Home Disaster Planning - The Essentials

No one likes to envision the possibility of natural disasters like floods, fires, hurricanes or tornados in their future, nor do they like to think about crimes like theft and vandalism. However, by investing the time now in a little preparation, you can have peace of mind later.

Here’s some information to consider for protecting your home, yourself and your family in the event of a disaster:

Consider renters insurance.

Renters insurance is often overlooked; however, it’s a small cost that can save you substantial money if something happens to your personal belongings in the event of fire, vandalism, theft or any kind of disaster. Broad form is the more limited and less expensive option of property insurance. Comprehensive form covers everything unless the policy specifically excludes it.

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Find a safe place to stay.

The Federal Emergency Management Agency can provide housing assistance if your home is damaged or destroyed. You should also look to the American Red Cross, which helps provide shelter for people in disaster situations.

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Be safe, inside and outside your home.

If your home has been damaged, your power lines and gas lines may have sustained damage also. Be sure to take several safety precautions, such as turning off your gas and electricity if you can do so safely, avoiding puddles and other standing water, watching for leaking gas lines and propane containers, and staying alert as standing structures may be fragile.

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Stay informed.

Depending on the disaster, radio and TV reports may provide news through the Emergency Alert System. This system, along with news and government agency social media sites, can provide information about what to do, where to go and how to contact local disaster relief services.

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