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October 5, 2023 Property and Casualty News
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Prepare your family and business for weather-related disasters

By Steve Leasure

Natural disasters, accidents and unexpected emergencies can strike without warning, leaving families and businesses vulnerable to damage and disruption. To ensure the safety and well-being of your loved ones and the continuity of your business, it's crucial to have a well-thought-out emergency preparedness plan in place.

disaster
Steve Leasure

Here are some ways to prepare your family and your business for various weather-related disasters using the key tips provided.

Family preparedness

  1. Build an emergency kit

Having an emergency kit is the first step in preparing your family for disasters. This kit should contain essential supplies to sustain your family for at least 72 hours. Ensure it includes:

  • Water: One gallon per person per day for drinking and sanitation.
  • Food: Canned food, dried fruit, peanut butter and other non-perishables.
  • Medications: A 3-day supply of prescription medications and a first aid kit.
  • Supplies: Flashlight, radio, extra batteries, candles, hygiene items, warm clothes, blankets and specialty items for family members' needs.
  • Essential documents: Copies of driver's licenses, passports, birth certificates and other important documents.

 

  1. Pay attention to alerts

Stay informed by listening to local TV and radio for official disaster updates and instructions. Be aware of the difference between a “watch" and a "warning" and act accordingly.

 

  1. Know where to go

Familiarize yourself and your family with community evacuation routes and designated shelters. Have alternate routes and modes of transportation in mind in case of blocked roads or limited options.

 

  1. Have a communication plan

Establish a family communication plan to ensure everyone knows how to reach each other in different situations. Memorize essential phone numbers, email or text as needed for communication.

 

  1. Share your plan

Discuss your disaster preparedness plan with neighbors, schools, caregivers and employers to ensure everyone is on the same page.

 

  1. Prepare for all possibilities

Realize the potential loss of basic services and stock items like food, water and supplies to manage the situation if help is delayed.

Preparing for specific weather disasters

 

In addition to having a general emergency kit, there are some specific things you can do to prepare for specific weather disasters.

Tornadoes

  • If you live in an area that is prone to tornadoes, make sure you have a plan in place. Know where you will go if a tornado warning is issued.
  • A basement is the best place to go during a tornado. If you don't have a basement, find a room without windows, such as a bathroom or closet.
  • Stay tuned to local news and weather reports for the latest information on tornado warnings.

Fires

  • Make sure you have a fire escape plan for your home. Practice your escape plan regularly.
  • Install smoke detectors on every level of your home and test them monthly.
  • Have a fire extinguisher on every level of your home and know how to use it.

Floods

  • If you live in an area that is prone to flooding, know your evacuation route.
  • Have a plan in place for your pets and livestock.
  • Elevate your valuables to prevent them from being damaged by floodwaters.

Thunderstorms

  • If you see a thunderstorm approaching, take shelter indoors.
  • Avoid standing under trees during a thunderstorm.
  • Unplug all electronic devices before the thunderstorm reaches you.

 

Business preparedness

 

  1. Create an emergency action plan

Develop a documented set of procedures outlining how your business will respond to various emergencies, including hurricanes, fires, chemical spills, medical emergencies, floods, biohazards and crimes/trauma events.

 

  1. Conduct a risk assessment

Identify potential hazards in your workplace, evaluate their likelihood and potential impact, and work with experts to assess risks accurately.

 

  1. Develop emergency procedures

Based on the risk assessment, create detailed emergency procedures for each type of disaster, including evacuation, equipment shutdown and securing the workplace.

 

  1. Assign roles and responsibilities

Assign roles and responsibilities to employees who will implement the EAP. Ensure that employees are trained in emergency procedures.

 

  1. Establish communication protocols

Set up effective communication protocols that enable employees to communicate during emergencies, including establishing a chain of command and using emergency communication devices.

 

  1. Use emergency response mobile apps

Explore the benefits of mobile apps that can help you report and document emergencies effectively, ensuring a swift response from local restoration teams.

 

  1. Practice and review the plan

Regularly practice the EAP to ensure everyone understands their roles and responsibilities. Periodically review the plan to keep it up-to-date and relevant to the hazards in your workplace.

By developing a plan, you can protect your employees and customers, minimize property damage, and reduce business downtime.

 

Steve Leasure is vice president of operations at Rainbow Restoration, a Neighborly company. Contact him at [email protected].

 

© Entire contents copyright 2023 by InsuranceNewsNet.com Inc. All rights reserved. No part of this article may be reprinted without the expressed written consent from InsuranceNewsNet.com.

 

Steve Leasure

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