Archive for March, 2010

Tornado Preparedness: The Six Keys to Safety

March 26th, 2010

Spring is right around the corner, and one of the things that means is “tornado season!”

We’re going to cover the six main areas of tornado preparedness that will help you before, during, and after a tornado or heavy storm strikes.  Appropriately, we’ll use the acronym S.T.O.R.M.S.:

Shelter – Strengthen your home and know where to find expedient shelter.

Time – Increase your chances of getting the early warning.

Others – Safety and protection involves the whole family and communicating with others.

Resources – You’ll need everything from immediate supply to good insurance.

Medical – Help yourself now to save the injured later.

Sweeping Up – Tips and tricks for dealing with the aftermath.

Shelter

Severe storms with driving rain, possible hail, and projectiles hurled by strong winds offer extreme dangers from which we need to protect ourselves.  The best protection would be a steel-reinforced concrete safe room located in your basement.  Lacking that, let’s look at a few options:

  1. Reinforce your house.  Ask your local home-supply store about angle brackets, strapping, and techniques to install them to make your roof, walls, doors, and connection to the foundation stronger.  Do an internet search for “hurricane retrofit” (including quotes) to find additional instruction.  One such source is http://www.ibhs.org/publications/downloads/128.pdf.
  2. Create a safe room or area within your home.  The general rule is to pick an area near the center of your house and below ground if possible.  Consider these points:
  • Turn your walk-in closet into a safe area.  Remove the sheetrock from walls and ceiling, add extra wall studs held in place with screws, strapping, and angle brackets, and then replace the sheetrock with one or two layers of ¾” marine plywood held in place with structural adhesive and screws.
  • For some online sources of “safe-room construction” do an internet search or see:
  • If you live in a mobile home, your best bet for safety would be a storm cellar.  One simple and relatively inexpensive source is to have a septic tank company install a clean new unit in your yard.
  1. Learn the “safe points.”  When a tornado strikes you might be at home, but it’s more likely you’ll be at work, out running errands, or on a trip.  Learn to recognize the locations that will provide protection.    Does the building have a basement?  Are you on the road?  How far are you from a known safe building, or from a deep ditch?

Time

In emergencies, our most important asset is time.  The two best ways to gain extra time in weather emergencies are to prepare now, and to get as early a warning as possible that severe weather is heading your way.

  1. Buy an NOAA Weather Alert Radio.
  2. Sign up for an alternate alert service such as the Weather Channel’s at www.weather.com/notify, or the Emergency Email & Wireless Network at http://www.emergencye.com.
  3. Network with others and make a “phone tree.”  Sometimes friends and coworkers are our best early warning system.

Others

“Others” is a reminder to communicate.  Talk to your family now and be ready to talk to emergency responders after an incident.  Consider:

  1. Tornado drills.  Emergency reactions are worth practicing.  Have your family practice getting into the safe room and into a safe position (“duck and cover”) within 30 seconds or less.
  2. Protect your pets.  On warning of severe weather, round up your pets, put them on leads or in carriers, and take them to your safe area.
  3. Communication may be vitally important if your home is damaged or someone sustains injury during a tornado.  For example, though everyone might be uninjured, you may be trapped in your damaged home and need someone to dig you out.  In addition to your house phone and cell phone, have backup options like a hand-held two-way radio, and something that can make a loud noise such as an air-horn or whistle.

Resources

In a disaster, you’ll need goods, gear, or services to help you deal with the event and then recover afterward.  Make sure you have adequately covered each of the following areas:

  1. Make sure your insurance policy covers all types of natural disaster including water damage from rain or flood since many policies have strict exclusions.  Also, make sure your policy will provide for the costs of temporary lodging and the full replacement value for your property and possessions.
  2. Document all your possessions by taking photos and videos, list everything you own, and keep important receipts in your safe deposit box.
  3. Make a list of services you might need after a tornado, such as cleanup and repair services or temporary lodging.  Keep their contact info in your emergency kit.

