Are there any common misconceptions about tornadoes?

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Are there any common misconceptions about tornadoes?

Are there any common misconceptions about tornadoes?

Do not open a window to try to “equalize the pressure.” Doing so may actually pressurize the house and can cause the roof to be torn off. Also, underst and that tornadoes are not always visible from a distance; rely on a weather radio as an information resource. Although tornadoes are usually spawned by thunderstorms, they have been known to occur without lightning. They can cross a river or another body of water. Finally, tornadoes are not confined to “tornado alley.” Tornadoes can occur anywhere, at any time.

What if I am in a car and I learn a tornado is approaching?

What if I am in a car and I learn a tornado is approaching?

Immediately seek shelter in a sturdy building. If that isn’t possible, you have two options. Stay in the car with the seat belt on, putting your head down below the windows and covering it with your h ands and a blanket if you have one, Or, if you can safely get lower than the level of the roadway, exit your car and lie in that area, covering your head with your h ands. Your choice should be driven by your specific circumstances.

What should I do if I learn a tornado is approaching?

What should I do if I learn a tornado is approaching?

If you are in a house, go to the lowest level such as a basement or storm cellar. If there is no basement, go to an interior room such as a closet, hallway or bathroom. Try to cover your head with a blanket or jacket to guard against flying debris or broken glass. If you are in a mobile home, you should leave immediately and seek shelter elsewhere. If you are outside and cannot get to shelter, crouch beside a strong structure or lie flat in a ditch or low-lying area and try to cover your head and neck. Get as far away from trees and cars as you can.

Staying safe in a wildfire

Staying safe in a wildfire

 

There are steps you can take before, during and after a wildfire to help you and your family stay safe.

Before

 

  • Give your yard a good annual clean-up and maintenance. Prune tree limbs within 10 feet of your home, clear away dead plants or branches, and remove pine needles, leaves, and other debris from the yard, roof, and gutters. Use caution and be careful to stay away from overhead wires. If you are not comfortable doing this work yourself, hire a licensed contractor.
  • Prepare a family evacuation plan. Have more than one escape route and designate a place for family members to meet if they are in different locations when an evacuation order is given.
  • Make sure adult family members know how to shut off utilities and how to use fire extinguishers.
  • Prepare a survival kit.

 

During

 

  • Listen to the radio for important reports and evacuation information.
  • Remove lightweight and non-fire-resistant curtains from around windows.
  • Place combustible patio furniture in the house or garage. Move all flammable furniture away from windows to the center of the house.
  • Close windows and interior doors.
  • Connect a garden hose to the outside tap and place lawn sprinklers on the roof. Wet the roof and any shrubs within 15 feet of the house.
  • If you must evacuate:
    • Shut off propane at the tank, or natural gas at the meter, and turn off all pilot lights.
    • Turn on a light in each room of the house to increase the visibility of your home in heavy smoke.
    • Wear protective clothing, including sturdy shoes, long pants and long-sleeved shirts, gloves, and a b andana or h andkerchief.
    • Advise a friend or family member outside the wildfire area that you are leaving and where you will be.

 

After

 

  • Stay tuned to the radio or television for updated information. If you had to evacuate, return home only after authorities advise it is safe to do so.
  • Check for hazards such as electrical shorts or gas or water leaks. Turn off any damaged utilities, and arrange for the electric or gas company to test, repair, and turn utilities back on.
  • Check the roof and attic for smoke, sparks, and embers.
  • Throw away items such as food or medicines that have been contaminated by smoke or fire.
  • Promptly report any loss to Travelers using the toll-free claim reporting number.

 

Source: Insurance Information Institute; www.iii.org

Flood/water damage

Flood/water damage

Severe weather, flooding, and interior water leaks each pose their own risks. Underst anding the different ways water damage can occur helps you take the right steps to protect your property, which includes purchasing the right insurance coverage.

Underst anding causes of water damage.

While fire may be a common concern among homeowners, Travelers claim data suggests that homes could be as much as 10 times more likely to be damaged by water than by fire.

  • More

    Water damage to property can come from many sources with weather-related moisture or flooding being one significant source: leaking roofs, blocked gutters and downspouts leading to foundation and siding damage, ice dams; flooding from heavy rains, flash floods, dam and levee failures, snowmelt and spring thaws, tidal storm surges and mudflows. New construction development of buildings, roads or bridges can often alter the potential and flow of floods. Being located within a flood zone can put individuals at risk, but being outside an established zone does not mean homeowners are safe: flooding is always a possibility due to causes such as heavy rains, snowmelt and spring thaws.

    Water damage also can come from non-weather related sources within the home, including leaky baseboard heating, plugged air conditioning unit condensation drains, furnaces/boilers, water heaters, washing machines, and leaky plumbing. Homeowners may also have wet basements resulting from water entering through cracks in foundations, improper l andscape grading, downspouts placed too close to the foundation or from seepage through floor drains and sewer pipes, among other reasons.

    In all cases, water can cause major damage to your property, valuables and equipment. In severe damage, such as from flooding, it may mean the need to rebuild or move to another location.

Protect your property through prepare and prevent measures.

