Tag Archives: Hurricane

A week of hurricane preparation: Crucial steps to take

Hurricanes are a risk that all southern and eastern coastal communities are in danger of. The storms can form and can strengthen rapidly leaving little time for proper preparation. This list details things you can do within a week to help get your family and your home ready for the impact.

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INSURANCE:

  • Pull out your insurance documents. Make note of your coverage limits and your deductibles. Consider how much you’d need to cover the cost to replace your home’s structure, your personal belongings and your automobile. Call your agent(s) to confirm that you understand everything correctly.
  • Make a video inventory of your entire house including inside drawers, closets, etc. For higher priced and valuable items make sure to get the make/model, serial number and any other information that would be required to prove the value. Upload the video(s) to the cloud.

Extra Tip: Anyone with a child renting their own place should make sure that they have an active renter’s insurance policy and that they follow these same steps.
EVACUATION:

  • Much like an emergency kit but not in place of, pack everyone in your household a bag or suitcase with everything they would need for 2-3 days such as outfits, chargers, weather gear, etc. Critical medicine, food and water should be in every bag in case one gets lost. Don’t forget to pack one for your animals!
  • Make sure everyone has a phone list of emergency contacts (at least each other, a local contact and a contact that is out of the area). These should be programmed into phones and a printed copy should be in every bag with instructions on where to go if you get split up. You should have a safe place planned locally and another safe place to meet should you have to evacuate.

Extra Tip: When cell service is bad a text message may go through when a phone call won’t. Plan basic, short text messages to be shared among your emergency contacts such as “Safe. At Mimi’s”.
PROPERTY:

  • Take any movable items outside your home and move them inside. For items that are too heavy or large to move in, use cables or chains to secure them down so they can’t be blown around.
  • Consider purchasing a heavy-duty gasoline container to be filled and stored it in a cool, well-ventilated area. You don’t want to wait for an evacuation order to start running vehicles and gas cans to the station. Not only could the station run out of fuel before you get there, waiting would take precious time from other preparations and delay your departure.
  • Prepare to board up. Measure all window and glass door openings (include the framing). Purchase plywood pieces and pre-cut them to fit your measurements. Some lumber stores such as Home Depot and Lowe’s may even have a panel saw and can cut them for you. Grab a box of screws and a drill if you don’t have one.

Extra Tip: Consider purchasing a generator. If you do purchase one, first test all your carbon monoxide detectors, then pick a safe place that you’ll be able to run it. The running place should be outside in a well ventilated are (no garages or basements!), that is dry and where you can quickly connect to it. Watch this video by Lowe’s for some other important generator tips: https://www.youtube.com/watch?v=eaLamTvTQc0
Questions? Concerns? Recommendations? Give us a call or send us an e-mail. We’re happy to help!

Why We Are Still Talking About Hurricane Sandy

It was last fall that Hurricane Sandy battered the east coast, but we are still seeing pictures today of the damage inflicted and reading about Sandy Relief Fund donations. Pictures portray areas that have hardly been touched since the super storm hit. Community assistance and volunteers are still widely needed and funding is still an issue. Why are we still buzzing about Sandy? Thank Katrina.

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Much of the hundreds of millions of federal dollars provided to the residents of Louisiana after Hurricane Katrina cannot be accounted for. Funds were provided for the homeowner’s to elevate their homes above floodwater threat levels with a deadline of 3 years to complete the elevation. Here we are years later seeing the level of homes unchanged. The mass search of receipts to prove where exactly the funds were spent is a headache of a mess. Trying to collect the funds back from non-compliant homeowners is going to be difficult if not near impossible.

By the time Hurricane Sandy devastated New Jersey, those with the power to grant the funds learned from what happened in Louisiana.  Planning to release the finds in installments was part of the process of avoiding the mess. This plan involves more support including but not limited to production management, inspections, confirmation of work completion, and then collection. Where more support is required, more funds are required to cover that support. More time is required for the communication between each support system. An estimated 26,000 homeowners will benefit from federal programs upon approval, but these limited funds are approved for specific repairs and it is necessary to ensure that they are used properly.

Even in some of the average covered losses I see within the year, this installment process is present. The urgency to repair after a widespread catastrophe cannot compare, but the steps on how to collect can. If the funds are approved and released upon an agreed scope of repairs, you would divide the services by the payments required to complete them. Once one percentage of the project is complete, application for the payment is submitted. The work is inspected to confirm completion, and then funds are released. In doing this, someone, contractor or homeowner, is covering the cost and then maybe being reimbursed by the insurance company. Although this is a longer process, it protects policy holders from the dangers of fraud. In a large catastrophe situation, it protects disaster relief depletion due to those who don’t intend to spend the small amount of available funds as instructed.

Of course, there are other reasons we are still seeing incomplete restorations. These are not limited to insufficient insurance coverage, funding, and property view debates. There were homeowner’s blindsided to find that their basic insurance didn’t cover flood loss. Neighbors are arguing about view obstruction from house elevation. Many owners have now come to find that they need to completely tear down their homes and rebuild from scratch.  Any unattended homes by now that still had water damage would be ridden with mold.

We also still get to witness the beauty within all the devastation. Even back after Hurricane Katrina hit, the growth in the presence of community is grand. With each large disaster, there are still thousands of people willing to help. Disaster relief committees learn from the last catastrophe to more effectively restore from the current. All the talk we still hear and pictures we still see about Hurricane Sandy are a great reminder that homeowners and renters not only need to learn from what happened, but also apply it. This 2013 hurricane season starts on a canvas perfect for another large storm. Plan ahead, review your coverage, and be aware of your risk.

 

For specifics on New Jersey’s recovery from Superstorm Sandy (also a great resource for victims) visit http://www.fema.gov/news-release/2013/07/15/new-jersey-recovery-superstorm-sandy-numbers

For great resources to plan and prepare for any disaster, visit: http://www.fema.gov/plan-prepare-mitigate