Medical

Hopefully the advice above has kept you safe in the event of a tornado.  Cover the following, just in case:

  1. First aid training is important for every family regardless of the threat, so learn the basics of general first aid and CPR.
  2. First aid kits are a must and families should have several and not just one.  The main kit should be kept in the home, but smaller kits should be kept in each automobile and at your workplace.
  3. Copies of medical information should be kept at home.  Keep a list of ailments, conditions, special medical needs, and current medications of each family member (including pets).

Sweeping Up

All destructive events have at least one thing in common; they’re going to create quite a mess.  Here are a few tips:

  1. Though you think the power is completely out, stay away from downed power lines.
  2. Stay alert to the hissing sound of a broken gas line or the smell of gas.
  3. Dress for the weather, but still dress to protect.  Wear sturdy shoes or boots, a hat and sunscreen, insect repellant, and heavy work gloves.
  4. Physical labor after a stressful event can be quite taxing.  Drink plenty of fluids, eat regularly, and take periodic breaks.
  5. Here is where you’d need your list of professional cleanup services.  Call as soon as possible.
  6. It’s possible your possessions might be strewn about the neighborhood.  It’ll be easier to have things returned if your name is written or engraved on them.  Hint:  Never use your Social Security Number or other sensitive info.

**************

About the author:  Paul Purcell is a security analyst and preparedness consultant with over 20 years risk management experience.  He is also the author of “Disaster Prep 101,” and a partner / adviser to 1-800-Prepare.

(Copyright 2010, Paul Purcell.  Permission granted to share this article provided all portions remain intact.)

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Know How to Pack

March 23rd, 2010

Going to southern Florida in March, you’d expect sunshine and good weather, but even with “global warming,” this has been one heck of a cold winter!   My son and a friend went to Florida last week to catch some of the spring training baseball games.  Too bad he didn’t check the weather before he left, because he didn’t pack anything but shorts and got chilled to the bone.   He’s been home for three days and still hasn’t warmed up!

My husband and I took a short trip to Gulf Shores, Alabama during the same time.  The weather there was cold, too.  I don’t believe the thermometer ever topped 65 degrees.   We spent one day at the beach but instead of wearing a swimsuit, I was wearing jeans, a sweatshirt, a windbreaker, and still had a beach towel wrapped around me in an effort to block the chill in the air.   I’m sure I looked absolutely ridiculous to the more serious sun worshippers!   I’m beyond caring what anyone thinks about how I look if I am comfortable, so I was very glad I checked the weather report before we left!

I remember taking my teenage daughter to Chicago for her birthday one June.  In most of the Midwest the weather is warm by that time, so we packed nothing but summer clothes.   About all I remember, 20 years later, is how cold I was.  I still recall the two of us running down Michigan Avenue, hovering near the buildings to avoid the rain.  We didn’t have jackets or umbrellas, and since we were only there a couple of days, we just did without.  We were hopeful enough that the sun would come out and we wouldn’t really need them.    Looking back, I know we would have had a better time if we hadn’t been so darn cold.

Maybe that trip to Chicago helped me do more planning for future trips.    I’ve learned that if you’re cold, or even if you’re hot, you’re just not going to enjoy the activities you’ve planned.

Here are a few clothing items I always carry when I travel:

1.  Windbreaker.  The one I leave in my suitcase has a hood with a drawstring.  Even in the summer, evenings may be cool.  Movie theatres and restaurants usually keep their temperatures down.  Windbreakers are so lightweight you can easily roll one up and carry it with you.  They’re great for just keeping the wind (or the vent) from blowing right on your skin.

2.  Sweater or sweatshirt.  It doesn’t have to be thick or heavy.  A lightweight fleece jacket is great.  You just need something to retain your body heat.  I’ve traveled to cold climates with nothing more than a long shirt, sweatshirt, and windbreaker.   That way you can peel off the layers, or add more if necessary.

3.  At least one long sleeved shirt.   Sometimes that’s all you need to avoid being chilled.  You may even want it to protect you from the sun.

4.  Travel umbrella.   This stays in my suitcase along with the windbreaker.

5.  Poncho.  Not stylish, but if you have to be out in the rain, you won’t care!   I probably didn’t pay more than $2 for mine, but if it gets wet, I can throw it away and not have to worry about drying it out before I pack to go home.