In addition to purchasing the right insurance coverage, no matter the source of damage-causing water (weather-related or not) there are a number of things you can do to help minimize or prevent water damage to your property.

Protect your property with the right flood insurance.

The average cost for homeowner flood loss is $48,000, according to the National Flood Insurance Program (NFIP). While floods can cause major destruction, the damage caused by floods is not covered by st andard homeowners insurance policies. However, flood insurance is offered by the NFIP and available through Travelers.

  • More

    A flood insurance policy provides specialized coverage to help you protect your home and condo from rising waters. Costs vary depending on how much insurance is purchased, what it covers, and the property’s flood risk. In general, flood policies can provide coverage for your home’s structure, furnace, water heater, furniture, appliances, clothing, rugs (with certain limitations for basement areas) and certain expenses you incur to protect your home from imminent flood damage and clean up costs. Generally, there is a 30-day waiting period from date of purchase before your policy goes into effect. That means now is the best time to buy flood insurance.

    If you have any questions regarding homeowners insurance or flood insurance, contact your agent or company representative.

Prepare & Prevent: Weather-related sources of floodwater damage

Before

  • Know your flood zone risk. Evaluate your flood risk.
  • Have your furnace, water heater and other permanent equipment elevated above the expected flood levels of your area.
  • Inspect sump pumps and drains regularly to ensure proper operation.
  • If you own a generator, have a licensed electrician provide a transfer switch to your sump pump so you can operate it in the event of flooding.
  • To help prevent sewage backup, have a licensed plumber install an interior or exterior backflow valve.
  • Keep s andbags on h and to help divert unusually high water away from your foundation.
  • In snowy climates, flag drains to avoid plowing snow on top of them.
  • Learn the flood alert signals of your community.
  • Collect emergency building materials if you live in a frequently flooded area. These include plywood, plastic sheeting, lumber, nails, shovels and s andbags.
  • Plan and practice an evacuation route. Designate a place for family members to meet in the event they become separated.
  • Review with all family members how to shut off utilities in an emergency.
  • Plan a kit with important documents, including insurance documents, medications and critical items in the event you need to leave your home.

During

  • Listen to a battery-operated radio or television for the latest storm information. If advised to evacuate, shut off all utilities and evacuate immediately.
  • Move to high ground, avoid rising waters and do not walk or drive through any floodwaters.
  • Stay away from downed power lines and electrical wires.

After

  • Listen to the radio and do not return home until authorities indicate it is safe to do so.
  • Be watchful of snakes that may have found their way into your home.
  • Throw away all food that has come in contact with floodwaters.
  • Remove st anding water as quickly as possible, including from your basement. If your basement is flooded, pump out the water gradually. Remove about 1/3 per day to avoid structural damage.
  • Properly dry or remove soaked carpets, padding and upholstery within 24-48 hours after a flood to prevent mold growth. Discard anything that cannot be properly dried.
  • Wash and disinfect all areas that have been flooded. This includes walls, floors, closets, shelves, as well as heating and air-conditioning systems.
  • Do not energize electrical or electronic equipment that may have suffered water damage without first having a qualified electrician inspect and/or test it.
  • Promptly report the loss to Travelers using the toll-free claim reporting number.

More on tips for wet basements.
Floodsmart Tips

Prepare & Prevent: Weather-related sources of water damage

You can minimize or help prevent water damage from sources from within the home through home maintenance steps, including:

  • Keep drains, gutters and downspouts clear of leaves and other debris.
  • Maintain your roof to prevent water from seeping into your home.
  • Move downspouts minimally three feet away from the base of your home.
  • Inspect and repair foundation wall cracks.
  • Grade your l andscape away from your building so water is directed away from the basement.

Prepare & Prevent: Non-weather, interior sources of water damage

You can minimize or help prevent water damage from sources from within the home through home maintenance steps, including:

  • Inspect washing machine hoses annually and replace every three–five years–or immediately, if there are any signs of cracking or bulging.
  • Inspect plumbing around water heaters, showers, tubs, toilets, sinks, and dishwashers annually and repair if there are any signs of leaks or corrosion. When possible, install water heaters in an area with floor drains to minimize damage if leaks should occur.
  • Inspect refrigerator icemaker connections, usually located behind the refrigerator, annually and replace hoses if they appear cracked or corroded.
  • Check air conditioning drain lines yearly and clean if clogged.

The storm is over – now what do you do?

 

 

The storm is over –
now what do you do?

After it is confirmed by authorities that the storm has passed and it is safe to go outdoors, you can begin to assess any potential damage. If you have property damage, you should report your claim as soon as possible. The more information you can provide when you report the loss, the better we can begin our response. However, if you have missing information but have sustained damage, please report your claim in any event.

  1. Stay inside and make sure everyone is safe.

Stay tuned to the radio or television until an official “all clear” is given (if you were evacuated, return home only after authorities advise it is safe to do so.)

  1. Avoid downed power lines.

Never touch anything in contact with power lines, including water or water puddles that may be near the downed power lines.

  1. Protect property from further damage.

Board up broken windows to protect against v andalism or additional weather damage. Arrange for reasonable temporary repairs.

