by California Casualty | Homeowners Insurance Info, Safety |
An earthquake, flood, fire, or severe storm can strike at any time — and you and your family may not be together when it does.
How will you find each other if separated? What about household members who have medical conditions? And what if your cell phones or networks are out of power?
Crafting an emergency plan before a disaster hits gives you time to discuss your family’s needs and circumstances, review possible scenarios, and decide on the best options together. Schedule a time when the whole family can participate. You may need one or two additional meetings to finalize all the details.
Here’s what you’ll need to cover:
1. Make A Plan of Action
Smart planning entails talking through a number of situations and “what-ifs.” Start by brainstorming around the following (and remember that coronavirus may affect some answers).
- What natural disasters are we most likely to experience?
- How will we receive emergency alerts and warnings?
- What are the escape or evacuation routes from our house?
- What is our shelter plan?
2. If Your Family is Separated
Re-opening across the country means parents may be going back to work and kids back to school. Are there other locations, such as after-school programs, childcare, gyms or volunteer sites that family members regularly attend? Consider those when answering the following:
- If separated during an emergency, where should we meet near our home?
- If meeting near home is impossible for some or all family members, what’s our meeting place?
- If we are separated, who is our emergency contact outside of our immediate area?
3. Specific Needs of Family Members
Remember to tailor your plan to address any particular needs of/by family members, such as:
- Medical needs including prescriptions and equipment
- Dietary needs
- Medical conditions, disabilities or functional needs, especially those requiring devices and equipment
- Language barriers or limitations
- Ages of all household members, including school-aged children
- Pets or service animals
- Religious and cultural considerations
5. Fill Out the Plan
After discussing the above, it’s time to get it all down on paper. Be sure to capture the following as well.
- All the contact information for each household member.
- Who’s responsible for what during the disaster? Tasks might include things like retrieving the disaster kit, evacuating pets, and fielding disaster updates and alerts.
- Create a personal network of friends, family or neighbors for things you might need help with.
- Make sure you have one or more out-of-town contacts for emergencies.
- Numbers for important contacts such as utilities, financial companies, childcare and caregivers, veterinarians, and insurance companies.
6. Share & Practice
During an emergency, cellular networks and wi-fi may be unreliable, and computers and phones may be lost or out of power. In these cases, having a paper copy of your family disaster plan can save precious time, minimize stress and prevent unnecessary emergencies. So, make sure each family member has a copy and carries it with them in a purse, backpack or work bag (here’s a template plan that fits in your wallet). Have regular family meetings to review the plan and practice. Finally, do a thorough review every 6 months or so, to update information or responsibilities.
7. Resources
Check out these resources to get your plan disaster-ready.
The perfect time to make a plan is right now. Getting all your family members on board and in the know sooner rather than later will ensure that you’re all ready when you need to be.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
by California Casualty | Health, Safety |
Emergency preparedness will help you and your family stay safe in the event of a disaster. House fires, flash flooding, and natural disasters can happen anywhere at any time, and as we move into summer- hurricane and wildfire season, the risk for an emergency is even greater.
Coronavirus (COVID-19) has completely changed the way we interact with others- and will for the foreseeable future. That’s why it’s important to take action now to make sure you and your family are prepared for an emergency situation, while still taking the proper precautions to avoid COVID-19.
Here’s how to be prepared for an emergency during the middle of a pandemic.
Make a Preparedness Kit
Emergency Preparedness Kits are kits built for you and your family to have in the event of a disaster. These kits include all essential items that you would need to survive i.e. bottled water, toilet paper, copies of important documents, medication, food, chargers, hygiene items, etc.
The Red Cross recommends that during COVID-19, you should assemble two different emergency kits for you and your family.
Stay-At-Home Kit- This kit should include 2 weeks of emergency supplies. In the event that you or your family are exposed to the virus and you have to self-quarantine you should have everything that you would need to survive for 2 weeks without leaving your home.
Evacuation Kit- This kit should include 3 days of supplies in a “go bag”. It should hold all of your basic needs, yet be lightweight and easy to grab/carry in the event of an emergency evacuation. It is recommended that you have enough supplies for 72 hours. This also includes supplies for your health and safety in large crowds i.e. face masks, sanitizer, alcohol wipes, etc.
The Red Cross also recommends that each kit should have a 1 month supply of prescription medication along with fever-reducing medicine and cough suppressants.