6.  Comfortable shoes.   Don’t  buy shoes for a trip.  Wear something you already know you can walk in and be comfortable.

Of course, any time you travel, take the time to do some research on the area.    Check out the local attractions and know what’s available.  It’ll make a big difference in how you pack your bag.

Joyce Moseley Pierce
Visit http://www.preparedineveryway.com for other preparedness ideas, including an article on international travel.

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First Responders Also Need to be Prepared

March 18th, 2010

For the last two years as Dunder, my search dog, and I have been going through training, most of the time has been spent on him and getting him up and going as a certified search dog. We accomplished that task this last January in California which was a huge relief to me (I still get testing anxiety). But recently it sort of hit home as to how prepared the ‘people’ portion of the team, meaning me, also needs to be prepared.   I was talking with a friend of mine about how long it takes me to ‘get out the door’ after being deployed.

My answer, about 45 minutes.  (but that includes driving home from my work).

You might think that’s not a very long time but I have a 10 minute commute home (that’s if I hit all the red lights). I have to change my clothes, grab my two ‘go bags’ and get out of the house.  I also check to make sure I have fresh water and food for the dogs in the truck.    Doesn’t seem like it should take that long but it does (I also usually have a hard time finding the right socks for some reason, which is odd since I own 5 pair of the ‘right socks’).

After doing search and rescue work for about 10 years, I have this all down to somewhat of an art but it’s taken me about 8 of those years to NOT forget anything.  I also have to go through every spring and fall and rotate out what exactly is in my go bag for clothes.  I live in a climate that in the winter we need something to keep you warm in -10 degree weather and in the summer you need to have extra socks/pants/shirts  because the ones you are wearing are sweaty and wet.  In essence, you have to be prepared for anything when you walk out of the house.

However, I found myself on the phone today talking with my mom to find out when I had my polio shot.  Turns out the FEMA level task force I am hoping to be a member of requires my “shot record’ along with my dog’s.    This is part of me being prepared for deployment.  I also found it humorous to be wracking my brain to try and remember what year I had the chicken pox.

However, the one good thing I did find out, I’m probably do for a tetanus booster.  I would encourage everyone to check the status of your ’shot record’ with your doctor….it’s part of being prepared.

Wags,

Robin Habeger and K9 Dunder

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Flood Preparedness

March 17th, 2010

We wish we had a crystal ball and could have posted this article weeks ago before the rains came.  But, if we knew when emergencies were to hit, they’d be called “annoyances” because we’d be ready.

Though we can’t predict every subtle nuance of every disaster, we do know 2 absolute facts:  One, if you were in a flooded area, you’ll want to be ready in case there’s a repeat.  Two, you’ll be telling friends in other areas how important it is to be prepared, and you’ll want some suggestions to pass along.

Let’s look at 4 areas:

Situational Awareness

  1. You need to know if you’re in a flood zone.  You can get flood maps now from http://www.floodsmart.gov.
  2. Get an NOAA approved Weather Alert Radio.  Not only can they keep you up to speed on the weather, the Emergency Alert System uses weather alert radios to broadcast other emergency info.
  3. Though you might not live in a flood plain or near a waterway, individual neighborhoods can flood when storm drains are blocked.
  4. Get a “basement flood monitor.”  They’re little gizmos that sit on the floor and alarm when water is present on the floor.  You can get them at most any hardware store.  This will tell you if water is creeping into the house, or if your water heater has ruptured, etc.

Know What to Protect

  1. People and pets come before property, but as a flood develops, you’ll want to protect certain possessions, assuming you have time (time is the number one asset in any emergency).  So, look around now and determine what’s worth protecting.  Next, figure out how you might accomplish the task.  Do you load things in your evacuation vehicle?  Do you move things upstairs?  One suggestion is to put expensive furniture on top of the cheap stuff.  Put your ingenuity to work here.
  2. Inventory your property.  Take photos of everything you own and save receipts.  Regardless of what kind of insurance you have, you’ll need to prove loss.
  3. Vehicles are important, and today, most families have more than one.  You can save time if you park one vehicle on higher ground when flooding is predicted.  People in regular flood areas call this “docking.”

