With meteorologists forecasting a very active hurricane season, you may want to learn how to best prepare for an oncoming storm.
Here are tips from Geico, the National Hurricane Center and the Insurance Information Institute:
• Determine escape routes and places where your family can meet.
• Know your home's vulnerability to storm surge, flooding and wind.
• Locate a safe room in your home or the safest area in your community.
• Have an out-of-state friend as a family contact.
• Plan what to do with your pets if you need to evacuate.
• Post emergency telephone numbers by your phones. Teach your children how to call 911.
• Check your insurance coverage; flood damage is not usually covered by homeowners insurance.
• Trim trees to remove un-healthy or dead limbs or branches.
• water-one gallon daily per person for three to seven days
• food-enough for three to seven days
• nonperishable packaged or canned food/juices-foods for infants or the elderly
• nonelectric can opener
• cooking tools/fuel
• paper plates/plastic utensils
• blankets/pillows, etc.
• clothing-seasonal/rain gear/ sturdy shoes
• first-aid kit/medicines/prescription drugs
• special items for babies and the elderly
• toiletries/hygiene items/moisture wipes
• radio-battery-operated radio and National Oceanic & Atmospheric Administration (NOAA) weather radio. Replace the batteries every six months.
• cash-banks and ATMs may not be open for extended periods.
• computer hard drive or laptop
• toys, books and games
• important documents-in a waterproof container including insurance, medical records, bank account numbers, etc.
• tools-keep a set with you during the storm
• vehicle fuel tanks filled
• pet care items
• proper identification/immunization records/medications
• food and water
• a carrier or cage
• muzzle and leash
• Take first-aid, CPR and disaster preparedness classes.
The Claims Department at Universal Property & Casualty Insurance Company (UPCIC) is ready to help resolve your claim as quickly and efficiently as possible. If you have suffered a loss or damage your claims process begins here. Before you start the claim process the following steps should be taken to minimize loss:
BY ANGELA GREILING KEANE, BLOOMBERG
May 6, 2014
(Bloomberg) -- More than half the U.S. population lives in coastal areas that are “increasingly vulnerable” to the effects of climate change, which will ripple throughout the U.S. economy, a White House advisory group’s report concluded.
The report released today enumerates the impact across the U.S., including a 71% increase in heavy rain and snow in the Northeast during the past half-century and an increased risk from hurricanes linked to higher sea levels.
Flooding is nature's most common natural disaster. The average homeowner is five times more likely to incur flood damage than fire damage. If you live in a high-risk zone, you have a one-in-four chance of experiencing flood damage. Almost 25% of all flood claims come from low- to moderate-risk areas and 90% of all presidential-declared disasters involved flooding. Homeowner's policies may not cover the flood damage, and the out-of-pocket costs can be burdensome.
Flood insurance is designed to provide an alternative to disaster assistance to reduce the escalating costs of repairing damage to buildings and their contents caused by floods. While your homeowner's policy may cover fire, tornado, or even earthquake damage, most EXCLUDE damage caused by flooding. Those that cover SOME flood damage do so by specific endorsement and only for a certain dollar amount. Check with your insurance agent to see what coverage is available.
To learn more about flooding, flood risks, residential coverage, commercial coverage, preparation, recovery, etc., visit our Flood Insurance page.
Earthquakes, floods, and other disasters can seriously disrupt normal life. Services may not be available, transportation may be cut off and roads may be blocked. In some cases, you may be forced to evacuate. Be ready to respond to any situation by assembling and maintaining a Disaster Supplies Kit.
Click 'Read More' below for the Disaster Supplies Plan.
At our Cape Cod Insurance Agency, located in Falmouth, MA - we offer 15 home insurance carriers for your coastal houses.
Navigating life's big decisions and developments can be challenging... buying your first home or boat, getting a new car, choosing the right policy to protect yourself and your family on Cape Cod.
Those are the moments when all roads lead to Calfee Insurance. We are your local insurance answer to help you, protect you and insure all that's important to you. We understand Cape Cod life, because we're living Cape Cod lives.
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Homeowners Flood Insurance Affordability Act passes the Senate and moves to the President for Signature to become Law
HB3370, Grimm/Waters Homeowner Flood Insurance Affordability Act of 2014, passed the Senate last night 72-22 and is anticipated to be signed by the President within the next 10 days.
Some important highlights include:
HFIAA14 directs FEMA and the NFIP to modify BW12 Flood Reforms already in place as well as to modify the future implementation of BW12 Flood Reforms. A Congressional Summary of HFIAA14 is available to read more. We appreciate your interest and involvement in the political process, to see how your Senator voted, click here to see how your Representative voted, click here.
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