Are You Prepared in the Event of a Disaster?

In the event of a disaster that partially or completely destroys your home (or its contents) you have a homeowners insurance policy to help you recover. But no amount of insurance will prevent bodily harm, and your life is worth more than any material object you could ever own.

At their worst, natural disasters could put you in serious danger. On the other end of the scale, you could at least endure some serious discomfort and safer.

Make a plan. You don’t want to make serious decisions under duress and learn the locations of likely shelters in your area in case you can’t travel.

Pack an emergency bag. Whether you evacuate during a disaster or are forced to stay put, you will need certain necessities. Pack a bag with flashlights, a radio, batteries, a basic food supply, a few bottles of water, comfortable shoes, a small first aid kit, and anything else you might need to stay comfortably alive for several days.

Remember your medications. If you need to evacuate at some point, remember to grab all medications.

Make copies of important documents. Your paper copies could get lost during a fire or flood. Make digital copies of your identification cards, homeowners insurance policy, account statements, and store hard copies somewhere secure.

Take stock of your belongings. Your homeowners insurance policy offers some coverage for “contents” of your home. Having proof of these belongings can streamline the claims process, so walk through your home with a video camera and keep a hard copy of the video with your important documents.

Make a list of contacts. Make a list of emergency contacts andy if you lose your phone or the battery dies.

Consider a back-up power source. A small generator is enough to power your refrigerator and charge your devices, offering a bit of convenience during long power outages.

Don’t hesitate to get out. If an evacuation is ordered, get out in the recommended time frame. Fires and nothing is worth risking your life.

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