Tornado Hits While Driving

Seeing a tornado while driving can be terrifying. Being prepared and knowing what to do ahead of time can be the difference between life and death. Here are some quick tips to help keep you safe.

Don’t Panic

Staying calm and keeping a level head will allow you to assess the situation quicky and take action. Panicking may cause bad decisions and put you in further danger. Take a deep breath and try to think clearly and calmly.

Get Out of the Tornado’s Path if You Can

Tornados can be unpredictable, however if it is far enough away you may have the time to get away from it. If you can see what direction it is heading, redirect your vehicle and travel in a right angle away from the direction of the funnel. In other words, if it is heading south, you should travel east.

Seek Shelter

In an ideal situation you would be in an area where you could seek protection in a solid structure. Try to find a building to shelter in such as a restaurant, truck stop, convenience store, or grocery store. Head to the basement or find a central room or small protected space away from windows and wait for the storm to pass.

Take Cover if You’re Too Close

If you are too close to the tornado and there are no solid structures nearby, don’t attempt to outrun the tornado as they can move as fast as 60 miles per hour. Instead, consider whether you can safely reach a ditch or other area that is lower than the road. If you see an option nearby, exit your vehicle, get there as quickly as you can, and lay flat while covering your head and neck with your arms. Do not be tempted to seek shelter under an overpass or tunnel as winds will be increased in those areas.

If No Other Option…

If a safer spot outside the vehicle is not an option, pull over, stop the car (but leave it running so the air bags work), and crouch down below the windows. The airbags and frame of the car will offer some amount of protection, but certainly not absolute safety.

Tornados cause great threat to property and life and can be even more harmful to life if you are on the road when it touches down. However, if you have the right information and know what to do, you can stay safe in such a hazardous situation.

snowy street in NJ

Winterizing Your Home in New Jersey

Winterizing your home is very important. It should be done not only to avoid claims, but also to decrease your power bills. An example of a claim is water damage from burst pipes may be covered by your homeowners' insurance policy. But failing to proactively drain these items qualifies as homeowner negligence. The best time to winterize your home is during the fall. 

Here is a checklist to make sure that you are maintaining your property while being proactive in avoiding losses and increased costs during the winter months. 

Winterization Checklist

PIPES: Make sure that your pipes are properly protected. If you have indoor pipes on an exterior wall, you may need to wrap the pipe with insulation to avoid freezing. If a pipe freezes, you risk the chance of it cracking, and then once the ice thaws the pipe will start leaking or may burst. Also don’t forget to turn off the water supply to all exterior spouts and drain all spigots, hoses and sprinkler lines. 

DOORS/WINDOWS: Weatherproofing your home can make such a difference in the cost of electricity, oil or gas. Now is the time to install those storm doors and windows that will keep the cold air out and the heat in. You can also install plastic or heavy-duty insulated curtains over your windows. In addition, if you can see light coming in under the door, cold air will come in as well. It is good to install a door sweep, which helps create a seal and keep the cold air out. 

FIREPLACE: Fireplaces provide such warmth and comfort during the colder months, but they can also cause damage if you don’t maintain them properly. If you have a fireplace, it is best to have it inspected and cleaned every year. If there are animal nests, creosote or soot buildup, you will want to be sure to clean it out prior to having your first fire of the season. A buildup of such items can catch fire as embers float up your chimney, or can cause a backdraft of smoke into the home if there is not enough space for it to escape from the chimney. If your fireplace is wood burning, it is also good maintenance to vacuum or sweep out any accumulated ash from the firebox. 

GUTTERS: Cleaning gutters should be a year-round home maintenance item, however, it is most important to inspect and clean them after the last leaves have fallen in autumn. Cleaning the gutters of leaves and other debris prior to the winter months is the best way to prevent clogging and will allow melting snow to drain properly.  

OTHER OPENINGS: Besides doors and windows, cold air can seep through wherever there is an opening between the interior and exterior walls. Caulk and forms of insulation are the best solutions to sealing these openings. Caulk can help to seal up cracks around window and door jambs. Foam outlet protectors can be used in outlets where you can feel the cold air pouring in. Perhaps the area where most heat escapes is the attic. Making sure that your attic is properly insulated will help keep heat in. 

THERMOSTAT: The Department of Energy suggests that you keep your thermostat at 68 degrees when you are home. It is also a good idea to lower your thermostat a few degrees while you are away or sleeping in order to keep bills down. You can get a programmable thermostat that will let you customize your heat settings so it runs more efficiently and takes a break when it’s not needed. 

FURNACE: You should be switching out your furnace filter every 3 months. Over time, the filter will collect dust, pollens, trapped lint, etc. The clogged air filter will make the furnace work harder and run longer in order to heat your home. This will not only increase your bill but will also shorten the life of your furnace.  

ROOF: Roof maintenance is very important all year round; however the weather can be especially rough on your roof in the winter. Before winter, you should look for broken or missing shingles, clogged valleys, damaged flashing, or other deterioration. Be sure to clear debris from the roof and cut back overhanging branches that can drop and damage the shingles and gutters. Check the attic ceiling to ensure that there is no staining from water leakage. It is also a good idea to check the ventilation in the attic to be sure that it is properly ventilated to avoid mold and mildew. 

STOCK UP: Be ready for the next winter storm by making sure you have all of the necessary staples on hand. During colder months, and especially winter storms, it is necessary to have these items in stock at your home: a snow shovel, ice scraper, ice melt, flashlights, batteries, weather radio, emergency car kit, and in case of snow storm extra water and nonperishable food for family members and pets. Being prepared will make any inconvenience caused by a storm more tolerable. 

Winterizing your home in the fall ensures that you have done everything you can to keep heating costs down, avoid losses, and enjoy the winter months.