Friday, May 30, 2014

5 Ways to Prepare for a Disaster

With hurricane season starting this weekend, we present this guest post by Daphne Homes. 

Disasters exact their toll in countless ways, catching unprepared families off-guard and causing significant damage and destruction.  Staying safe from disasters requires a multi-pronged approach, focusing on the types of events that occur close to where you live.  Water events, for example, require a different set of preparations and precautions than what one might undertake priming for a tornado or earthquake.

While each disaster preparedness strategy needs fine tuning for its specific application, there are nonetheless universal considerations shared by disaster preppers, such as water, communications, and sustenance. Whether fortifying their homes and businesses against earthquakes, hurricanes, floods, winter storms or tornados, those grooming for potential disaster share similar insights, including the following ways to prepare for the best disaster outcomes.

Establish a Plan

Responding to natural disasters is about covering all the bases and reacting quickly to mitigate danger.  Without a pre-formulated plan for evacuating or responding to an event, families are left fending for themselves without adequate guidance.  On the other hand, articulating clear disaster plans for your family takes the guess-work out of reacting, by outlining each family member's responsibilities during disaster events.

Effective plans start with the basics, and account for each detail of the family's response.  To execute plans efficiently in the event of an actual emergency, family members must be familiarized with the blueprint ahead of time.  Practicing, by actually walking through the steps of an evacuation plan or simulating a disaster are the best ways to ensure a smooth response under adverse conditions.

Learn Survival Skills

In the end, disaster preparations are made to increase your chances of surviving a catastrophic event.  As a result; the more survival skills you possess, the higher your chances of emerging from a disaster.  Everyone's interests and abilities are different, so some preppers may not go as far as other fortifying their survival skills.  Basic hunting, medical and wilderness techniques may prove useful during a major catastrophe, so these are good places to start expanding your knowledge.

Protect Communications

There is no telling how badly the infrastructure might be damaged during a natural disaster, so maintaining some form of communication is essential for responding to unanticipated events.  Mobile phones with charging capabilities, including a manual rotary charger, serve essential communications functions.  And disaster radios, like NOAA Weather Radios, should also be kept on-hand for monitoring communications from law enforcement, disaster relief organizations, and other agencies.

Assemble Food, Water and Medical Supplies

While it may not be feasible to account for every potential injury, maintaining medical essentials hedges against common disaster harm. And a stockpile of non-perishable food items increases the chance of survival when access to sustenance is otherwise limited.  Most importantly, a water reserve furnishes life's blood for those confined or displaced during disasters.

Stay Informed about Disaster Resources

In addition to the individual preparedness efforts launched by families, municipal agencies and other government entities contribute to comprehensive disaster planning.  To best prepare for tornados, floods, hurricanes, earthquakes and other unanticipated tragedies, stay in the loop about resources near you.  Nearby chapters of the American Red Cross or your local emergency management office are each prepared to assist your disaster planning. Community warning protocols and other important information should be incorporated into your family's disaster response plan, to shorten reaction times and account for particular local requirements.

Adequate disaster preparation accounts for food and water needs, but access to information and basic survival skills reinforce safety during adverse events.  The key to positive outcomes is establishing and executing a comprehensive disaster response plan, which should include an evacuation strategy.

Daphne Holmes contributed this guest post. She is a writer from and you can reach her at

Friday, May 23, 2014

Is Your Business Able to Sustain Itself After a Disaster?

By Ken Myers

In 2013, much of the United States was faced with disasters that hurt business practices. For instance, the flooding in Colorado stretched a great deal across the state rendering homes and businesses useless across many cities and towns. In the event of a human-made or natural disaster, your business needs to be able to sustain itself and the employees in order to continue being successful. What can you do to keep your business from suffering financial damage while experiencing physical destruction?

1. Insurance Plans - Of course having property insurance regarding your business could help reduce the out-of-pocket expenses that come from repairs after a disaster. The sooner your business can re-open for the customers, the less financial damage is done to your net income. Your business shouldn't remain closed because you don't have the money to fix a wall or replace doors and windows.

2. In-house Insurance - Each month, take a certain percentage from your net income and move it into a savings account of sorts. Call this your "disaster recovery" fund. As time continues, you could grow an amazing amount of money in this account that could allow you to physically move your business should a disaster render the building condemnable. Keep your business insurance premiums, but use this account to help expedite repairs or replacements.

