September reminds some of you that you will soon face winter storms. At the same time, others might still have concerns over the track of tropical storms. Either way, the Department of Homeland Security wants to promote each September as National Preparedness Month to remind Americans how they can benefit from disaster planning. To help, Ready.gov offers plenty of information about planning for various types of emergencies or disasters.
Last year, millions of people suffered because of wildfires, hurricanes, and other threats. Families who could make plans in advance usually suffered less, bounced back faster, and even saved lives.
How to Prep Your Home and Family for Disasters
Have you considered how a severe storm, flood, or other hazard would impact you? Take these steps to make sure your home and family can handle an emergency:
- Address the worst case first: You need to make sure that you have reliable ways to receive alerts and communicate with other people in your family if you get separated. An old-fashioned, battery radio and battery-powered phone chargers can come in handy. Also, find and discuss likely evacuation routes and nearby emergency shelters.
- Prepare your home: During many natural disasters, residents shelter at home. Make sure you have water, flashlights, stored food, stocks in your first aid kit, and other essentials you might need if you lose your utilities. If you purchased batteries and other supplies several months ago, you need to make sure they’re still usable. If anybody in the household relies upon medicine or medical equipment, that needs to be considered.
- Document your plans: You can print and download a couple of forms to document your emergency and communication plans from the FEMA website. These will help you document your emergency plan. Make sure you share this document with others in your family and that they know where to find it if they have questions.
- Practice with your family: Your eight-year-old might be a whiz with computers, but are you certain that he knows how to replace batteries in a battery-powered radio or even knows where you keep them? While you might simply explain some aspects of your plan, you may need to demonstrate and practice other parts.
Don’t Forget to Plan for High-Quality Insurance Coverage
Have you taken the time to speak with an insurance agent about typical risks you may face and what kinds of coverage will protect you? For instance, typical homeowners policies won’t protect you against natural floods, so you may need to consider purchasing flood insurance. At North Carolina’s Overbay Insurance, we are always here to help you protect your family, home, and pocketbook.