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!

 

 

How The Upcoming Hurricane Season Can Affect Future Insurance Coverages

 

The tropical storm season is quickly approaching.  The hurricane season spans from June 1st until November 30, and from the sounds of our professional meteorologists and consensus, the 2011 season is anticipated to be an active one. 

Here at Paradiso Insurance, its important for our clients to understand their rights and regulations when it comes to anticipated coverage.

2 very important points (Courtesy of Hanover Insurance Group) which are adopted by most insurance carriers are as follows:

  • In the event of a hurricane watch/warning or tropical storm watch/warning, new coverage cannot be bound nor coverage added or increased for existing commercial or personal lines policies providing property, inland marine or automobile physical damage coverage. 

 

  • Policies quoted by us and bound prior to the advance of a storm watch or warning, and scheduled to be issued with an effective date during the watch/warning period, will be honored. No further binding changes will take place on these policies while the watch/warning is in effect.

It’s important to make your insurance coverage decisions prior to a potential tropical storm or hurricane making it’s entrance in Connecticut.  Now is the perfect opportunity to understand your current homeowners and business isnurance coverages and further steps to take to protect your home or commercial assets.  You can call our team at (860) 684-5270 or visit our virtual insurance website at www.ParadisoInsurance.com

 

Paradiso Insurance Preparation Tips for Hurricane Earl

Paradiso Insurance strives to help our clients in any way possible.  Today we bring you some tips on how to prepare your family, home, and possesions for the upcoming storm.  These tips come from the Hurricane specialists, NOAA.

1. Develop a Family Plan

check markDiscuss the type of hazards that could affect your family. Know your home’s vulnerability to storm surge, flooding and wind.

check markLocate a safe room or the safest areas in your home for each hurricane hazard. In certain circumstances the safest areas may not be your home but within your community.

check markDetermine escape routes from your home and places to meet. These should be measured in tens of miles rather than hundreds of miles.

check markHave an out-of-state friend as a family contact, so all your family members have a single point of contact.

check markMake a plan now for what to do with your pets if you need to evacuate.

check markPost emergency telephone numbers by your phones and make sure your children know how and when to call 911.

check markCheck your insurance coverage – flood damage is not usually covered by homeowners insurance.

check markStock non-perishable emergency supplies and a Disaster Supply Kit.

check markUse a NOAA weather radio. Remember to replace its battery every 6 months, as you do with your smoke detectors.

2. Create a Disaster Supply Kit

Check boxWater – at least 1 gallon daily per person for 3 to 7 days

Check boxFood – at least enough for 3 to 7 days
— non-perishable packaged or canned food / juices
— foods for infants or the elderly
— snack foods
— non-electric can opener
— cooking tools / fuel
— paper plates / plastic utensils

Check boxBlankets / Pillows, etc.

Check boxClothing – seasonal / rain gear/ sturdy shoes

Check boxFirst Aid Kit / Medicines / Prescription Drugs

Check boxToiletries / Hygiene items / Moisture wipes

Check boxFlashlight / Batteries

Check boxRadio – Battery operated and NOAA weather radio

Check boxTelephones – Fully charged cell phone with extra battery and a traditional (not cordless) telephone set

Check boxCash (with some small bills) and Credit Cards – Banks and ATMs may not be available for extended periods

Check boxKeys

Check boxToys, Books and Games

Check boxImportant documents – in a waterproof container or watertight resealable plastic bag
— insurance, medical records, bank account numbers, Social Security card, etc.

Check boxTools – keep a set with you during the storm

Check boxVehicle fuel tanks filled

Check boxPet care items

 

3. Securing 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. You can do this by protecting and reinforcing these five critical areas:

ROOF | STRAPS | SHUTTERS | DOORS | GARAGE DOORS

Check boxA great time to start securing – or retrofitting – your house is when you are making other improvements or adding an addition.  

Remember: building codes reflect the lessons experts have learned from past catastrophes. Contact the local building code official to find out what requirements are necessary for your home improvement projects.

4. Stay Updated!

Check in with local Connecticut radio, television, and internet updates

As always, Paradiso Insurance urges our clients to BE PREPARED!  Thanks, NOAA for the tips and helping us keep our customers informed.  Stay tuned to our Facebook for updates throughout the storm.