By: Advocate Brokerage
Natural disasters are, by definition, any event or force of nature that has catastrophic consequences – an avalanche, earthquake, flood, forest fire, hurricane, lightning, tornado, tsunami, and volcanic eruption. These unexpected, but destructive events are dangerous and normally leave an expensive trail of devastation in their wake.
Because Advocate Brokerage has been working with victims of such disaster for over 42 years, we would like to share some valuable information about increasing your readiness in the event of a natural disaster. Along with carrying sufficient insurance coverage, adequately preparing your family if the unthinkable were to happen can significantly reduce the risks associated with these calamities.
The following are suggestions from the authoritative Federal Emergency Management Agency (FEMA) about effective preparations for a Natural Disaster.
First, FEMA provides a template on its website for planning in case of an emergency. This template is designed to detail emergency contacts, family members, insurance, and personal information you will need to have quickly at hand after a natural disaster.
Fill out this worksheet and store it in a safe location that will be readily accessible should an emergency situation arise.
The next step would be to discuss with family, friends, your children’s school, and those at your place of work on all emergency protocols or plans. Were disaster to strike, you should identify some kind of safe location and make contact with other members of your family.
A meeting place should also be decided upon in case power or communication lines become unavailable.
Due to the risk of utility failure during and after a natural disaster, prepare a kit stocked with the basic necessities. Included in this kit should be medical supplies, food and water for up to 72 hours, and any items that you will need if electricity, gas, water, telephone, and or sewage treatment are cut off. These items can include portable propane cooking devices or pre-packaged foods such as Meals Ready to Eat (MREs). This kit should be assembled well in advance in the event an evacuation is required.
Another key step in preparing for any natural disaster is to become better informed about possible catastrophes. If you live in an area with increased risk, be mindful of any alerts or advisories providing early warnings. Knowledge is one of the most powerful tools for keeping your family safe.
Being prepared is a very prudent way to keep your family safe and complements any comprehensive and personal insurance policy you may have to reduce the cost of such natural disasters. Please contact us to find out how we can provide you and your family with protection for yourselves, your home, and/or your business – all customized to fit your specific needs and budget.
Post written by DGI