When people think about disaster striking their home and preparing for that potentiality, they usually think about setting up a rainy day fund. (Which is a name which can take on quite an awkward air if the disaster that strikes your home happens to be a flood!) But a lot of families these days don’t save up a lot of money. This is usually because people aren’t thinking ahead as much as they should be. But it may also be that they’re preparing for disaster in other ways.
While saving up some kind of emergency fund is a good idea, it’s important to understand that there are other things you need to have in place. You need particular resources, as well as a plan, to help prevent an elemental disaster doing more damage than it has to.
We’re going to take a quick look at the things you need to consider if you’re worried that a disaster may damage your home in the future.
A lot of people have home insurance already, but they’re not aware of how much – or, rather, how little – is actually covered by their chosen policies. Saving up money is all well and good, but the right insurance is going to help offset the costs of disaster in a big way. With this in mind, you need to review your policies to make sure that they will actually cover you in events such as a flood. If you’re in a particularly vulnerable area, you may need to buy specific insurance for that potentiality.
Look out for warnings
Elemental disasters – the kind that really do damage to people’s property – rarely come out of nowhere. There are usually signs that something bad is going to happen, which should allow families enough time to get prepared. There are maps that track severe weather that many families will find useful. Keeping an eye on the news can be useful, but ideally you’ll be notified in some way by your municipal council. See if you can sign up for email updates from your council, which will allow you to see such warnings as soon as possible.
Know where everyone is
Where are all the adults of the house? Where are the kids? Where are the pets? It’s essential that you get everyone together and in sight if there’s trouble brewing on the horizon. Mobile phones definitely help us keep in touch, but they’re also useful for general tracking. For example, you can get child monitoring software that helps you track your children’s locations if they have a smartphone. Needless to say, this can be extremely useful and reassuring if a natural disaster is incoming.
Equipment and supplies
When disaster strikes, you may find yourself unable to leave your house for a while. And even if you can, you may find that local businesses are closed, or that ecommerce businesses are unable to deliver things to your address. This is why having an emergency supply of food and water is always a good idea, and having equipment such as batteries, flashlights, and additional clean clothing is a must.