  1. Keep accurate expense records.

Save bills and materials receipts from your temporary repairs. (Do not make permanent repairs until the insurance adjuster has reviewed the damage.) Also, keep accurate records of other expenses incurred.

  1. Separate and inventory the damaged property.

Write a list of any damaged contents. Include the item description, name of the manufacturer, the br and name, age, the place and date of purchase, if known. Use any photographs, videotapes or personal property inventories you may already have to help.

Road Rage

Road rage. You hear about it, you know what it is, however when is the last time you actually were involved in it? Being in the insurance industry, you can bet that I hear about road rage, its effects on driving habits, premiums for auto insurance and so on. I’m a trained professional, so I would never fall into that trap I know so much about and take it out on another driver, or would I?

I’m driving home from the office, minding my own business. The street I’m driving on begins to narrow, well it always does that after all. However today there appears to be some parties in progress. There are rows of cars parked on both sides of the street and I immediately notice no less than ten valet scurrying up and down the street picking up and dropping off cars. Being the careful, well trained vehicle operator that I am, I slow down for safety.

After a few moments, I’m at a complete halt; not really much of a choice with cars on both side of the already narrow street and people walking around and valet personnel hopping and jumping about. Soon I’m inching my way up, taking turns with cars coming down the street, I pull to the left, the car passes, I migrate up a car length while the opposing traffic does the dose-e-do with me. This is the safe, polite and in all truth only way to slowly crawl up the street and we’ve all done it before. Haven’t we?

From what appears to me as out of the blue, a car whips around the corner and I would have sworn connected its front bumper to my rear bumper. As I’m inching my way along, this car is for all intense and purposes, attached to me. After a few duck and cover operations trading space to let oncoming cars go by and then moving along myself, this car, or more accurately this driver starts honking at me. It’s a shame that a car horn only signify objects in front of you and not behind, because if I had the ability to honk back at him, I would certainly have opted to do so.

After honking at me for a solid minute give or take, I would have loved to let him pass, however alas, there is barely enough room for one car to get by let alone one car pass another. So, I do what any conscientious law abiding driver would do – I stop. Completely stop and wait for my little attached to my bumper tumor to take a few breaths and relax. Sure, in hindsight, I can see how this would probably not accomplish that at all, and in fact it didn’t. It royally pissed this guy off.

Being the uber-social fella I am, I figure if I roll down my window and wave to him, smile, perhaps make the “calm down” gesture, he will get my drift and actually, well, calm down and relax. After rolling my window down I do just that and wouldn’t you know it, I can hear him, well, saying, cursing at any rate, trying to communicate back to me. Ok, so maybe I should just keep moving then. So I keep moving up, stop, pull to the right let a car go by, go up a little more, rinse and repeat.

At long last I make it to a place where there actually is room for a car to get around me, apparently a spot a valet didn’t yet fill and my little growth takes the opportunity to speed right around me. I’m expecting “the look” or worse, so I put on my best and most friendly smile. Instead of any communication human to human, he instead pulls infront of me and slams on his breaks bringing me and all cars behind to a halt. I can’t say screeching halt, as much as that would make this sound so much more dramatic, after all we are only going a few miles an hour at best. I sigh and say to myself, ok, get it out of your system and we’ll all move on. Sure enough, after a minute or so and people behind me begin to honk, he starts moving along. All is forgotten and we’re all moving along again, same pace, just a new leader in the pack, him.

Uh oh. Now he pulls over and waits to be passed. I exhale and just drive on past, not even turning my head to engage him. Sadly, he is not ready to live and let live. Tires smoking leaps behind my car, almost hitting the car that was behind me and again re-attaches his front bumper, fugitively speaking, to my rear bumper. Now I’m spooked. I’m not going to let this dude follow me to my front door, so I take the first opportunity to turn on to a street, hoping he will pass. Nope. No dice, he turns with me.

With my luck for the day, I have turned onto a cul-de-sac and have no choice but to turn around and head back and surprise surprise he has pulled over and rolled his window down to have a little chit-chat with me. So be it. I slowly pull up, with no other option, and our two driver windows are only a foot apart. I stop and open my window.

He asks what I was doing, and although I think it was pretty self evident, I decide to give him an honest answer. I tell him I was driving carefully up the street. He says I was holding up all the traffic, and I explain to him that I was really going as fast as was physically possible and he really should just relax, it’s always better to drive and error on the side of caution. Next he wants to know why I had the “audacity” to stop in front of him. Again, I smiled and gave him an honest answer, “to give you a few seconds to calm down.” He tilts his head to the side studying me to see if I’m serious and then smiles and says, “ok, well take care and have a great day.” Not even the slightest hint of sarcasm in his voice either, oddly enough. I pay him the same respect back and we both pull away.

I notice he drives the other way, back down the street, meaning he actually was following me, at least for a while to follow me, not to get to anywhere specific in the direction I was traveling. That won’t give me too many nightmares.

At the end of all of this, I’m left in my driveway thinking it all over. What did I do wrong, where did I go wrong? Leave a comment below and you tell me who you think was in the right, or wrong.

Karl Susman, Agent