Category: Emergencies


How financially prepared are you if a weather disaster strikes?

Last year was the fifth year in a row that 10 or more weather and climate disasters in the US logged at least $1 billion of associated losses. If you think 2020 threw everything it had at us and will now ease off, think again. While we all have our hands full with navigating the new realities of life under Covid19, nature is relentless and doesn’t slow down. Most Americans agree. According to a recent survey by American Institute of CPAs (AICPA), 61% or respondents said they were likely to be personally affected by a natural disaster in the next three to five years. Almost one in five said that prospect was highly likely. (see ThinkAdvisor: Few Americans financially prepared for a natural disaster: survey.)

Despite that, “… only 15% of respondents said they had created a disaster plan to protect their finances. Worse, 27% had not taken any steps at all to prepare for a natural disaster.” That’s rather daunting. Think about the problems and logistics in a hurricane, massive wildfire, or flood evacuation in the middle of a pandemic: public emergency resources are already strained. Plus, social distancing measures important to disease prevention will make things like finding emergency shelter and supplies even more challenging than normal at a time when many are suffering financial strain and economic strain from job loss.

AICPA has suggestions for financial emergency prep steps in their report on the survey:

Banking Without the Bank — If your bank branch is closed due to the pandemic, you may need some new options for accessing cash, depositing funds, and checking your account activity. Now is a good time to investigate alternative locations where you can use your ATM card to obtain cash without additional fees, and perhaps mobile banking which can allow most banking activities including check deposits and transfers between accounts.

Insurance Coverage — If you haven’t recently reviewed your coverage with your insurance agent, you’ll want to be sure your homeowner’s or renters insurance is up to date for changes in value, valuable items you’ve added like jewelry or watches, and special risks you may face like flooding. As a first step, be sure you know how to contact your agent, who may be working remotely or with a reduced staff under current conditions.

Safe Deposit Box — If you have documents in a safe deposit box that you may need after a disaster, you may find that your local bank branch is closed or operating under restrictions. You can check with the bank’s main office to learn how to access the box if local restrictions apply and may continue.

Wills, Powers of Attorney, and Health Care Proxies — If disaster results in incapacity, loss of a loved one, or serious injury, you’ll want to be sure that your legal paperwork is up to date. Your attorney may be working remotely under pandemic- related conditions. If your papers need an update, it pays to get a head start in contacting the professionals you will look to for help and advice.

Employment-Based Programs — Visiting your human resources department to check on items that may help you manage through financial survival in a disaster, like your disability coverage or ability to borrow from a 401(k) or similar retirement plan, is likely not an option if your workplace is closed due to the pandemic. You can take steps now to learn how to get the information you need, and request any needed updates, by phone or online.

AICPA offers more help at the 360 Degrees of Financial Literacy portal – see Disaster Action Plan: 5 Key Steps to Protect Your Family and Finances.

Other emergency prep planning tools:

 

 

 

Reprinted from Renaissance Alliance – no usage without permission.

Prepping for an active hurricane season in a pandemic

As if we all didn’t have enough on our plate this year – the National Oceanic and Atmospheric Administration (NOAA) is alerting us that we can expect an above-normal 2020 hurricane season, with 3 to 6 major hurricanes. The season runs from June 1 through November 30, so we have just dipped a toe in the water so far. CoreLogic’s annual Storm Surge Report estimates that yearly 7.4 million single and multi-family homes are at risk of storm surge – potential damage that could be intensified by the pandemic and the uncertain economy.

Emergency preparation for hurricanes is a vital priority every year, particularly for those who live in the southeast and in Atlantic coastal areas. This year, the pandemic poses additional planning challenges. NOAA says:

“Social distancing and other CDC guidance to keep you safe from COVID-19 may impact the disaster preparedness plan you had in place, including what is in your go-kit, evacuation routes, shelters and more. With tornado season at its peak, hurricane season around the corner, and flooding, earthquakes and wildfires a risk year-round, it is time to revise and adjust your emergency plan now,” said Carlos Castillo, acting deputy administrator for resilience at FEMA. “Natural disasters won’t wait, so I encourage you to keep COVID-19 in mind when revising or making your plan for you and your loved ones, and don’t forget your pets. An easy way to start is to download the FEMA app today.”

