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Preparing for a Hurricane –Dos and Don’ts

4/15/2015

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Why is hurricane preparation so important? In Florida state and federal will issue alerts and then a warning is usually 36 hours before anything happens. It’s true, authorities try to do their best to warn and help the population reach a safe place before all hell breaks loose, but if you and your family are prepared and know what to do you can go and help someone else who is (maybe) in a lot more trouble.

Hurricanes are preceded by panic, disorganization and total craziness and followed by suffering and losses. These are some pretty difficult situations that authorities have to put up with and it’s nice to try and make their job a little easier. And, at the end of the day, who doesn’t want to know that their family is prepared in case of an emergency situation?

Even though the warnings are issued with 48 to 36 hours before the hurricane strikes, the warning was preceded by alerts, the wind is already pretty strong and the rain is falling heavily. There is no sure way of predicting what a hurricane might do. This is why it is very important to be prepared: knowledge is power and you definitely will want your family members to have that power. You shouldn’t let your family become a burden simply because you don’t believe in preparedness!

In order to help with your hurricane preparedness checklist we put together a few dos and don’ts that might prove very useful:

  • Start preparing with a few weeks before the hurricane season.
  • Check your old hurricane supplies and refresh the ones that need to. Check expiration dates on cans, first aid kits, juice boxes, etc.
  • Don’t hide your emergency kit in a place that is hard to reach – you’ll need it in handy.
  • Don’t take foods that need cooking with you. Canned and dried foods are the best solution.
  • Build a plan and involve your family. This way they will understand it and they’ll know how to act in a difficult situation.
  • Think about evacuation situation – where will you stay if you have to evacuate? Contact your friends and family and find out if they can host you.
  • Discuss different scenarios with your family members. For example, what to do if you get separated and how to find each other.
  • Don’t overthink it. Create simple strategies that are easy to follow and understand.
  • Stay informed. Teach your children which radio station to listen in order to get updates on the storm.
  • Don’t wait until the last minute to buy hurricane supplies. In a crisis situation store shelves empty rapidly and you might be the one who didn’t make it in time to the store.

Although this is a rather short list, compared to the seriousness of a hurricane, it covers the basics. We also hope that it’s a wakeup call for people who live in hurricane the most hurricane affected area in the world. Please realize that a hurricane is a very serious situation.


EMERGE INSURANCE AGENCY
904-677-5884


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Hurricane Preparedness Checklist for Condos

4/15/2015

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Hurricane Season is fast approaching so with that in mind we have developed a checklist to help our owners/ residents prepare. Don’t wait until a hurricane watch/ warning is issued; start getting prepared now!


I. During Hurricane Season:

  • Check your homeowners and/or boat insurance carefully to see what you will need to do to file a claim.
  • Learn safe routes inland and plan where you would evacuate to.
  • Inventory property….with video if possible. Determine what will need to be removed from patios and/or condo. Write down serial numbers for appliances, computer equipment, etc.
  • Keep all legal documents such as registration, insurance policies, rental agreements in one secure, moveable container. 
  • Stock first aid kit, batteries, radio, non-perishable food, etc.
  • Make sure emergency contact information is current and on file with Spooner’s Creek office.

II. When Hurricane Watch is Issued:

  • Review/ test condition of emergency equipment; ie. First aid kits, flashlights, radios, generators, etc
  • Remove ALL patio furniture from condo balconies.
  • Complete stocking of emergency supplies:
  1. Flashlights
  2. Battery operated radio
  3. First Aid Kit
  4. Non-perishable food
  5. Eating Utensils
  6. Manual Can Opener
  7. WATER- 1 gallon per person per day
  8. Medicine
  9. Pet food
  10. Insect repellant
  11. Extra garbage bags
  12. Ice 
  • Fuel car and generator.
  • Be sure all windows and doors are securely closed and locked.
  • Remove items from refrigerator/ freezer- power will likely go off.
  • Have enough cash for 4-5 days

III. When Hurricane Warning Issued:

If you are evacuating:
  • Plan to leave early!
  • Notify site manager you are leaving and provide temporary contact information.
  • Turn off water to condo.
  • Disconnect electrical appliances, except for refrigerator. 
  • Empty refrigerator of perishable items- expect to lose electricity!
  • Bring all medications and special medical devices. 
  • Pack personal hygiene items, ie, soap, washcloths, towels, toothpaste, toothbrush,     deodorant, first aid kit
  • Take all important legal documents with you (insurance policies, proof of residence, property inventory, etc.)
  • Extra pillows and bedding.
  • Plan for enough supplies to last each family member 5 days.

If you are staying in your Condo:
  • Purchase all necessary emergency supplies.
  • Fill bathtubs with water to enable you to flush toilets and purchase bottled water for drinking.
  • Charge cellular phones.
  • Have plenty of canned food with manual can-opener. 
  • Make sure you have enough supply of prescription medications. 
  • Have supplies of extra batteries.
  • EXPECT TO LOSE POWER- Have flashlights close by.
  • Make sure to know routes to stairs- elevators will be shut down before the storm.
  • Fill a cooler with ice. You may want to consider purchasing dry ice for freezers and refrigerators in case of extended power loss.

IV. After the Storm passes:

  • Don’t leave building until officials say it is safe to do so.
  • Inspect unit for damage.
  • Don’t call police or emergency officials unless you have a life threatening emergency. 
  • Follow curfews if they are put in place.
  • Avoid driving as much as possible to leave roads open for utility and emergency crews.
  • Take pictures of any damage to your unit and report claims to insurance company


EMERGE INSURANCE AGENCY
904-677-5884

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Female-named Hurricanes Kill More Than Male Hurricanes

4/14/2015

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A study was published last year that found that female-named hurricanes killed more people than male-named hurricanes. Why? The study found that people don't take hurricanes as seriously if they have a feminine name.

Being a person that works with each client to evaluate both personal or business risks, I am very concerned that risk perceptions for many people hinge on gender differences in naming storms. 

Read more on this study: http://ow.ly/LtXLv 


EMERGE INSURANCE AGENCY
904-677-5884
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Emerge Insurance Agency
5991 Chester Avenue, Suite 103
Jacksonville, FL 32217
Office:     904-677-5884
Fax:         888-502-5988
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