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Hurricane checklist: What to do before and after the storm

Hurricane checklist: What to do before and after the storm

In areas where hurricanes can strike, it’s a good idea to have a closet or a place set aside for storm preparedness storage. There, you can keep items you’ll need in case disaster strikes suddenly or you need to evacuate.

It’s also important to know the difference between a watch and a warning, and when they are issued for tropical storms and hurricanes.
A hurricane warning means hurricane conditions — sustained winds above 73 mph — are expected somewhere within the warning area, and it is time to finish preparation to protect people and property. “Because hurricane preparedness activities become difficult once winds reach tropical storm force, the hurricane warning is issued 36 hours in advance of the anticipated onset of tropical storm-force winds” — 39 to 73 mph, the National Hurricane Center says.

Hurricane safety: When the lights go out

A hurricane watch means hurricane conditions are possible in the watch area, and is issued 48 hours before the anticipated onset of tropical-storm-force winds.
A tropical storm warning means tropical storm-force winds are expected somewhere in the designated area within 36 hours. A tropical storm watch means such conditions are possible within 48 hours.

What to do as storm approaches:

  • Download an application to your smartphone that can notify people where you are, and if you need help or are safe. The Red Cross has a Hurricane App available in the Apple App Store and the Google Play Store as well as a shelter finder app. A first aid app is also available.
  • Use hurricane shutters or board up windows and doors with 5/8-inch plywood.
  • Bring outside items in if they could be picked up by the wind.
  • Clear gutters of debris.
  • Reinforce the garage door.
  • Turn the refrigerator to its coldest setting in case power goes off. Use a cooler to keep from opening the doors on the freezer or refrigerator.
  • Fill a bathtub with water.
  • Get a full tank of gas in one car.
  • Go over the evacuation plan with the family, and learn alternate routes to safety.
  • Learn the location of the nearest shelter or nearest pet-friendly shelter.
  • Put an ax in your attic in case of severe flooding.
  • Evacuate if ordered and stick to marked evacuation routes if possible.
  • Store important documents — passports, Social Security cards, birth certificates, deeds — in a watertight container.
  • Have a current inventory of household property.
  • Leave a note to say where you are going.
  • Unplug small appliances and electronics before you leave.
  • If possible, turn off the electricity, gas and water for the residence.

List of supplies:

  • A three-day supply of water, one gallon per person per day.
  • Three days of food, with suggested items including: canned meats, canned or dried fruits, canned vegetables, canned juice, peanut butter, jelly, salt-free crackers, energy/protein bars, trail mix/nuts, dry cereal, cookies or other comfort food.
  • A can opener.
  • Flashlight(s).
  • A battery-powered radio, preferably a weather radio.
  • Extra batteries.
  • A first aid kit, including latex gloves; sterile dressings; soap/cleaning agent; antibiotic ointment; burn ointment; adhesive bandages in small, medium and large sizes; eye wash; a thermometer; aspirin/pain reliever; anti-diarrhea tablets; antacids; laxatives; small scissors; tweezers; petroleum jelly.
  • A small fire extinguisher.
  • Whistles for each person.
  • A seven-day supply of medications.
  • Vitamins.
  • A multipurpose tool, with pliers and a screwdriver.
  • Cell phones and chargers.
  • Contact information for the family.
  • A sleeping bag for each person.
  • Extra cash.
  • A silver foil emergency blanket.
  • A map of the area.
  • Baby supplies.
  • Pet supplies.
  • Wet wipes.
  • A camera (to document storm damage).
  • Insect repellent.
  • Rain gear.
  • Tools and supplies for securing your home.
  • Plastic sheeting.
  • Duct tape.
  • Dust masks.
  • An extra set of house keys.
  • An extra set of car keys.
  • An emergency ladder to evacuate the second floor.
  • Household bleach.
  • Paper cups, plates and paper towels.
  • Activities for children.
  • Charcoal and matches, if you have a portable grill. But only use it outside.