Vox offers a deeper dive on some of the challenges that a hurricane could pose: Imagine Hurricane Katrina during a pandemic. They note that response systems are already on overload and that evacuation and sheltering would have additional complications, suggesting that decisions about when to evacuate vs when to shelter in place may need to change:

Emergency evacuations are typically called for based on the expected impact of the hurricane, and may involve large populations moving to concentrated locations like emergency shelters or hotels — or leaving the area entirely. Even without a disease outbreak, evacuation decisions are always difficult, both practically and politically. The decision process should be altered during an epidemic because usual evacuation risks (traffic accidents, for example) will have to be balanced against the risk of increasing disease transmission, which could have longer-term effects than the hurricane itself.

The pandemic makes clearly communicating exactly who should evacuate even more important: Those in the storm surge zone should go while others should be encouraged to shelter in place and be prepared for wind, rain, and power outages.

Emergency prep is important up and down the coast, including in new England.  While hurricanes are a rarer occurrence in New England, the region still thinks back on the devastation of 1938, a hurricane which killed more than 700 people. Meteorologist Matthew Cappucci wrote a fascinating report of the great New England hurricane of 1938, which includes projections of damage that could occur today if the region were to experience a similar storm.

If you already have a disaster or a hurricane plan for your family or your business, update it to encompass the realities that the pandemic has imposed on your local area. It’s even more important than ever to have a checklist and to store supplies for up to a week. In addition, expand your time horizon – you may need additional time to execute any evacuations.

One preparation recommendation from nearly all safety officials: download the FEMA app and check your state or local emergency management authority for any available apps. Red Cross has a variety of excellent emergency prep apps.

We’re reprinting some tips about hurricane prep during a pandemic from the Houston Office of Emergency Management, and also include links for other prep tools and guides.

  • Understand that your planning may be different this year because of the need to protect yourself and others from COVID-19.
  • Give yourself more time than usual to prepare your emergency food, water, and medicine supplies. Home delivery is the safest choice for buying disaster supplies; however, that may not be an option for everyone. If in-person shopping is your only choice, take steps to protect your and others’ health when running essential errands.
  • Protect yourself and others when filling prescriptions by limiting in-person visits to the pharmacy. Sign up for mail order delivery or call in your prescription ahead of time and use drive-through windows or curbside pickup, if available.
  • Pay attention to local guidance about updated plans for evacuations and shelters, including potential shelters for your pets.
  • If you need to evacuate, prepare a “go kit” with personal items you cannot do without during an emergency. Include items that can help protect you and others from COVID-19, such as hand sanitizer, or bar or liquid soap if not available, and two cloth face coverings for each person. Face covers should not be used by children under the age of 2. They also should not be used by people having trouble breathing, or who are unconscious, incapacitated, or unable to remove the mask without assistance.
  • When you check on neighbors and friends, be sure to follow social distancing recommendations (staying at least 6 feet, about 2 arms’ length, from others) and other CDC recommendations to protect yourself and others.
  • If you need to go to a disaster shelter, follow CDC recommendations for staying safe and healthy in a public disaster shelter during the COVID-19 pandemic.

Additional hurricane prep tools

 

Reprinted from Renaissance Alliance – no usage without permission.

COVID19: Even with the shutdown, you can still give blood

As the coronovirus crisis continues across the nation, many of us wonder how we can help. Here’s one way: The American Red Cross reports a severe blood shortage. With so many people in shutdown all over the country, many blood drives have been cancelled. Yet just because many things have stopped, Red Cross reminds us that life’s other emergencies haven’t gone on shutdown.

Each year on average, the Red Cross:

  • Responds to more than 60,000 disasters across the country.
  • Trains more than 4.8 million people in first aid, water safety and other lifesaving skills.
  • Collects more than 4.6 million blood donations and nearly 1 million platelet donations from more than 2.6 million volunteer donors.
  • Provides nearly 471,000 services to military members, veterans and their families.
  • Helps 230 million people outside the U.S. through American Red Cross disease prevention activities and disaster services.