3. Diversify Your Income - While your walk-in customers keep your employees paid and the lights on in the office, adding an online revenue stream may not be a bad idea. One of the glorious aspects of adding this online method is that it doesn't have to rely on your physical location. There are many ways that virtually any company can add a few extra dollars each month in online services and sales. In some business models, the online revenue is actually greater than the brick-and-mortar store. This will allow your business to continue making money even if your building was reduced to nothing more than rubble.

4. Backup Information - Don't contain all of your important business files and documents in a single location. If you use the Cloud to store these files, then you still have access to them whether your office burns down or not. Even many small businesses will use free folder synchronization sites that offer 5GB of storage space to be shared with several devices including online access. For these methods to work, you only need to put a file into a specific folder on your computer. The file is then instantly shared protecting the business from losing the data.

5. Employee Relief Fund - Good employees are important to the success of any business. After a disaster, these employees need to find work. If you have a dedicated relief fund for these employees, you could retain their services once your business is re-established. Even if you could offer a few days of paid "Disaster Days" separated from vacation time, it could go a long way to show your dedication to those employees that help your business succeed.

Without a plan of sustainability for your business, a single disaster could create an unrecoverable situation. Debts could begin to mount and you could become locked in a never-ending cycle of paying loans in order to survive. Prepare your business for disaster as you never know when a freak rain storm will wash half of the town down the river or when a forest fire will consume your warehouse.
Ken Myers is a father, husband, and entrepreneur. He has combined his passion for helping families find in-home care with his experience to build a business. Learn more about him by visiting @KenneyMyers on Twitter.

Thursday, January 9, 2014

Was 2013 a Mild Disaster Year?

Happy New Year.  There have been a series of recent articles about the scope of disasters in 2013.  Munich Re has reported that natural disasters in 2013 amounted to $31 billion in insured losses.  According to Munich Re's analysis, 2013 was the first year in 20 years that the world's costliest natural disasters were not in the US.  Instead, Europe suffered the most expensive insured disasters.  Of course, the deadliest was Typhoon Haiyan in the Philippines.  While there was $10 million in damages, only $700 million was insured.  In the US, the North Atlantic had the fewest hurricanes since 1982.

So what does this all mean?  Do we sit back and relax?  I don't think so.  This week Governor Andrew Cuomo of New York met with Vice President Joe Biden and announced renewed programs in New York to develop resiliency to natural disasters.  These efforts must continue as we face the effects of climate change, increased populations along the coasts and in earthquake zones, and the aging of the infrastructure in City's like New York.  So while Mother Nature has been reasonably quiet in the US (although those who were hit with tornadoes and the recent deep freeze would likely dispute that premise), important work goes on.  Savvy politicians and smart risk managers are working toward hardening and securing vulnerable assets.

We must not let down our guard.  This is the time to move forward with many of the efforts discussed in earlier posts.

Tuesday, October 29, 2013

New York Issues Post-Disaster and Natural Catastrophe Regulatory Guidance

On October 28, 2013, the New York State Department of Financial Services issued Insurance Circular Letter No. 8 (2013).  This regulatory guidance apprises insurers of the the various post-disaster regulatory measures they should anticipate in the future.  Of course, the listing is only an example of regulatory measures that might be employed, with others available via statute and emergency powers of the Superintendent (e.g., suspending provisions of statutes or regulations).

The Circular Letter lists five categories of possible post-disaster regulatory action.  First is a moratorium on policy cancellation or non-renewal for non-payment of premium.  Essentially, the DFS is asking carriers post-disaster to work with insureds and not go by the strict terms of the insurance contract when an insured may have trouble making premium payments post-disaster.  After Sandy, the DFS prevented cancellation or non-renewal for any reason, which had the unintended effect of precluding carriers from ridding themselves of policies they no longer wished to write having nothing to do with the affects of the storm.  If limited to non-payment of premium issues because of a disaster, there is less likelihood that normal commercial behavior will be affected.

Second, the processing of claims should be done promptly and efficiently.  This goes without saying, but you may recall that the DFS required adjusters to act on claims within very short time periods and put up a "report card" on the DFS website to show those who were not complying.  The suggested actions in this section of the Circular Letter are obvious, but use the word promptly, which goes undefined.  Related to claims is the third item, which is expediting the process for adjuster licensing.  This allows for adjusters to come into New York and begin working when a large disaster like Sandy strikes. 

