the trunk or major limbs
  • Signs of hollowing and decay
  • Mushrooms growing from the bark
  • Significant leaning to one side
  • Limbs in contact with power lines
  • Branches hanging over your house
    • Although the branches may not be touching your house under normal conditions, high winds can cause trees and branches to bend or break.

Sources:
Travelers, Clatterbuck, Wayne. “Storm-Damaged Residential Trees: Assessment, Care and Prevention.” Extension.Tennessee.edu. The University of Tennessee; Coder, Kim. “Storm Damaged Trees: Prevention & Treatments.” Warnell.Forestry.UGA.edu. The University of Georgia.

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11 years ago · by · 0 comments

Call before you dig

“811” number makes it easy to Call Before You Dig.

Call Before You DigOne Number for All States

811 is the national “Call Before You Dig” phone number designated by the Federal Communications Commission. This number was developed to eliminate the confusion of multiple “Call Before You Dig” numbers because it is easy to use, remember and it is the same for every state.

Why Call 811?

It is important to call 811 before digging so that professional excavators and do-it-yourself homeowners are aware of any underground lines buried in the area. This information can help protect people who dig from injury, expense and penalties. Damages to underground lines can disrupt service to an entire neighborhood, harm diggers and cost diggers fine and repair costs. Hopefully this number will increase awareness and create a positive behavioral change.

What Happens After Calling 811?

Similar to the current “Call Before You Dig” numbers, all 811 calls will be routed to a local One Call Center and the affected utilities. The utility will then send crews to the location to mark any underground lines for free.

Do Most People Call Before They Dig?

Believe it or not, the answer is “no.” According to a recent national survey, roughly half of all Americans are “active diggers,” yet only one-third have called to get their utility lines marked.

How Is 811 Being Promoted?

The Common Ground Alliance (CGA) is an organization created in 2000 to prevent damage to underground infrastructure, reduce service disruptions, save lives and improve safety practices industry-wide. The national 811 number provides a once-in-a lifetime opportunity to focus national attention on the importance of calling before digging. CGA is working with its members, sponsors and national launch partners to increase awareness about calling 811 before digging.

More Information

For more information about the 811 call system, visit http://www.call811.com. To download the most current industry Best Practices in connection with preventing damage to underground facilities, go to http://commongroundalliance.com/.

†Source Common Ground Alliance, 2010 Damage Information Reporting Tool (DIRT) Annual Report(pdf)

The information on this site is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions and limits of the actual policy. Nothing on this site alters the terms or conditions of any of our policies. You should read the policy for a complete description of coverage. Coverage options, limits, discounts and deductibles are subject to availability and to individuals meeting our underwriting criteria. Not all features available in all areas.

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11 years ago · by · 0 comments

Spring maintenance tips for the home

Person cutting bushesMilder days offer a prime opportunity for spring cleaning and home maintenance. After a long winter, be sure to spend some time on preventive measures that will help maintain your home and property all year long. From cleaning out your gutters and checking for dead trees and branches, to cleaning and inspecting your home mechanical systems such as your heating and air conditioning equipment, we offer ways to help make spring a season of safety.

Download our spring home maintenance checklist >

Inside Your Home

  • Check your electrical outlets for potential fire hazards, such as frayed wires or loose-fitting plugs. Make sure outlets, fuse boxes and extension cords are not overloaded.
  • Move your multi-purpose fire extinguisher to an accessible place, and make sure it is filled and ready for operation.
  • Have your air-conditioning system inspected by a professional as recommended by the manufacturer.
  • Check your water heater for leaks and corrosion.
  • Clean or replace your furnace filter.
  • Clean the clothes dryer exhaust duct and space under the dryer. Remove all lint, dust, and pieces of material.
  • Inspect your smoke detectors. Make sure there is one on each floor of your home. Test them monthly, and change the batteries annually or as needed.
  • Check the light bulbs in all your fixtures. Be sure they are the correct wattage as recommended by the manufacturer.
  • Replace all high-intensity bulbs with fluorescent bulbs. Other types of bulbs, like incandescent, produce more heat than fluorescent bulbs.

Outside Your Home

  • Check for damage to your roof.
  • Clean gutters and downspouts to keep debris from accumulating.
  • Remove dead trees in your yard.
  • Keep healthy trees and bushes trimmed and away from utility wires.
  • Safely store oil and gas for lawn equipment and tools in a vented, locked area.
  • Repair cracked, broken or uneven driveways and walkways to provide a level walking surface.

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11 years ago · by · Comments Off on Sprucing up your yard for Spring

Sprucing up your yard for Spring

spring - gardenWith the warm spring weather comes the desire to make your yard more presentable. While some of the tasks listed below might seem tedious, the end result — a beautiful yard that bursts with life — that will make all your efforts seem worth it.

1. Do a clean sweep. This is the time to remove all that debris leftover from the winter storms. Remove dead leaves, twigs and fallen branches from your yard. Tackle any weeds that have popped up to take advantage of the warmer weather.

2. Feed your yard and your garden. After the long winter, take time to feed and seed your yard and garden. This provides a firm foundation for a robust yard of green grass later on in the season.

3. Plant it! Whether you want to try your hand at vegetable gardening this year or you are looking forward to the colorful blossoms of spring, early spring is the time to plant. Purchase flowers that have already been started for a welcome splash of color. Thoroughly fertilize your garden plot to ensure that your young plants have a strong start in life.

4. Add accessories. Just like your accessories make your outfit, so do they in your yard. Large planters highlight favorite plantings while lawn furniture gives you a comfortable and relaxing place to unwind after a long day at work.

5. Tend to older plants. Now that winter is over, it is time to see how your existing foliage weathered the elements. Take the time to prune your bushes, trees and other plants. Mulch them thoroughly to provide them with the nutrients they need to recuperate after the winter. Then enjoy them as they bloom for you once again this year.

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Company information

Scurich Insurance Services
Phone: (831) 661-5697
Fax: (831) 661-5741

Physical:
783 Rio Del Mar Blvd., Suite7,
Aptos, Ca 95003-4700

Mailing:
PO Box 1170
Watsonville, CA 95077-1170

Contact details

E-mail address:
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(831) 661-5697

Available 8:30am - 5:00pm