Blood drives are still happening because they are controlled events with trained staff and provide an essential services. See more on safety protocols that the Red Cross follows below. Individuals can schedule an appointment to give blood with the American Red Cross by visiting RedCrossBlood.org, using the Red Cross Blood Donor App, calling 1-800-RED-CROSS or activating the Blood Scheduling Skill for Amazon Alexa.

And if you absolutely can’t donate blood for whatever reason, consider making a donation to the Red Cross Coronavirus efforts.

COVID10 - Red Cross give blood poster

Reprinted from Renaissance Alliance – no usage without permission.

Coronavirus Stay-at-Home Care Kit

If you are one of the millions who are confined to home during the Coronavirus outbreak, we have scoured the web for some of the best advice, tips and tools to help you make the most of things .. from working at home, keeping safe, stocking up, keeping kids safe and amused and dealing with anxiety and boredom.

Working from home

8 Tips To Make Working From Home Work For You – “Never before have workers telecommuted on such a broad scale. Millions of people are trying to work from home — if they can, of course. NPR’s Life Kit wants to help WFH work for you, especially if you’re doing so for the first time.”

Working From Home Because of COVID-19? These Tech Ideas Can Make It EasierConsumer Reports offers tools and services, to help you  increase productivity.

How to Set Up a Home Workstation to Avoid Muscle Strain, Headaches, and Sore Eyes – If the coronavirus outbreak is forcing you to work from home, follow CR’s advice for your home office, kitchen, or bedroom

How to Stay Sane When Working From Home With Kids – tips from Wirecutter

Keeping safe!

These Common Household Products Can Destroy the Novel CoronavirusConsumer Reports shows you how to use them and tells you which products to stay away from.

How to Clean and Disinfect Yourself, Your Home, and Your Stuff – Wired magazine offers their best in-depth best practices for keeping yourself (and just about everything else) clean and virus-free.

How You Can Kill Coronavirus in Your Car Without Damaging Interior Surfaces

Should You Disinfect Your Phone? Here’s How.

List N: Disinfectants for Use Against SARS-CoV-2 – EPA.gov lists common household products and their effectiveness in protecting against Coronavirus.

Beware: Scams & hoaxes

Beware of Products Touting False Coronavirus Claims – Regulators and watchdogs warn consumers of hucksters playing on fears to make profits.

Phishing in the Time of COVID-19: How to Recognize Malicious Coronavirus Phishing Scams – good tips from the Electronic Frontier Foundation.

How to Avoid Coronavirus Phishing Scams – Watch out for a surge in emails from cybercriminals pitching COVID-19 health information and fake cures

Stocking Up

Grocery shopping during the coronavirus: Wash your hands, keep your distance and limit trips Washington Post offers tips, including ideas for people who are 65 or older, or immune compromised.  .

How to Protect Yourself From Coronavirus When Grocery ShoppingConsumer Reports offers precautions to take whether you shop in-store or online

Grocery rules for your coronavirus lockdown: Buy beans, freeze milk, don’t hoard, and more – Who knew you could freeze milk? CNN offers tips for the best foods to buy when  you’re going to be stuck at home.

Wirecutter: The Best Meal Kit Delivery Services

Keeping Kids Safe & Engaged

How to Cope at Home With Kids During the Coronavirus Outbreak – Keep your family healthy—physically and mentally—and minimize spread of the virus

How Parents Can Keep Kids Busy (and Learning) in Quarantine – from The Atlantic: As American schools close, parents are suddenly faced with the challenge of keeping their children occupied at home. Here are some ideas.