The forth area discussed is claim data reporting.  This goes back to re report card concept.  Essentially, the DFS is saying that the sun will shine on post-disaster claim activity for all to see.  The last area discussed is mediation.  Establishing a mediation program to resolve claims post-disaster is a concept that was used after Sandy and has been used after many disasters. 

By this Circular Letter, the DFS is telling insurers that these and other measures are likely to be seen again when disaster strikes.  Thus, insurance company compliance and readiness to address each of these features and similar programs should probably become part of a carrier's internal disaster plan.

Tuesday, October 22, 2013

It's Not Paranoia to Be Prepared to Keep Your Family Safe

Having a plan in the event of a catastrophe can mean the difference between life and death. As it seems that the world has been displaying more viscous behavior as of late, being prepared can help keep your family safe. Having the right equipment on hand can greatly increase the chances of survival as well as reduce some of the stress of the situation. What kind of items should you store in order to prepare for these random events? 1. Water - Water is the most important substance in any situation. Even floods will require you to have fresh water on hand. Contamination of public services can be easily accomplished during a flood and you need to have a method to keep yourself and your family hydrated. There are packets you can buy in bulk that can be stored in your home to be used for just these occasions. They can also double as a method to keep yourself hydrated while out for a bike ride or mountain hike. 2. Medical Supplies - There are many kits you can buy that can be stored in the home in order to be used in emergency situations. Some will go so far as to fill various multipurpose backpacks with medical supplies. Even a slight wound could be dangerous if not treated correctly as infections could easily turn into blood poisoning. 3. Food - Although many people may scoff at those who hoard food in the basement, it is these people who will have an increased chance of survival in the event of a dire emergency. Non-perishables such as canned goods have a very long shelf-life and can mean the difference between starvation and sustainability. It wouldn't hurt to add seeds to this collection of food as well for you never know how long a situation may last. 4. Warmth - Having a method to keep warm is a dire need especially during the winter months. Extra sets of warm clothing and blankets should be kept on hand in the event of a disaster happening during the coldest times of the year. It may not be a bad idea to include a solar heating device as well to your collection. Although they will require intense light to be utilized, they can still help keep yourself and your family warm throughout the day. 5. Communication - In the event of a power outage during an event, you need to have a method of communication. Most survival kits include small radios or even broadcast radios such as those in semi-trucks. Thanks to technology, you can get solar powered or hand-crank radios that don't require additional batteries should they go dead. It may not be a bad idea to have a solar charging unit for your cell phones as well. If the power is off for more than a day, your phones could become useless as there won't be a method to charge them. In an emergency, having the right tools on hand can keep yourself and your family alive. Depending on the situation, the above items could prove to be quite useful. The last thing you want is to be without an important item in case nature decides to rampage across your area. What kind of preparations have you made to protect your family in the event of a crisis situation? This is a guest post by Liz Nelson from She is a freelance writer and blogger from Houston. Questions and comments can be sent to: liznelson17 @

Friday, September 20, 2013

Surviving Floods: Anything Can Happen

If the 2013 floods of Colorado have shown us anything, it's that disaster can happen to you no matter where you are. Even areas that avoided the actual rain storms have been devastated as those flood waters ran the course of the Platte River for hundreds of miles. This is just a short time after the 2012 storm of Hurricane Sandy which devastated the Eastern seaboard and beyond. Don't assume that your area is safe from the circumstances that surround a freak storm.

It's always best to prepare yourself and your family for the worst case scenario. It doesn't make you a pessimist if you plan for the worst but hope for the best. It makes you responsible for yourself and your family. In today's world where storms are growing more deadly and frequent, you need to have a plan. What can help you survive a flood in your area?

1. Clean Water - As odd as it may sound, clean drinking water is a must for those who are experiencing a flood. Those waters that are consuming your town can be contaminated as sewage and other chemicals can be intermingled. As survival water pouches are fairly cheap, it wouldn't be a bad idea to have some on hand in an emergency.

2. Cooking Food - During a flood, it is quite possible that your area could experience a power outage as power substations could become submerged. Although a fireplace can easily cook food as well as a stove, not every home is equipped with one. If you are unable to vacate the area, using solar stoves or potpourri candles can help keep your food warm. In fact, a potpourri tea-light can heat up a nice hot cup of instant coffee in just a few minutes.

3. Non-perishables - Storing food is common practice for many households. Canned goods are the most common for they have a much longer shelf life and can survive floods, hurricanes, tornadoes and earthquakes without compromising the quality. A can of food can remain submerged in flood waters for years without damaging the contents within the can.