Other Disaster Planning Tips
Making a disaster plan during a pandemic requires planning ahead, because of the need for social distancing. In the event of a natural disaster, sheltering in large buildings like school gyms and community centers may no longer be an option, and you will have to seek shelter elsewhere.
Here are some tips, the Red Cross recommends, to help you and your family develop a disaster plan.
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- Register for emergency alerts
- Stay up-to-date on COVID-19 advice and restrictions for your state
- Have an evacuation transportation plan
- Have a safe destination set for your family to meet, if you become separated
- Research open lodging (campgrounds, hotels, shelters) and their restrictions, in the event of an evacuation
- Keep enough PPE, disinfectant, and medicine in your emergency kit for your family
- Do not stay with friends or family who have been exposed to COVID-19, are experiencing symptoms, or are at a higher risk of developing the virus
- If you think you have COVID-19 or have been exposed- self-quarantine, keep your distance (if possible), and contact your doctor as soon as you are safe and able.
For more tips click here.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
by California Casualty | Educators |
Our Education Blogger is a public school teacher with over a decade of experience. She’s an active NEA member and enjoys writing about her experiences in the classroom.
Emergency situations can happen any place and at any time, that is why it is important to prepare your classroom for any type of emergency.
1. Know Your School Emergency Procedures
Be aware of your building’s emergency procedures, how often drills are practiced, and the expectations of teachers and students during such drills. Your building should have protocols in place in the event of a fire, tornado (in certain regions), earthquake (in certain regions), intruder, and medical emergencies. Take time each month to review procedures with students and go over lockdown/evacuation routes and guidelines.
2. Learn where Medical Equipment is Located
Does your building have an AED (Automated External Defibrillator)? All fifty states have laws or regulations requiring that AEDs be available in public gathering places, and in some states this means schools must keep and maintain AEDs. Find out where the AED is located in your building. If you haven’t been trained on how to use it, ask your administrator to arrange a time when staff can be shown how to use it. If your building doesn’t have one, contact your administrator or school board.
3. Keep an Updated Class Roster With Important Information
Check your class lists to identify students with medical conditions. If necessary, talk with your school nurse about what to do for these students in emergencies. For more serious conditions, have a plan in place with the office and nurse if a serious medical event occurs. In most situations, students with serious medical issues will have some sort of individual health plan (IHP) on file for your reference. If a student who has an ongoing medical condition does not have an IHP, contact your building nurse who can get the process going if the family requests it.
4. Ask Your School to Invest in Emergency Staff Training
If you haven’t been trained in first aid, CPR, or other important emergency procedures recently, ask your administrator or nurse to arrange regularly scheduled training for staff.
5. Emergency Supplies You Should Keep In Your Classroom
These classroom emergency supplies should be stored in the classroom in the event of a shelter-in-place situation due to an emergency or lockdown. If your school does not furnish emergency supplies, ask your building’s parent-teacher organization, a local Boy or Girl Scout troop, or even an area church, for assistance obtaining supplies.
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- bucket (can be used to store items, can also be used as an emergency restroom)
- tissues and toilet paper
- baby wipes
- disinfecting wipes
- blankets or large towels
- flashlight and batteries
- hard candies
- first aid kit with medical gloves and instruction manual
- folder marked “confidential” with:
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- class list with student pictures
- student emergency contact information
- list of students with special needs and description of needs (i.e. medical issues, prescription medicines, dietary needs)
- list of school emergency procedures
- plastic bags or sheeting
- work gloves
- duct tape
- masks
- whistle
- can opener
- food
- water (pouches or small bottles)
- activities for students (cards, inflatable ball, travel games)
These items should mirror the items you have in your family’s emergency preparedness kit.
6. Create a Classroom “Go Bag”
If your school doesn’t provide one, create a classroom “Go Bag” with necessities. An old backpack works well. Place or hang it near your classroom emergency exit. The bag is meant as a portable supply kit if a building evacuation is necessary. Recommended items include:
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- water pouches or small water bottles
- first aid kit
- whistle
- baby wipes
- disinfecting wipes
- tissues or toilet paper
- paper, markers, pencils
- flashlight and batteries
- list of school emergency procedures
- activities for students (cards, inflatable ball, travel games)
- folder marked “confidential” with:
- class list with student pictures
- student emergency contact information
- list of students with special needs and description of needs (i.e. medical issues, prescription medicines, dietary needs)
Be sure to update your supply kits and bags yearly. Replace any expired items and be sure each kit is properly stocked and stored.
