There is an old saying "An ounce of prevention is a pound of cure.". This is never more true than when it come to tropical cyclones and the damage they can cause. With some simple fore thought and planning, you can greatly reduce the risk of loss of your loved ones and important documents. The following are ways you can help protect your past, present, future, and peace of mind. This is your call to action!
After loved ones, people most regret losing valuables (such as jewelry), items from the families past (such as photos and mementos), and important papers to natural disasters. While most of the appliances and furniture can be replaced, it is the treasured keepsakes and important documentation most regret losing. These items include but are not limited to...
Depending upon your particular tropical cyclone hazard(s), you have several options you can do to minimize the risk of losing these items.
Storm surges undermine building foundations by constant agitation of the water piled high by the tropical cyclone. The end result can be a complete demolishing of homes and businesses. If the storm is bad enough you will be asked evacuate and head inland to safety.
In this case, you need to plan ahead for that possibility. For your valuables, have several large rubber storage containers available in which you place your photos and mementos so you can take them with you when you evacuate.
If you live well inland and storm surges and hurricane force winds will not be a problem, you could still be affected by flooding from very heavy rains. However, even in the most severe inland flood events, houses usually are not completely submerged. Simple precautionary steps now will help you save your memories.Begin with simply hanging pictures a little higher on the wall. This will help diminish the threat of losing them forever to floods. Do you have extra photos laying around that may not be displayed? If they are not on display, place them in plastic storage containers and store them in the attic.
Have an extra, empty plastic storage container available to quickly gather jewelry, mementos, and other displayed photos and place the container in the attic should a flood emergency arrive.
If a flooding is occurring at your home, immediately shut off your electricity at the circuit breakers. This will prevent short circuiting electrical appliance such as refrigerators.
In many cases, with minor flooding, the refrigerator will just need to be cleaned and can be put back into use again. If the power was left on in a flood, the short circuit will make repairs very costly.
Also, if you normally keep valuable documents in a fire-proof safe, check to insure it is water-proof as well. A water-resistant safe might not prevent water from entering the safe should it become submerged in a flood.
Help protect your present dwelling by retrofitting your home. The most important precaution you can take to reduce damage to your home and property is to protect the areas where wind can enter.
According to recent wind technology research, it's important to strengthen the exterior of your house so wind and debris do not tear large openings in it. A great time to start securing, or retrofitting, your house is when you are making other improvements or constructing additions.
Remember: building codes reflect the lessons experts have learned from past catastrophes. Learn more how to minimize damage to your property by visiting the Insurance Institute for Business & Home Safety.
Help protect your present dwelling through flood insurance.
When you hear hurricane, think flooding, both from storm surge and from inland flooding. Learn your vulnerability to flooding by determining the elevation of your property. Evaluate your insurance coverage; as construction grows around areas, floodplains change.
Why flood insurance? Because damage from floods are not usually covered by homeowners policies. Flood insurance is affordable. The average flood insurance policy costs a little more than $300 a year for about $100,000 of coverage. In comparison, a disaster home loan can cost you more than $300 a month for $50,000 over 20 years.
You should know that usually you can get flood insurance, if available, by contacting your regular homeowners insurance agent. The Federal Emergency Management Agency (FEMA) and others recommend that everyone in special flood hazard areas buy flood insurance.
If you buy a home or refinance your home your mortgage lender or banker may require flood insurance. But, even if not required, it is a good investment especially in areas that flood frequently or where flood forces are likely to cause major damage.If you are in a flood area, consider what mitigation measure you can do in advance. For example, in highly flood-prone areas, keep materials on hand like sandbags, plywood, plastic sheeting, plastic garbage bags, lumber, shovels, work boots and gloves. Call your local emergency management agency to learn how to construct proper protective measures around your home.
There is usually a 30-day waiting period before the coverage goes into effect. Plan ahead so you're not caught without flood insurance when a flood from tropical cyclones threatens your home or business.