Wirecutter: Our Favorite Educational Apps and Learning Games for Kids

PopSugar: A List of Indoor Activities That Will Keep Kids Entertained While Stuck at Home

Passing the Time

New York Times: Comforting Streaming TV Shows for Stressful Times

Time: A Guide to the Most Calming, Anxiety-Free Content You Can Stream Right Now

NPR’s Fresh Air Archive

Fun for you & for the kids: Monterey Bay Live Web Cams

NY Times: Can I Jog Outside? Is That Drinking Fountain Safe? Exercise in the Time of Coronavirus

Bicycling: How to Ride Safely Amid Coronavirus Concerns

A 20-minute workout is perfect for social distancing – video and tips from the Washington Post

Dealing with stress

Coronavirus anxiety: Why the outbreak feeds worries and five simple ways to reduce coronavirus anxiety

Cleveland Clinic: 5 Ways to Manage Stress During the Coronavirus Outbreak – Tips for preventing a mental meltdown

Anxiety can be a general feeling of apprehension, fear, nervousness, or worry. It can also be a sudden attack of panicky feelings, or fear of a certain situation or object. Learn more about anxiety disorders and treatment options from Medline.

Reprinted from Renaissance Alliance – no usage without permission.

Hurricane Dorian Toolkit: Emergency Prep and Tracking Resources

As we approach the Labor Day weekend, Florida is under a state of emergency as Hurricane Dorian approaches. Today, the storm is a Category 2, but weather experts warn that it holds the potential to develop into a Category 4 when it hits land. It’s still early to project, but landfall is expected late Monday or Tuesday. Everyone is on standby.

We’re deploying resources in a Hurricane Toolkit as a just-in-case. September is National Preparedness Month and, remember, hurricane season lasts thorough November so it’s a handy bookmark. We’ll be keeping an eye on things over the weekend and may add to the resources if evacuations or other emergency measures are needed.

Florida Emergency Resources

FloridaDisaster.org (Division of Emergency Management) is the single best source for information. See specific information on Emergency Information for Hurricane Dorian. You can also visit the sister site for commercial businesses: FloridaDisaster.Biz

On social media, you can find updates from the Florida State Emergency Response Team (SERT) on Twitter and on Facebook

US Coast Guard Southeast on Twitter and on Facebook

Florida Power Tracker

Florida Department of Education – Hurricane Dorian

Florida 511 APP – Get up-to-the-minute, real-time traffic conditions and incident information for the State of Florida with Florida 511 app.

Florida Storms APP – Florida Public Radio Emergency Network

FEMA App

Hurricane Dorian – tracking & live weather coverage

Hurricane Prep & Checklists

Insurance Information Institute: What to do when a hurricane threatens
When the storm approaches, don’t get caught with your windows down

Insurance Information Institute: Hurricane Awareness
Hurricanes can shatter lives as well as damage property. Fortunately there are steps you can take to minimize a hurricane’s impact.

Insurance Information Institute: Five Steps to preparing an effective evacuation plan
Disaster readiness will help keep you and your family safe and secure

Red Cross – Hurricane Safety Checklist

FEMA: How to Prepare for a Hurricane

Common sense advice …Before and after a hurricane

Hurricane Preparation Checklist To Protect Your Technology

Taking Care of your pets during hurricanes & floods

FDA Offers Tips about Medical Devices and Hurricane Disasters

Food and Water Safety During Power Outages and Floods

Red Cross Free Emergency Apps – includes a hurricane app, first aid, and many other useful apps.

Reprinted from Renaissance Alliance – no usage without permission.

Drowning prevention tips from parents, for parents (and anyone who cares about kids)

Do you have kids? Or grand-kids? Or nieces and nephews? If so, this post is for you – it has valuable information about keeping those beloved kids safe in and around water. And even if you don’t have kids yourself but you simply frequent pools and beaches in the summer, we encourage you to take note, too. We offer useful tips to keep kids safe from people who know.

First, we point to a popular prior blog post that contains useful information that many people didn’t know: ” We are conditioned by movies and pop culture to think that a drowning person would yell and wave for help and splash violently to get attention. In reality, drowning is a quiet, desperate event – so quiet that every year, children die in pools and water just feet away from parents or friends who do not recognize the signs of distress.”

Drowning doesn’t look like what we see in the movies

We’ve also recently come across a few useful articles featuring Moms who offer great advice about protecting kids from downing. One mother, sadly, gained her expertise the hard way after the drowning death of her toddler. The other Mom gained her expertise in her job investigating drowning deaths as her job.