Prepare to Evacuate

  1. We’re assuming that if you’ve already made the decision to stay, it’s because you, your neighbors, and local emergency management have already taken steps to start sandbagging certain areas and have already started protective procedures.
  2. Just because water might be only a trickle now, don’t assume a flood will develop with uniform slowness.  The term “flash flood” was coined for a reason.  Make sure you have a way to get out of your home and out of the area.
  3. In a flood you’d naturally head for higher ground, which could be just a few houses away.  One of the things you could do in advance (if flooding is predicted) is to tie a rope “railing” from your exit door to a neighbor’s tree so you can have something to hang on to if water levels rise faster than you thought.   As a helpful hint, knots are useful in any number of scenarios.  Go to www.youtube.com and learn how to tie the following knots:  bowline, taught line hitch, and Siberian hitch.
  4. When leaving your house, turn off the power at your breaker box, but ONLY if you’re standing on a dry floor to do it.  You want the power off so rising water will not short out your wiring and burn your house down.
  5. If water is already over the roadway, don’t drive.  Find a high and dry spot where you are and try to stay put.  Six inches or rushing water can push a car off the roadway.

Financial Protection

  1. It’s good to have flood insurance if you live in an area with even a slight potential for flooding.  However, do 2 things.  One, have an inspector verify your property now to make sure the policy is valid even if you’ve been making steady payments.  Two, be sure to document all your belongings now, and your losses when incurred.  When cleaning up damaged property try not to throw anything away until an insurance adjuster has inspected.  At the very least, photo and/or video all the items you have to discard, and save every repair receipt to verify loss.
  2. Flood damage also means you’ll have to deal with service companies.  Make a list now of the companies you may need in the wake of a flood and keep their contact information with your emergency documents.  If none are available, be sure to check out any new companies before authorizing them to work on your property.  Consumer reports has a good “honest contractor” checklist at:  http://www.consumerreports.org/cro/resources/images/PDFs/HowtoHireaContractorChecklist.pdf
  3. For emergency grant information, visit www.fema.gov.

Special note:  Send us an email at disasterprep101@aol.com and we’ll send you a copy of the 23-page report “Your Flooded Home” which details the steps you need to take when cleaning and repairing a flooded house.

About the author:  Paul Purcell is a security analyst and preparedness consultant with over 20 years risk management experience.  He is also the author of “Disaster Prep 101,” and a partner / adviser to 1-800-Prepare.

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Use Tax Time to Prepare

March 16th, 2010

Today is March 15th.  That means Americans have 30 more days to gather information required by the Internal Revenue Service to submit their tax return.

In order to know whether you qualify for a refund or will be required to give more money to Uncle Sam,  you need a record of your income and deductible expenses.  Preparing the return is tough enough if you’re organized and have information available at your fingertips, but if you’re the guy who throws everything in a drawer with no system in place, it can be a complete nightmare.   You probably have a good amount of information stored in your head, but putting your hands on the right piece of paper isn’t always easy to do.

What if you had to do it all in 3 days – start to finish?

That’s about how much time a family is given, at time of death, to plan a funeral.

This might not seem like the best time to start working on planning your funeral when you’ve got taxes to do, (although there is a bit of irony there!)  but it’s a great time to start thinking about what information your family would need in your absence.

Here are just a few areas you’ll be “touching on” during tax return preparation.

Insurance – Life, health, medical, disability
Bank accounts – checking, savings, certificates of deposit, safe deposit boxes
Investments – stocks, bonds, mutual funds
Retirement programs and profit sharing
Trust accounts
Real Estate
Loans – both payable and possibly receivable

Would your spouse or other family member have all the information they’d need to access the funds in your absence?     It seems ridiculous to think you’ve spent a lifetime providing for your family, only to leave them helpless and unaware without your guidance, doesn’t it?   Do something about it.  Don’t leave your loved ones guessing.

Joyce Moseley Pierce
http://www.EmersonPublications.com

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