flood insurance

Preparations Before a Cyclone Hits

by Stacey Thompson

Hurricanes and typhoons are very powerful storm systems that pack powerful winds and rain that have the capability of causing massive destruction to property and loss of life. For us, two hurricanes have left their mark on our collective memories, hurricanes Katrina and Sandy

Whichever side of the fence you are on about global warming, it is an undeniable fact that the more erratic and forceful weather patterns are connected to this phenomenon. The ferocity and frequency of these destructive events are increasing, and thus, more people are affected, their property and lives at the mercy of nature’s wrath.

If anything, physical evacuation from the affected area is probably the safest thing you can do, provided you have both the luxury of time ahead of the actual event, the proper logistics, and a place to stay away from the potential calamity. For those that do not have such an option, or insist on staying in their homes, it is imperative that the proper preparations (Read more....)

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Should you buy Flood and Earthquake Insurance?

Most people will tell you that both flood and earthquake disasters are extremely rare today. Even if this is true, the most recent disasters that have occurred in both the United States and beyond have been extremely devastating both emotionally and financially. If you didn’t have insurance and your house ended up in the middle of a natural disaster, how would you pay for it? Do you think that you would have enough money to potentially rebuild your entire house from scratch? Will homeowners insurance alone be enough to cover you? These are questions that everyone should be able to answer accordingly.

To answer one of the questions asked above, most homeowners insurance will not cover earthquake or flood damage. If a natural disaster occurs in a large enough area, assistance is normally provided through loans or grants by the government. This area will then be classified as a disaster area by the Federal Emergency Management Agency (FEMA). If this type of scenario concerns you at all, the first thing that should be done is to go over your current insurance plan with your provider to find out what is and what isn’t covered. If you live in an area that is prone to either floods (Read more....)

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Courses of Action: Surviving a Flash Flood

Floods are the most common natural disaster in the United States. While a flood could be the result of many days of rain, heavy rains and broken levees could result in a flash flood.

Flash floods arrive over the span of a few hours, which leaves little room to prepare once the threat is imminent. The safest approach to preparing for a flood or any natural disaster is to have a plan in place well before the threat actually arises.

At Home

When preparing for any natural disaster, it is important to have an emergency supply kit. Because most natural disasters will require you to evacuate, you will want to create a supply kit that is portable. This could be as simple as a hiking backpack or storage containers that can easily be loaded into the car.

Basic Emergency Checklist

·   Water
·   Food with a long shelf-life
·   An NOAA weather radio
·   Batteries
·   Flashlight/Lantern
·   Camping gear
·   A change of climate appropriate clothes for the entire family
·   First Aid Kit and any prescription medicine

If you live in a flood plain, you will need to identify an evacuation point. This (Read more....)

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Why God?

Preparations Before a Cyclone Hits

Should you buy Flood and Earthquake Insurance?

Courses of Action: Surviving a Flash Flood