Steps to take today to prepare your family for when an emergency strikes
California and the Pacific Northwest have to contend with wildfire season for six months of every year from May through October, with the last two months typically being the worst. And since the middle of August this year, over 1,000 fires have ravaged California, as a record 2+ million acres have already burned, forcing California’s largest utility to cut power to close to 200,000 residents and the U.S. Forest Service to close national forests.
The pictures are heartbreaking, and it is only forecasted to get worse in the coming days and weeks.
What Would You Do?
How would you react if news came that a fire was heading in your direction? Would you scramble to protect your home and family, uncertain of where to begin?
Or, would you calmly pull out a detailed plan for such emergencies? Would your family be ready to evacuate quickly with essential supplies? Would your house be secure?
Planning for a disaster is no different from other measures you probably take to protect yourself and your family from potential hardship, such as insuring your life, saving for retirement, and getting regular medical check-ups. But preparing for a disaster does take a small investment of time and money. Even a very basic plan could one day save you and your
loved ones from ruin.
Here are some steps you can take to prepare your family for when an emergency strikes.
1. Make an Evacuation Plan
Think carefully about what you and your family would do if you were advised to evacuate your home.
- Plan in advance where you would go, and how you would get there. Establish a meeting place for family members in case you become separated.
- Keep your gas tank at least half full at all times.
- Prepare a kit of emergency supplies to last you three days, including food and water, a first aid kit, clothing and blankets, and prescription drugs.
- You should also have an envelope on hand with enough cash or travelers checks to last your family about three days, as well as several credit cards with high available balances.
2. Make an Evacuation Box
Collect and make copies of all your key financial and personal documents, and make a written and photographic inventory of all your valuables. Essential documents should be stored in a bank safe-deposit box located some distance from your home or in an airtight, waterproof, and fireproof safe or container that can easily be taken with you in an emergency evacuation.
3. Protect Your Property
If you live in an area that is frequently hit by natural disasters, consider what you can do to mitigate potential damage to your property. Depending upon the type of disaster likely to strike, you may want to take steps like adding fire-resistant siding, installing smoke detectors, clearing brush from around the house, anchoring the foundation and roof, installing fire-resistant shutters on windows and glass doors, securing objects that could fall, and moving electrical panels and furnaces to upper levels.
In addition, develop an action plan for evacuation. Before leaving your house, secure outdoor furniture, unplug electrical equipment, shut down gas and water utilities, and lock windows and doors.
4. Involve the Family
Assign evacuation-related tasks to each family member, and conduct a drill to ensure that everyone in your household knows exactly what to do in an emergency situation.
5. Check Your Insurance
Many people who have lost their homes to fires find their insurance policies do not cover the cost of rebuilding. Review your homeowners-insurance policy annually to make sure it reflects the actual replacement cost of your home and its contents. Be aware that your policy may not cover damage due to specific causes.
Your particular circumstances will ultimately determine what measures are necessary to prepare your family for weathering an emergency. Whatever action you decide to take, remember that most disasters strike with little or no warning – the time to get ready is now. Today.
When We Talk Next
The next time we talk, let’s add this to our agenda of items to discuss. We can help you think through your evacuation plan, help with electronic storage of your valuable documents and of course review your insurance coverage to ensure that you and your family are protected.
All information is believed to be from reliable sources; however LPL Financial makes no representation as to its completeness or accuracy. Content in this material is for general information only and not intended to provide specific advice or recommendations for any individual.
This article was prepared by RSW Publishing.