In A Layered Approach to Preventing Drowning, Nicole Hughes shares her sad experience and the lessons she learned from her 3-year old son Levi’s drowning death:

“Our son drowned when there were six physicians in the room, 12 adults, 17 kids,” said his mother, Nicole Hughes, a writing teacher and literacy coach in Bristol, Tenn., who now works extensively in drowning prevention, including with the American Academy of Pediatrics.

“Everything I read about drowning before Levi died, it was like background noise,” Ms. Hughes said. “We think it’s happening to neglectful parents” who don’t watch their children when they’re swimming. But as she learned after Levi’s death, for most toddlers who drown, it doesn’t happen in the context of time spent “swimming” — that is, time they’re known to be in the water. And drowning is the leading cause of preventable deaths in children from 1 to 4.”

In addition to offering great advice for parents to raise awareness, the article also points to a helpful  Drowning Prevention Toolkit from American Academy of Pediatrics.

The second article offers water safety tips for parents from Natalie Livingston, a Mom who investigates drownings in her role as vice president of Oostman Aquatic Safety Consulting. She knows what she is talking about – she “spent 25 years as a lifeguard and worked as the general manager of a water park for 10 years. She trains lifeguards, consults in both private and public operations, and is hired as an expert witness in drowning cases.”

Livingston lists 10 in-depth, practical tips with advice that you might not think about, tips that she applies to her own children. For example, would you think to teach your child how to escape the grip of a struggling, panicked person? Or raise awareness about water depth in practical terms they can understand? Those are among the many lessons she offers.  You can also follow Livingston on Facebook at Aquatic Safety Connection for more tips. Her tips have gone viral online, and she was recently featured on Good Morning America. Take the time to check them out!

In addition to Livingston’s tips, the article offers these additional water safety recommendations:

  • Swim Lessons Save Lives
  • Learn CPR — Drowning patients need oxygen — give air first!
  • USCG approved lifejackets only — no arm floaties or inflatables
  • Designate A Water Watcher / Swim with a Lifeguard
  • Always use pool barriers and layers of protection
  • Enter the water feet first
  • No running
  • Stay hydrated / protect yourself from the sun
  • No drugs / alcohol
  • All water is dangerous — even inches
  • Always swim with a buddy
  • Lost / Missing kids — always check the water first

See related posts on pool safety:
Swimming pool and spa safety issues and insurance coverage

Pool & spa owners: Minimize your risk with simple steps for safety

Reprinted from Renaissance Alliance – no usage without permission.

Heat wave: How to keep your cool

Are you ready for the upcoming heat wave? More than 170 million people in the US are now under heat alerts for the coming weekend. Excessive heat is not just an unpleasant nuisance – it can be downright dangerous. The CDC says that, on average, 658 people a year die from heat-related illnesses. In the 1995 Chicago heat wave, more than 700 people died!

Take steps to prepare and plan for the weekend ahead. Here are some tips we’ve gathered from experts on how to minimize the effects of the heat.

  • Cover windows that receive morning or afternoon sun.
  • Take it easy – avoid strenuous activity in the heat.
  • Plan outdoor activities for the early or late part of the day. Stay indoors and out of the sun in the heat of the day.
  • If you don’t have AC, plan activities in public places that are cool: movie theaters, museums, libraries, malls and other air conditioned public or entertainment places. Make a trip to your favorite local swimming hole or pool to beat the heat, but keep an eye out for thunderstorms and make sure you use sunscreen.
  • If you can’t get to a pool, take cool showers or bath. Splash yourself with cool water or soak your feet and ankles in cool water. Apply cold, wet towels on the neck, wrist, groin and armpit.
  • Hydrate, hydrate, hydrate – drink plenty of water. Keep alcohol intake low – while it might make you think you feel better, alcohol is actually dehydrating. Plain water is the best.
  • Wear loose, cool, light-colored clothing. If you go outdoors, wear a hat and sunglasses and use sunscreen!
  • Eat light, easily digestible dinners. Be careful about salty foods. Avoid using ovens or appliances that generate heat. If you cook, use a microwave or outdoor grill.
  • Take care of your pets – don’t let them get overheated or dehydrated.
  • Check in on elderly relatives or neighbors to make sure they are OK.
  • If your power goes out, check with local emergency services to find emergency cooling centers.
  • Never, never, never leave children or pets in a car alone – even for a few minutes.
  • Know the symptoms of and watch out for heat-related illnesses.