4. Communications - Smartphones are a way of life for many people across the globe. However, do you have means to charge the phone if the power is out? Solar battery packs can be bought for your survival kit that can help keep your communication devices powered. Depending on the type of storm you are experiencing, the relay station for phone service could be compromised as well. A solar charging or hand-crank powered radio is also a wise addition to your survival gear.

5. Evacuation Plan - Most importantly, your family should have an evacuation plan if the members are ever separated. You need to establish a "safe-house" that everyone in the family knows about. It may not be a bad idea to have a secondary location planned as well in case the first one is subjected to the disaster itself.

Being swept away by flood waters is different than rafting down the rapids of a raging river. Stones in the river are stationary unlike the debris during a flood that is floating which can cause severe bodily harm. Not subjecting yourself or your family to such instances will always be the best course of action. It's not paranoia if you would rather protect yourself or your family than become another flood statistic and evacuate the area prior to the flood reaching you.

Author Bio:
This article is contributed by Madoline Hatter. Madoline is a freelance writer and blog junkie from You can reach her at: m.hatter12 @ gmail. com.

Tuesday, August 20, 2013

Hurricane Sandy Rebuilding Task Force Report Released

The federal government's Hurricane Sandy Rebuilding Task Force released its report this week.  The Report is a comprehensive look at how federal, state, and local governments can come together and rebuild from disasters like Sandy.  The Report includes a Fact Sheet showing the progress today and the Report itself, which spans 200 pages.  The Executive Summary describes the goals of the Report, including establishing guidelines for the investment of the Federal funds made available for recovery and sets the region on the path to being built back smarter and stronger with several outcomes in mind:
  • Aligning this funding with local rebuilding visions.
  • Cutting red tape and getting assistance to families, businesses, and communities efficiently and effectively, with maximum accountability.
  • Coordinating the efforts of the Federal, State, and local governments and ensuring a regionwide approach to rebuilding.
  • Ensuring the region is rebuilt in a way that makes it more resilient – that is, better able to withstand future storms and other risks posed by a changing climate.
The Task Force recommentations include: 
  • Promoting Resilient Rebuilding, Based on Current and Future Risk, Through Innovative Ideas;
  • Ensuring a Regionally Coordinated, Resilient Approach to Infrastructure Investment;
  • Providing Families Safe, Affordable Housing Options and Protecting Homeowners;
  • Supporting Small Businesses and Revitalizing Local Economies;
  • Addressing Insurance Challenges, Understanding, and Accessibility; and
  • Building Local Governments’Capacity to Plan for Long-Term Rebuilding and Prepare for Future Disasters.
This Task Force Report is a giant step forward in coordinating federal, state, and local disaster mitigation and recovery plans.  Please make it part of your required reading. 

Wednesday, July 17, 2013

Natural Catastrophe Developments

There have been some interesting developments in the world of natural catastrophes and disasters worth discussing.  First, in Europe, a vehicle meant to address the reoccurring flooding risks has been created.  It is called Flood Re.  Flood Re is a scheme (currently based on a memorandum of understanding) devised between the Association of British Insurers and the government of the United Kingdom that allegedly will insure that flood insurance remain available and affordable.  Essentially, it is a not-for-profit flood fund run and financed by insurers, which will cap flood insurance prices. Premiums will be linked to tax bands ensuring support is targeted at those on lower incomes.

Flood Re will charge member firms a levy on homeowners' premiums.  It is designed to deal with at least 99.5% of flood years. Even in the worst half per cent of years, Flood Re will cover losses up to those expected in a 1 in 200 year-a year that would be six times worse than the flooding that occurred in 2007.  It is expected to launch mid-2015.  Apparently, there are many details yet to be worked out and there has been some criticism of the scheme.

On concern expressed is the interesting caveat added by the government that if Flood Re fails to work, especially if through insurance industry hesitation, every homeowners' insurer will be mandated to offer flood cover on terms set by the government.  Flood Re is different than the US Federal Flood Insurance Program, but only time will tell whether its results will be better.  The good news is that governments are thinking proactively on how to address natural disasters caused by flooding.
The second development is the announcement by the Metropolitan Transit Authority (New York, New Jersey, Connecticut) of the preparation of a catastrophe bond triggered by only storm surge.  This the first of its kind and the first Cat Bond issued by the MTA.  What makes it unique, as the linked article above indicates, is that it is insuring a new peril -- storm surge -- which has not been done before.  There have been many Cat Bonds for windstorm, hurricanes, tornadoes, even thunderstorms, but not a bond that triggers solely on the height of a storm surge from a named storm.  Many see this as an innovative and welcomed development. 
We would be interested in hearing comments from you about these new government efforts to address natural disasters and others you might be aware of.

