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Hurricane Preparedness Week 2015

With the Atlantic Hurricane Season quickly approaching, June 1st-November 30th, now is the time for Indian River County residents to make or review Hurricane Checklists and Evacuation Plans. Below is a short list of items you may want to include while preparing:

  1. Water (1 gallon per person/pet per day, plan for 3 days)
  2. Medications (2 week supply)
  3. First Aid Kit
  4. Battery Operated Radio
  5. Flashlight / Lantern
  6. Batteries
  7. Non-perishable food
  8. Tarps
  9. Coolers for Food and Ice
  10. Propane for Gas Grills
  11. Fill Vehicle Gas Tanks & Cans
  12. If you have a Generator, check it to make sure it is in working order before a storm approaches.
  13. Pet Supplies (food, meds)

 

Have a plan in place with family members as to where you will go in the event you are ordered to evacuate for a storm. This is particularly important since cellular communication immediately after a hurricane is limited to first responders/emergency services and landlines are often not working in the affected areas. If you plan to evacuate to a shelter and have pets or special needs, be sure to make these arrangements well ahead of time as shelters for these services may have limited capacity.

Get cash ahead of time. ATM’s will likely be down as power may be out for days and/or businesses closed.  Credit/Debit cards won’t work for the same reasons.

For insurance purposes, take interior... Read More

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Flood Insurance 101

Those of us who have been through a hurricane can somewhat relate to the events unfolding in the Northeast with the landfall of Hurricane/Tropical Storm Irene.  Hopefully we will never experience this degree of flooding, but it's good to be prepared. MyFloodZone.com is a very informative site about all things flood insurance.... Read More

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First Aid and Food – Hurricane Preparedness

First Aid These first aid items are a must for every household. •    Antiseptic solution: Keep this on hand to keep infections at bay. •    Allergy medicine: Storms can blow in all kinds of icky stuff that drive your allergies wild. •    First aid instructions: Print out instructions for the Heimlich, CPR and other basic aid in case you panic in an emergency. •    Mosquito repellant: If it floods — or even rains a lot — your area could have a serious and potentially dangerous mosquito problem. •    prescription glasses: If you run out of contact solution or all the nastiness in the air after a storm irritates you, you’ll have back-up glasses. •    Adhesive tape: You can use this to fasten bandages, hold large lacerations together and even splint broken bones. •    Gauze, bandages and band-aids: Even little cuts and scrapes need to be dressed, so have a range of bandages on hand. •    Hand sanitizer: Nothing compares to soap and water, but in a fix, hand sanitizer with at least 60% alcohol will help. •    Sunscreen: If you have to evacuate, take sunscreen with you in case you get stuck on the highway. Food and Water Know which foods to keep on hand during a storm. •    Food and water should last for 72 hours: Make sure you have enough supplies to last everyone in the house for at least 72... Read More

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What is a Home Inventory and do I really need one?

Is a Home Inventory Necessary? Simply put "Yes."

Insurance agents get asked this question all the time. Typically, it’s asked with a skeptical tone, as though the insurance company might try to pull a fast one at claim time by not coughing up enough cash to cover the loss.

You do not need to provide a list or inventory to purchase a policy, but you must furnish one in the event of a property damage claim. Either way, it is highly recommended that you create a list of your contents early and update it often, unless you want to be at the mercy of a claims adjuster. And while photographic evidence of your home’s contents is not required for a claim, it’s a smart move to do so to ensure proper reimbursement.  Just don't try to collect for your 18 karat gold toilet plunger, you may be asked to show proof of that particular purchase.

Why Make an Inventory?

Real quick, grab a pen and piece of paper.  Now write down all of the contents of your smallest closet. When you have finished, go into that closet and see just how many things you missed. Those are the items the insurance company will not pay you for in the event your home burns down and you are asked to... Read More

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