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Planning Ahead for Severe Weather

When it comes to major weather events, it's not a matter of IF but rather WHEN they will strike. This post contains helpful information regarding what can be done to minimize its negative impact and speed the recovery process.

You know how some people like to play the “I’m so old, I remember” game? For example, “I’m so old, I remember when I had to go to a store to buy music;” or “I’m so old, I remember what it was like to not even know what gluten was.” Well, here’s another one: “I’m so old, I remember when the weather wasn’t regularly threatening my property or my life.”

It certainly does seem as though the weather is more violent, more often than it used to be 20 or 30 years ago. Maybe this perception is caused by distorted memory, but based on the increasing frequency of powerful storms accompanied by all too regular 100-year floods, as well as increases in property insurance payouts, evidence does seem to suggest that we are living in a period of increased incidences of powerful storms. 

Whether they’re hurricanes, Nor’easters, Midwestern tornadoes, Texas hailstorms, or West Coast mudslides, no part of the country has been spared from violent storms. Even though my home in Atlanta is located 270 miles inland, tropical storms have knocked out power for multiple days three out of the past four years. I’ve also had soil erosion and flooding issues that never occurred in years past, and many of my neighbors have had to replace their roofs due to wind or hail damages. It certainly seems wise now to think about how to proactively take action to deal with the inevitable severe weather.  

So here we are, in the middle of hurricane season. Being prepared before a storm hits may make sense, but what can actually be done before an event to minimize its impact and inconvenience? Where can you go to get advice on how best to prepare for dangerous weather? Here are some suggestions:

The Centers for Disease Control (CDC)
https://www.cdc.gov/disasters/index.html

This site has a great deal of information to help one prepare for all sorts of extreme weather events. It also provides a useful guide for building a personal emergency kit with things such as water, a manual can opener, flashlight and a first aid kit.        https://www.cdc.gov/phpr/areyouprepared/index.htm

 Ready.Gov
https://www.ready.gov/severe-weather

This is another site filled with practical information about planning for severe weather and other disasters. It even has a section for parents and educators to help when speaking with children about disaster preparations. It suggests ways for children to get involved in helping with tasks such as role playing in terms of what to do in case of an emergency and designing a family communications plan.

FEMA
https://www.fema.gov/media-library-data/1494007144395-b0e215ae1ba6ac1b556f084e190e5862/FEMA_2017_Hurricane_HTP_FINAL.pdf

This website includes a comprehensive hurricane preparation guide that provides tips on what to do before, during and after a storm. It also offers advice regarding whether to stay put or to evacuate.          

Insurance Institute for Business and Home Safety (IBHS)
https://disastersafety.org/ibhs-public-policy/rating-the-states/

If you’re curious to see how well  (or not well) your coastal state ranks with regard to upgrading building codes to better withstand tropical storms, the Insurance Institute for Business and Home Safety has recently released its updated “Rating the States” report, ranking coastal states on their storm preparedness. 

Preparing for a major weather event is really all you can do before it strikes. While it won’t prevent it from happening, it can help make its impact less severe. More importantly, it can keep you safer. Maybe one day you’ll be able to say, “I’m so old that I remember when severe storms were devastating, but now we’re so much better prepared because we plan ahead.”



The material contained in this publication has been prepared solely for informational purposes by Genesis Management and Insurance Services Corporation.

Genesis Insurance Company is licensed in the District of Columbia, Puerto Rico and all states. Genesis Insurance Company has its principal business in Stamford, CT and operates under NAIC Number 0031-38962.

© 2018 Genesis Management and Insurance Services Corporation, 120 Long Ridge Road, Stamford, Connecticut 06902


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