Each September, since 2004, National Preparedness Month “reminds Americans to be prepared for disasters or emergencies in their homes, businesses, and communities,” according to Ready.gov.
And, how is this working out for us?
After 15 years, 75 percent of us have set aside emergency supplies but fewer than 50 percent of us have an emergency plan.
After compiling your supply kit, it’s important to make an emergency plan for the family. To be completely prepared, you may want to get some emergency preparedness training.
Prepared for what?
According to the president’s annual proclamation, preparedness is not meant for only weather and natural disasters. Since those are the most common, let’s start there.
If you live in a disaster-prone area, you’ll want to take extra precautions. Just in the past few years, Americans have experienced catastrophic losses from:
- Volcanic eruption
But there are other dangers to prepare for as well:
- Hazardous materials leaks and spills
- Extreme heat and cold
- Power outages
- Active shooter
- Terrorist-related incidents
- Infectious disease outbreaks
- Community unrest
- Nuclear explosion
Yes, the list can be frightening, especially if you’re unprepared. In fact, the 2019 Preparedness Month theme is “Prepared, Not Scared.”
Take the following steps now to increase your family’s protection (both physical and financial) in the future.
“Insured losses due to natural disasters in the United States in 2018 totaled $52 billion,” according to the Insurance Information Institute. While that sounds like a rather large chunk of money, consider 2017’s losses: $78 billion.
More than one-third of those losses were due to droughts, wildfires and heat waves. Other losses incurred were due to tropical, winter and severe thunder storms, floods and earthquakes.
It is estimated, however, that half of the total dollar amount of losses caused by natural disasters are uninsured. The costs are therefore passed on to the victims or the taxpayers.
Natural disaster damage that is not covered under standard homeowners policies include:
- Floods – If you live in an area prone to flooding, you can purchase insurance coverage through the National Flood Insurance Program. Learn more about it at Fema.gov.
- Earthquakes – Most large insurers offer either separate earthquake coverage or an endorsement to your current policy.
If you cannot afford to replace your home, either in its entirety or any portion that is damaged, purchase insurance.
Protect important paperwork
Gather, copy and protect all of your vital documents. These include:
- Driver’s licenses
- Adoption papers
- Social security cards
- Birth certificates
- Citizenship papers
- Child custody papers, military ID or DD Form 214
- Current photos of your pets along with copies of vaccination records and chip ID numbers.
- Title to your home or loan information
- Car registration
- Insurance policies (homeowners, flood, earthquake, auto, life, etc.)
- Health insurance cards
- Detailed photos of the home and its contents
Ensure that physical copies of the documents are kept away from the home, such as in a safe deposit box or with a relative in an area not prone to disaster.
The experts at Ready.gov suggest that the average family should have cash in the amount of $2,400. Yes, that’s easier said than done. Any amount of cash will help, so start small and keep adding to your stash.
Prepare an emergency kit
Supplies that you’ll need during the recovery from disaster vary according to the size of your family, your age and the ages of your children, the weather and more.
For instance, older Americans living alone won’t have to stock up on baby formula and diapers but may want to ensure they have extra prescription and over-the-counter medications they use frequently.
For a good overview of what to consider adding to your supply list, consult Fema.gov. And, don’t forget your pets. Although this list at TheSeniorDog.com is based on the needs of a senior dog, it can be used for any dog or cat.
Add to the list collars, harnesses, leashes, feeding bowls and food.
Develop a family emergency response plan
The chances are good that your family won’t be together if a disaster hits. How will you contact one another? Where will you meet up?
Especially if your children are young, a family emergency plan is imperative. Get help creating one online at USA.gov.
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Introduction to Jennifer Y. Ross & The Westchester Living Team at COMPASS
Jennifer comes from Platinum Drive to Compass as an experienced agent. She epitomized Platinum Drive Realty’s motto “I grew up here. I live here. I sell homes here” and she is known for providing each of her clients with an exceptional experience guided by her expert local knowledge. She works tirelessly to ensure each of her clients has a professional, enjoyable and successful Westchester community & home buying search or selling experience. She often remains very friendly with her clients and welcomes the opportunity to be an ongoing resource as they settle into Westchester Living. Every step she takes will embody her core principals; integrity can never be compromised, clients’ interests always come first and character, commitment, and passion truly matter. For her buyer clients, Jennifer looks forward to the opportunity of being “Your NYC to Westchester” guide and real estate broker. For her seller clients, Jennifer is proficient at implementing an aggressive marketing strategy in order to obtain the best price possible in a highly efficient and seamless manner. Jennifer thoroughly enjoys assisting buyer clients in navigating the landscape of the Westchester residential real estate market. She is skilled at enabling clients to define where they see opportunity & facilitating the process from initial search through closing. Jennifer was awarded the Platinum Drive Star Award for Outstanding Performance in Sales & Client Services in 2014 & Platinum Drive Realty’s Superstar Award for Excellence in Sales and Client Services 2015 & 2016 for her outstanding performance in sales and client service. In addition to her passion for local real estate, Jennifer has a firsthand understanding of home renovation and new construction. Upon moving from NYC to Scarsdale, she and her husband performed an extensive renovation on their first home. After completion, they moved onto their second project in Larchmont, a full house renovation and expansion. More recently she is active with local developers who specialize in new home construction, home expansions and renovations. Jennifer has the ability to understand a home’s full potential and can help clients find or create their dream home. Jennifer was the Manager of Platinum Drive Realty’s Larchmont Office. Jennifer was raised in Scarsdale. After graduating from Scarsdale High School, Jennifer received a BA in Child Study & Sociology from Tufts University and an MA in Language & Literacy from New York University. Jennifer currently lives in Larchmont with her husband, Michael, and their three sons, Braden, Devon & Zane. She specializes in communities in Southern Westchester with a concentrated focus on the Sound Shore Communities of Larchmont, Mamaroneck, Rye Neck, Rye, New Rochelle as well as her hometown of Scarsdale. Prior to real estate, Jennifer was a teacher in the Mamaroneck Public Schools. Jennifer has a deep understanding of the local school systems and the needs of young families.
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Jennifer is a Licensed Associate Real Estate Broker & has her Accredited Buyer Representative designation (ABR) and her Seller Representative Specialist designation (SRS). Jennifer is a member of the Hudson Gateway Association of Realtors & the National Association of Realtors. Jennifer’s
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