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Plan Ahead to Avoid Disaster

Mon, Feb 26, 2018 at 3:35PM

Plan Ahead to Avoid Disaster

While it’s largely impossible to predict exactly when and what type of disaster might strike, as a homeowner, you have the power to create a plan of action that ensures you’ll be covered no matter what happens.

Severe weather is a fact of life in Florida. Last year, our state experience deadly tornadoes, hurricanes, and other natural disasters. Meteorologists predict the severe weather trend will continue in the coming years. That’s why it’s best to start your disaster plans now — paying special attention to your insurance coverage and needs. Here’s how to get started:

Get Everyone on Board

When crisis strikes, time and patience will be in short supply. It’s essential to properly and thoroughly plan while everyone in the household has a clear head and calm demeanor.

Create an emergency strategy, including evacuation procedures. Set at least two safe areas (Plan A and B) where loved ones will meet in the aftermath of the incident.

Make sure everyone in the household understands the severity and importance of following this plan to the last detail. Especially for families with small children, it’s wise to do a “run through” drill of your emergency plan, to ensure everyone is fully aware of and comfortable with their roles and responsibilities.

Stock Emergency Kits and Supplies

Ideally, you should have both a first aid and general supply kit always on hand. At a minimum, your first aid kit should include the following items:

  • flashlights with extra batteries
  • battery-operated weather radio
  • first-aid supplies such as bandages
  • antiseptic wipes
  • personal safety necessities

As for supplies, a good rule of thumb is to have enough food and water for every member of the household for at least two weeks. Other supplies essentials include:

  • medicines and copies of prescriptions
  • personal hygiene items
  • blankets and bedding
  • seasonal clothing
  • portable (battery-operated) heaters and cooling devices, such as fans

Well in advance of the incident, ensure you have enough cash (not checks or credit cards) and that vehicles are adequately fueled. Fully charge electronic devices. In addition, be sure that important documents (personal identification, passports, insurance documents) are stored in a dry and secure place. Many people choose to purchase a home safe for this purpose, while others rely on bank safety deposit boxes or other options.

For families with small children, it’s wise to set aside:

  • books
  • games, toys, and stuffed animals
  • extra clothing
  • comfort food and comforting personal items
  • current photo of child and family
  • emergency contact information

Get Assistance

Don’t wait until a storm hits or is looming to think about homeowner’s insurance. The time to prepare and secure comprehensive insurance is now.

Since 2002, we’ve helped Florida families and individuals gain the peace of mind that they’re covered in any number of scenarios. Homeowner’s insurance specialists, our office also covers many other areas, including auto, risk management, business and commercial, and more. Contact us today to learn how we can help with all your insurance needs.

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