Are you prepared for an emergency at school? What emergency preparedness advice would you give fellow educators? Leave your thoughts in the comment section!
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
by California Casualty | Safety |
As Hurricane Sandy whirls her way ashore–teaming up with winter storm conditions and a full moon as she does so–it’s becoming more and more clear that this storm has the potential to be extremely dangerous and damaging to communities all along the East Coast.
Late last week, we posted tips on how to prepare your family, self, and home for Hurricanes and Winter Storm conditions. To access that information–including checklists, preparation plans and pet and business info–click here.
As Sandy begins to make landfall, we want to make sure all those affected know where to get up-to-date, reliable information regarding evacuations, weather updates, and other emergency information.
Here are some emergency resources:
- This Google Crisis Map tracks Sandy’s progress, providing forecast tracks, current locations and active emergency shelter locations. Access the map here: Google Crisis Map.
- For the latest updates on Hurricane Sandy from the National Hurricane Center, click here.
- For a map of the latest warnings and advisories from the National Hurricane Center, click here.
- For state-specific information, click on YOUR state below:
- CT
- DE
- MA
- MD
- ME
- NC
- NH
- NJ
- NY
- New York City
- PA
- VA
- VT
- If you lose power or Internet signal and need to access Twitter to get Emergency Information, click here for tips on how to do so with your phone. For the Huffington Post’s suggestions on the Best Storm Tracker Apps, click here. We recommend following @FEMA to stay informed.
- It can be difficult to stay in touch with or reach family members during an emergency. The American Red Cross Safe and Well website allows you to register your current status or check on the status of your loved ones.
- To download the Free FEMA app for disaster safety tips, emergency meeting location information and a map of open shelters, click here.
As Sandy makes her way onto land, all those affected are in our thoughts. Please be smart and safe.
by California Casualty | Safety |
As weather forecasters are predicting an active few weeks for tornado activity, the Property Casualty Insurers Association of America (PCI) encourages homeowners and renters to take appropriate steps to be prepared, which includes a review of their insurance policies and discussion of coverage options with their insurance agent or company.
“With wind speeds that can reach nearly 300 miles per hour, tornadoes can be deadly and cause severe property damage,” said Donald Griffin, vice president personal lines for PCI. “Because tornadoes can occur rapidly and with little warning, advanced preparation is very important. We encourage consumers to know the warning signals used in their community and be prepared to take cover when alerted. Maintaining an emergency storm kit with a radio, flashlight, batteries and first-aid items is the first step in preparation. Other steps include conducting tornado drills with your family and ensuring that your property is adequately insured.”
The peak of tornado season in the U.S. varies by geographic region beginning in southern states during the months of March and April. Peak tornado season for the southern plains occurs during May and June and typically takes place during June and July in the Midwest and northern plains. According to the National Oceanic and Atmospheric Administration’s National Climatic Data Center there were over 1,400 tornadoes in 2010. The highest concentrations of tornado reports were clustered in the Front Range of the Rockies, the Southeast, the Central and Northern Plains, and the Great Lakes. The largest outbreak of tornadoes for 2010 occurred on June 17th, there were at least 74 confirmed tornadoes reported across the Upper Midwest and Northern Plains.
Most tornado, windstorm, hail and similar severe weather-related losses are covered by either homeowners or renters insurance policies. Tornado losses to a home are covered by the “windstorm” peril under the homeowners insurance policy. Renters insurance also provides coverage to policyholder possessions under this peril. Protection from windstorm or hail damage for cars is covered under the “comprehensive” portion of the automobile insurance policy.
PCI pre-storm tips:
– Conduct a detailed inventory of your possessions including receipts, descriptions and photos of your home’s contents.
– Keep your insurance policy and CalCas Claims information along with other important information with you or in a secure place.
– Keep a cell phone charged and with you for emergencies.
– If you have one, keep a laptop computer close by. Most insurance companies allow claims reports to be submitted via the Internet.
If you experienced a loss from the storms:
– Immediately contact your insurance agent or company representative
– Inspect property and cars for damage
– Inventory losses and photograph damage, and save related receipts to assist with claims handling
– Secure property from further damage or theft
– Check the background and legitimacy of repair contractors. Ask your insurance company for assistance in locating a reputable contractor.
As always, we hope you never have to call to report a tornado related claim, but it pays to be prepared!
