Emergency Preparedness


Earthquakes, hurricanes, floods, tornadoes, and wildfires are the more recognized natural disasters. Many homeowners thinking that they don’t live in an area regularly exposed to these or other natural or man-made disasters can become complacent about protecting their homes and families. But all homeowners need to be prepared for emergency evacuations and life after a catastrophic event – as many on the east coast have unfortunately learned as a result of the recent hurricane and tropical storm damage. 

According to the Red Cross, there are six basic items you should stock in your home: water, food, first aid and medical supplies, clothing and bedding, tools and emergency supplies, and special items. Items that you would most likely need during an evacuation should be kept in a clearly marked, easy-to carry, water resistant container.

Water

Store water in plastic containers such as soft drink bottles. Allow one gallon of water per person per day. A normally active person needs to drink at least two quarts of water each day. Hot environments and intense physical activity can double that amount. Children, nursing mothers, and ill people will need more. Keep at least a three-day supply of water per person (two quarts for drinking, two quarts for each person in your household for food preparation/sanitation).

Food

Store at least a three-day supply of non-perishable food. Select foods that require no refrigeration, preparation or cooking, and little or no water. To heat food, pack a can of sterno. Select food items that are compact and lightweight. Include a selection of canned meats, fruits, vegetables and juices. Include some salt and spices, high energy foods, and special stress/comfort foods. Don’t forget food and drinks for babies.

First Aid Supplies

Assemble a first aid kit for your home and one for each car that includes items such as bandages and gauze pads of various sizes and types, adhesive tape, scissors, antiseptics, cold packs, and a CPR breathing barrier, such as a face shield.

Non-Prescription Drugs and Required Medication

Don’t forget to include some vitamins, aspirin or nonaspirin pain reliever, anti-diarrhea medication, and anti-acids. Have Syrup of Ipecac (used to induce vomiting) and activated charcoal available but use only if advised by a Poison Center or medical personnel.

Also, maintain a supply of any required heart and high blood pressure medication, insulin, other prescription drugs, denture needs, and extra eyeglasses.

Clothing and Bedding

Include at least one complete change of clothing and footwear per person, sturdy shoes, rain gear, blankets or sleeping bags, overcoats, hat and gloves, and sunglasses.

Tools and Emergency Supplies

You’ll need supplies such as cooking and eating containers and utensils, battery-operated radio and flashlights (with plenty of extra batteries), cash or traveler’s checks, coins, fire extinguishers, basic household tools, tape, rope, matches or lighters, whistle, and plastic sheeting.

A stock of sanitation supplies should also be available, including toilet paper, towelettes, soap, liquid detergent, personal hygiene items, baby diapers, plastic garbage bags and ties, plastic buckets with tight lids, bleach and disinfectants.

Important Family Documents

Finally, important records should be kept in a waterproof, portable container. These include wills, insurance policies, contracts, deeds, stocks and bonds, bank and credit card account information, passports, social security cards, and immunization records. You should also have an inventory of valuable household goods, important telephone numbers, family records (birth, marriage, death certificates).

Re-think your kit and family needs at least once a year. Change your stored water supply every six months so it stays fresh. Replace your stored food and medical supplies every six months or as recommended. Replace batteries, clothes, etc. as needed. As always, remember Paradiso Insurance for all of your CT Insurance needs!

 

 

Families: Have a PEP Plan In Place!

 

Courtesy of cpr-savers.com

As we continue to watch the destruction and devastation left after the powerful tornadoes hit Alabama and surrounding southern states, you cant feel anything but helpless as the pictures and videos show the tragedy.

aolnews.com

Families left with nothing, nowhere to go and no insurance to help, it makes for a very confusing and helpless situation for all.

Often there is little an individual can do to control a situation. But it is always better to make what plans one may. That is the simple philosophy behind the personal emergency preparedness plan (PEP) aka Family Disaster Plan

PEPs give individuals and families a plan of action when a natural disaster (such as flooding, earthquake, serious windstorms, tornadoes, etc.) is eminent or should a severe accident (home fire, structural collapse, utility line or pipe breakage, etc.) occur.

A PEP should have the following objectives:

  • Identify safe areas during an emergency – what are safe areas of the home during storm or earthquake? – What safety rules should be followed in event of a fire or flood?
  • Escaping from area that is endangering family members – identify escape routes from every room (at least two)
  • Establishing means for all family members to re-unite – Determine a safe meeting place immediately outside the home, or a neighborhood location – make sure to have access to working radio to access emergency information
  • Ascertaining everyone’s safety – Check everyone for possible injury – apply first aid or contact emergency personnel as appropriate. Check residence for any dangers created by the emergency event, such as leaking utility lines, structural dangers, fire, etc
  • Establish means to contact other family members and loved ones – have access to working phones, post emergency nos., training children on how and when to make emergency calls – make contact list of family members and emergency contacts (work and/or school numbers and e-mails)

Families should also consider issues that support a PEP, such as maintaining proper insurance, having an adequate first aid kit available and acquiring first aid training.

If you have any questions regarding your current insurance policies or would like to understand further steps to take to ensure proper coverage, Paradiso Insurance is here to help.  You can go to our website at www.ParadisoInsurance.com or call us at (860) 684-5270.

Courtesy of Rough Notes.com

 

Connecticut Earthquake Insurance Options

 

What many people dont realize, is a homeowners insurance policy does not protect you in the event of an earthquake.  In an article from MSN Money central, they state the following:

“Earthquakes have occurred in 39 states since 1900, and about 90% of Americans live in areas considered seismically active. Yet only a small percentage of people purchase earthquake insurance.

Even in California, where earthquake fears are a daily fact of life, only about 12 percent of homeowners have earthquake insurance, according to the California Earthquake Authority (CEA), down from 30 percent in 1996 when the state legislature created the CEA.

Each year, more homeowners get rid of earthquake coverage than buy it because, according to consumer groups, they believe the policies cost too much and cover too little.”

Although you may not think that Stafford Springs or Connecticut in general would be threatened by an earthquake, its always a good idea to investigate and understand what coverage is available to you.  As the earth changes, we need to stay aware of our surroundings and threats, not only for the protection of our personal belongings but for the well being and security of our family and friends.

Paradiso Insurance is here to help with questions and concerns regarding your homeowners policy or other insurance options.

 

Earthquake Insurance? What?

      Basic homeowners insurance is a great way to ensure that the equity in your home will never be lost due to basic unforeseeable accidents.  If you are more concerned about your property then flood insurance may be purchased for added security.  But a commonly overlooked policy deals with earthquake losses.  Earthquakes?  In Connecticut?  This idea sound preposterous, but since January 2007, the eastern parts of Connecticut have seen over 13 small-magnitude quakes.  On March 11, 2008, a 2.0 magnitude quake shook homes as scared residents ran to call 911.  In 1968, an even larger disturbance cracked walls and fixtures in Madison, Connecticut.  From New Haven (06501) to Windham (06256), from East Haddam (06423) to Hartford (06101), all areas of Connecticut have felt the awesome power of the earth.  Home and business owners have lost thousands due to earthquakes.  Should you be covered?  Visit Paradiso Insurance for more information.

 - The Paradiso Team