I LOVE October. The weather finally starts to cool off (a little), the leaves change, and pumpkin foods fill the stores. Costume and c andy time will come at the end of the month, but until then it is all about fall weather and pumpkins for me. Beside Halloween, it is pretty much the last month of relaxation and mellow time before the holiday frenzy sets in. It is probably a really good time to create your monthly to-do list and re-prioritize. The more projects, err ands, and such that you complete during October, the less stress you will experience during November and December. After all, who doesn’t want to feel more focus when planning the holidays and doing all that shopping?
If you didn’t put this on your list at the beginning of September, it is no time to put it at the top of your to-do list for October – IT IS TIME TO GET A LIFE INSURANCE POLICY.
Come on…no more procrastinating or excuses. There is absolutely no reason for you to continue without a policy. Do it today and get it out of the way. You will have the rest of the month to work through your remaining to-do list and can do it without the stress of worry about a life insurance policy.
The violent winds, rains and storm damage from hurricanes can devastate communities and cause billions of dollars worth of destruction. The losses from hurricanes this year alone have surpassed that from almost any other natural disaster in years. The risk to your home and possessions can be enormous and you really should be considering insurance cover for hurricane damage if you live in any area that is exposed to the risk of hurricane. As well as insurance cover however, there are other steps you can be taking to prepare for, and minimise the damage to your property and risk to your family that hurricanes pose.
Since the Atlantic hurricane season in June and continues through till the end of November, there is a significant of the year during which you should be in some way for hurricane threats. Some of the preparations below will be required by insurance policies, others will not but are still helpful to you and your family. Some of them may even be able to bring down your insurance policy price as the insurance company recognises that you are safer than you otherwise would be and are therefore less likely to be making a claim.
First of all you should be familiar with the terms of your insurance policy and any disaster preparedness and response plans they have. These will help you in the case that disaster does strike or you find yourself in need of making a claim.
If you think you may need to evacuate your area, you should contact the appropriate authorities before h and to know what those requirements will be. You should have a plan formulated in advance and if there are shelters nearby you should know where they are and how to get to them.
Keep supplies such as food, water, gasoline, portable radios and batteries stored somewhere safe so they will be available to you in the emergency. Several flashlights with extra batteries should be included. Copies of important identification and insurance documentation would also be useful in certain situations to speed up applications in the event that wide spread devastation occurs. Medical supplies such as aspirin and aspirin free painkillers, antacid, b andages, gauze and disinfectant are also useful.
While insurance is a very important step you should be taking to protect your possessions and family in the event of disaster, there are many other steps you can take to prepare for the situation also.
Ensure that your property is protected to the fullest extent possible:
Install storm shutters in wind-prone areas.
Secure or store outdoor furniture and loose items.
Trim tree branches that are close to the structure; remove dead trees or limbs.
Reinforce garage doors.
Inspect and replace caulking and weather stripping around doors and windows.
Be sure you have a copy of your insurance policy and an inventory of the property and contents in a safe place.
Protect Yourself and your Family
Be sure you have these items on h and:
Battery-operated radio and flashlights with fresh batteries.
Supply of bottled water and non-perishable food.
Blankets and clothing.
First aid kit and any necessary prescription medications.
If you’re in an area prone to power outages, consider purchasing an auxiliary generator.
Familiarize yourself with evacuation routes, and if asked to evacuate, do so.
Be certain your car is in good working order and the tank is full.
What to do after a storm
Make sure all family members are safe. Listen to the radio for public service announcements. If evacuated, do not return to your home until authorized to do so. If at home, wait for the “all clear” announcement before venturing outside.
Don’t touch downed power lines; assume they are live no matter how long they have been down.
Check for gas leaks. If you smell gas, leave immediately and call the utility company from a neighbor’s house.
Don’t try to move large trees or branches that have fallen on your home. You could hurt yourself and possibly increase the damage to your home.
Cover broken windows or holes in walls or roofs to prevent further damage.
Susman Insurance Agency,
825 South Barrington Avenue, Suite 200,
Los Angeles, CA 90049