Heat exhaustion, which can be effectively addressed with cooling and careful rehydration, can look a lot like heat stroke, a serious and possibly deadly condition requiring urgent medical attention. It’s nothing to fool around with.

chart with heat illness symptoms

Reprinted from Renaissance Alliance – no usage without permission.

Take the “What the Flood” quiz

How much do you know about flood insurance? Probably very little, unless you’ve had an experience with flooding or your insurance agent has discussed it with you. Check it out – take this quick What the Flood interactive quiz to see if you understand the insurance protection that would apply should common water damage scenarios occur. The quiz is promoted by the National Association of Insurance Commissioners (NAIC), who offer great info on Understanding Flood Insurance.

Here are a few common flood insurance myths

  • Myth: I don’t need flood insurance because I already have homeowners insurance.

Reality. Homeowners insurance rarely covers flood damage – talk to your agent.

  • Myth: I don’t need flood insurance because I don’t live in a high-risk flood zone.

Reality: More than 20% of the National Flood Insurance Program’s (NFIP) claims come from outside high-risk flood areas.

  • Myth: It’s already hurricane season so I am too late to buy flood insurance this year.

Reality. You can purchase flood insurance any time, but it generally takes effect 30 days after purchase for coverage to take place.

Here’s a handy NAIC infographic that shows homeowners vs flood insurance coverage:

Why not have a chat with your insurance agent to find out if flood insurance makes sense for you? Here are some great questions that NAIC offers as discussion points when you talk to your insurance agent about flood insurance.

Reprinted from Renaissance Alliance – no usage without permission.

Know the signs: Stroke can happen at any age

May is American Stroke Month. The recent deaths of beloved filmmaker John Singleton, aged 51 and actor Luke Perry, aged 52, serve as a sad reminder of why awareness of stroke warning signs is so vital. It’s also important to have a response plan for what to do if a stroke is suspected.

Generally, we tend to think of stroke as a medical condition affecting the elderly – and while stroke risk does increase in older years, the reality is that people of any age can suffer a stroke. In fact, health authorities say that the stroke risk for younger people is climbing.

“The deaths of Perry and Singleton underscore the fact that strokes are becoming more common among middle-aged adults. Between 2003 and 2012, the odds of being admitted to a hospital following an ischemic stroke — the most common type of stroke — increased 35.6% among U.S. residents ages 35 to 44. For those 45 to 54, the odds increased 20.5% over the same period, according to a 2017 study published in the Journal of the American Medical Assn.”

It’s important to learn stroke symptoms and act immediately, because with rapid treatment, stroke damage can be limited and the person can have a better chance of recovery. Experts say to think FAST: Facial drooping, Arm weakness, Slurred speech, and Take action, time is vital. The symptoms are ones that we might identify as a stroke in the elderly, but we might not be looking for such symptoms in people who are young or middle-aged. In younger people, these and other common stroke symptoms might be misattributed to intoxication or drug use.

Limit your risk

Here’s some good news: an estimated 80% of strokes in the US are considered preventable. There are two primary types of risk factors for stroke:

  • Uncontrollable factors, such as age, gender, race and ethnicity, family history, a prior stroke and certain health conditions.
  • Modifiable factors, such as high blood pressure, high cholesterol, smoking, a diet high in saturated fats, physical inactivity and obesity.

Learn more about stroke risk factors that are controllable and steps you can take to control them. See also: 7 things you can do to prevent a stroke.

This video depicts an elderly person who is having stroke symptoms and what happens afterwards. It’s well done. Save a life by having a better understanding of stroke and by knowing what signs and symptoms to look for.

Reprinted from Renaissance Alliance – no usage without permission.

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