With the recent historic hurricanes affecting Texas and Florida, ESSA is encouraging customers to adequately prepare for natural disasters by assessing their home’s risk and developing emergency plans to protect against a potential storm. To make sure your house is equally protected, ESSA offers the following tips:
Assemble an emergency kit. The emergency kit should include first aid supplies, a flashlight, extra batteries, at least three days of non-perishable foods and water, towels and a supply of any necessary medications. Stay informed of the storm’s path and progress by monitoring Wireless Emergency Alerts via text message and having a battery-powered radio or TV available.
Develop a family communications plan. Know how you will contact one another; how you will get back together, if separated; and what you will do in different situations. Having a plan can eliminate some of the stress and confusion.
Establish an evacuation route. Prior to a storm, contact your local American Red Cross to locate the shelter nearest you or download their Shelter Finder app. Identify the safest route to get there. Be sure to check if your local emergency shelter allows animals and family pets.
Secure your home. Outdoor furniture and other objects can pose a potential hazard. Turn off propane tanks and other utilities if instructed to do so by emergency personnel.
Protect financial documents. In the event of a disaster, you will need identification and financial documents to begin the recovery process. Safeguard important documents in a bank safe deposit box, computer storage devices (USB drive, CD/DVD), and/or waterproof storage containers, including:
Know your risk. FEMA’s map service center will show you the flood risk for your community, which helps determine the type of flood insurance coverage you will need. Flood insurance should be a necessity, as standard homeowners insurance doesn't cover flooding and may have different deductibles for storm damage.
Talk to your insurance agent or broker. A good flood insurance policy can be a financial lifesaver following a damaging event such as a hurricane – but even good policies may have restrictions. Talk to your agent so you understand what your policy does and does not cover.
© 2017 American Bankers Association. Reprinted with Permission. All Rights Reserved.