Remember, federal disaster assistance is not the answer. Federal disaster assistance is only available if the President declares a disaster. More than 90 percent of all disasters in the United States are not Presidentially declared. Flood insurance pays even if a disaster is not declared.
For the National Flood Insurance Program call 1.888.379.9531, TTY# 1.800.427.5593.
The previous "Calls To Action" were concerned mainly about your property. The following steps are primarily for your protection and to help ensure the safety of your loved ones.
Your best protection is to know when there is a threat of hazardous weather. Before the start of the tropical cyclone season, obtain a NOAA Weather Radio and listen to the forecast directly from your local National Weather Service Office. Not only will to be better informed concerning tropical weather systems, you will be able to be alerted to all types of hazardous weather that could affect you.
At the start of the tropical cyclone season...
Develop an emergency communication plan. In case family members are separated from one another during a disaster (a real possibility during the day when adults are at work and children are at school), have a plan for getting back together.
Ask an out-of-state relative or friend to serve as the "family contact." After a disaster, it's often easier to call long distance. Make sure everyone in the family knows the name, address, and phone number of the contact person.
At the end of the tropical cyclone season, use the food you stored provided the you have not exceeded the expiration dates. You will want to store fresh supplies for the next tropical cyclone season.If a hurricane watch is issued for your area, you could experience hurricane force wind conditions within 48 hours. Do the following...
If a hurricane warning is issued for your area then sustained winds of at least 74 mph (119 km/h) are expected within 36 hours or less. Do the following...
Remain in your shelter as the back side of the storm can be only minutes away with a just as sudden and rapid increase in wind speed, this time from the opposite direction.
After the hurricane has completely passed your location do the following...
If you remained at your house during the storm...
Tropical cyclones, in and of themselves, are not "bad" things. They are just one way nature transfers heat energy from the tropics to the north and south poles. What makes them bad to us is when they affect us. While these storms cannot be prevented you can have peace of mind knowing you did all you could to minimize the impact on your life.If you are moving into an area that can be affect by tropical storms, try to avoid living in a place where you may be at risk of storm surge.
Also, creeks and rivers, while picturesque, could become disasters areas during a flood; stick to higher ground. Anything to can do to minimize the future impact of a tropical cyclone on your home will be one less thing to worry about if the event occurs.
You may hear some of the "locals" make statements like "I've lived here x-number of years made it through storms such-and-such" or "a certain hill or creek protected us at this-or-that place".
While you cannot discount their experiences, you can know they were fortunate during those events. It's best to be prepared. This could be the year a tropical cyclone could bring devastating results.
For your peace of mind, always heed your local officials instructions. It is their responsibility to serve your community. If you follow their guiding, you will make their job much easier.
If they ask you to evacuate, do so immediately. This way, you will not be a burden on the local rescue teams so they can better assist the ones who may need rescue through no fault of their own.
Your evacuation will also aid the police after the storm passes. Unfortunately, some people try to take advantage of others going through difficult situations.
While generally not widespread, looting does occur in neighborhoods damaged by tropical storms. Your absence will help the police better monitor the region and make it easier to spot the ones who do not belong.One final word of caution. You may live thousands of miles from the effects of tropical cyclone and think you can not be a victim.
However, that is not always the case. Vehicles that have been flooded are supposed to be relegated for salvage but many are not. The unscrupulous do superficial cleaning jobs on the vehicles and wholesale them to dealers across the nation.
If you are considering purchasing a used vehicle, be sure to check the title history and hire a trusted mechanic to do a thorough inspection including checking behind the door panel for signs of flooding. A few dollars spent now could save your thousands of dollars down the road and maybe a life.
From the Insurance Institute for Business & Home Safety...
Taping windows provides absolutely no protection. The idea that taping windows will prevent them from breaking when impacted by windborne debris is a myth.
Taping windows to prepare for a storm wastes valuable time which should be used to install shutters or plywood which can provide real protection from high winds and driving rain, when installed properly.