What to do after the storm arrives:

  • Continue listening to a NOAA Weather Radio or the local news for the latest updates.
  • Stay alert for extended rainfall and subsequent flooding even after the hurricane or tropical storm has ended.
  • Use the Facebook Safety Check to let family and friends know you’re safe.
  • If you evacuated, return home only when officials say it is safe.
  • Drive only if necessary and avoid flooded roads and washed out bridges.
  • Keep away from loose or dangling power lines and report them immediately to the power company.
  • Stay out of any building that has water around it.
  • Inspect your home for damage. Take pictures of damage, both of the building and its contents, for insurance purposes.
  • Use flashlights in the dark. Do NOT use candles.
  • Avoid drinking or preparing food with tap water until you are sure it’s not contaminated.
  • Check refrigerated food for spoilage. If in doubt, throw it out.
  • Wear protective clothing and be cautious when cleaning up to avoid injury.
  • Watch animals closely and keep them under your direct control.
  • Use the telephone only for emergency calls.

Sources: American Red Cross, Federal Emergency Management Agency, National Hurricane Center

by CNN Staff, September 5, 2018
https://www.cnn.com/2012/08/27/us/hurricane-preparation/index.html

 

flood

Why Flood Insurance Is a Wise Bet for Homeowners

The federal government considers floods the nation’s most common natural disaster. They strike every state and leave homeowners with huge repair costs. Why? Because typical homeowners insurance doesn’t cover flood damage.

Those policies may provide protection for water damage when it comes through a hole in the roof and or from wind-driven rain. But coverage doesn’t extend to damage caused by water from a storm-swollen river, torrential rainfall or other flood-inducing conditions.

Homeowners are required to purchase flood insurance if they have a federally backed mortgage and live in a high-risk flood area as identified by the National Flood Insurance Program.

For others, though, it’s optional.

With premiums starting as low as $171 a year for a home and its contents, it’s coverage homeowners may want to consider.See note1

“Floods can occur anywhere,” says Corise Morrison, executive director of residual markets for USAA. “Low risk does not mean no risk.”

The Federal Emergency Management Agency (FEMA) establishes flood-risk ratings for areas based on hydrologic studies and other data. In high-risk areas, a 1 in 4 chance of flooding exists over a 30-year mortgage. In moderate- to low-risk zones, the chance of flooding is reduced but still present.

More than 20% of the NFIP’s claims come from people with property outside of high-risk areas, according to federal estimates.

USAA sells and services coverage under the NFIP. The program’s maximum coverage is $250,000 for a home and $100,000 for its contents, but USAA can refer members to a broker if additional coverage is needed. The program also provides coverage to condo owners and renters.

Homeowners can assess their risk for natural disasters plus get tips on how to minimize them and protect their personal property with USAA’s Property Risk Assessment Tool.See note2 Additional information on risk ratings is also available through the NFIP.

But don’t wait until an extreme storm is approaching to act. Normally, flood coverage won’t begin until 30 days after purchaseā€¦call us to purchase flood insurance for you home today!

Office: 832-497-5522
Email: quotes@cypressinsuranceteam.com

Information Courtesy of USAA
March 15, 2018
https://www.usaa.com/inet/wc/advice-disaster-floodinsuranceimportance?akredirect=true

Why use a broker?

An insurance broker can save you time, money and worry. Just like an accountant or lawyer who provides you with professional advice, based on years of training and experience, a qualified broker can do the same with your insurance.

Insurance can be incredibly complicated to fully understand, and an insurance broker can help you understand the details of a policy and also work out what level of coverage you need so that you are properly protected.

Using a broker doesn’t necessarily cost more. Often it costs less because brokers have knowledge of the insurance market and the ability to negotiate competitive premiums on your behalf. In addition, because insurance brokers deal with a range of insurance companies directly, sometimes they can access policies that are not available to most consumers.

If the worst happens and you do have to make a claim, a broker will act on your behalf, liaising with the insurance company to negotiate the best possible outcome for the client. So whether it’s home, car, life or business insurance, brokers are the best, most trusted source of advice available to make sure you are properly protected.

Courtesy of National Insurance Brokers Association

15835 Mueschke Rd, Cypress TX 77433