Friday, May 31, 2013

2013 Hurricane Season Is Upon Us

June 1 begins the 2013 hurricane season and the prognosticators are predicting an "active" hurricane season.  Concurrently, a recent report prepared by CoreLogic shows that New York is near the top of the list for potential storm surge damage to property.  The report entitled "CoreLogic Storm Surge Report" sets out data for residential property throughout the US and matches property values to likely damage caused by storm surges brought on by hurricanes and other tropical storms.  Coastal residences across the US in storm surge danger total $1.1 trillion in potential exposure.  Most of these homes are covered by homeowners insurance and, hopefully, flood insurance.  An active hurricane season can mean a significant insured loss for the homeowners' insurance market and another disaster for the National Flood Insurance Program.

Key highlights of the 2013 CoreLogic analysis include:
  • There are more than 4.2 million residential properties exposed to storm-surge risk valued at roughly $1.1 trillion, with more than $658 billion of that risk concentrated in 10 major metro areas.
  • Florida tops the state rankings with nearly 1.5 million properties at risk and $386 billion in total potential exposure to damage.
  • Louisiana ranks second in total properties at risk with just over 411,000 homes in storm-surge zones. New York ranks second in total value of coastal properties exposed at nearly $135 billion.
  • At the local level, the New York metropolitan area, which encompasses northern New Jersey and Long Island as well, contains not only the highest number of homes at risk for potential storm-surge damage, but also the highest total value of residential property exposed, at more than $200 billion.
The report also goes into climate change and its affect on residential coastal properties.  The scary part is that the values discussed in this report only reflect residential properties.  Add on commercial property, governmental property, and the collateral damage caused by the type of disruption that occurred in the aftermath of Sandy, the numbers increase exponentially. 

There has been a lot of rebuilding and retrofitting going on in NY and NJ and CT after Sandy.  The NYC Transit Authority just started running the A train to Rockaway (and has installed a seawall to protect the tracks from storm surge arising in Jamaica Bay).  Let's hope the efforts to rebuilt with resiliency work and that we pass the 2013 hurricane season with a minimum of harm.

Tuesday, May 21, 2013

When Tornadoes Strike

All of us at TIPS and the TIPS Task Force on Disaster Preparedness and Response are saddened by Monday's events and send our best wishes and offers of help to those struggling to cope with the devastation of Monday's tornadoes.   Tornadoes, like hurricanes, earthquakes, and other acts of nature, can cause significant personal and commercial harm.  Those who live in tornado country have long since had preparedness and response plans for tornadoes.  But the devastation caused by Monday's tornadoes can sometimes scrap well-made plans. 

As the search and rescue goes on, the local communities will assess the preparedness and response that took place and make refinements to those plans.  While the tornado drills help and keep people - especially children - calm, nothing can prepare for the collapse of buildings and roofs on top of people.  And it is the first responders who need to be thanked for immediately rushing to the schools and other buildings to pull people out as quickly as possible.

Those living in what they call Tornado Alley typically have tornado shelters and local communities have tornado sirens that warn of approaching storms.  In discussing the storm yesterday, the Governor of Oklahoma remarked that after a tornado hits, people must continue to listen to the weather forecasts because follow-on funnels may pop up and surprise those left exposed by the earlier destruction.  Other preparedness tips include having:
  • Food for seven days and keep in mind you may not have the means to heat or otherwise prepare the food, so it must be where it can be literally eaten from the can or package
  • Medical supplies and include any medications that must be taken on a daily basis (maintenance medication)
  • Two thermal (Mylar) blankets for each person, one to wrap in and one for ground cover
  • Rain gear for each individual
  • Insect repellent and netting if applicable
  • Tools and materials to make emergency repairs to the home to include waterproof tarps, plastic, tape (duct), and/or plywood sheeting.
FEMA has a tornado preparedness page at  The Red Cross has a free Tornado App for download.

Be safe and be prepared, and don't be a hero.  A Tornado warning is nothing to laugh about.