With all of the extreme weather we’ve been experiencing lately, you could be forgiven for thinking that maybe the Mayans were just a year off with their apocalyptic prediction. There have been floods, hurricanes and most recently, snowstorms battering the nation from every angle. If you don’t have coverage for extreme weather, you might be thinking that now’s the time to get it. Let’s take a look at what disaster risk measures you can implement to protect against the damaging effects of America’s extreme weather events.
Assess
The first box to tick on your disaster risk checklist should be to assess whether certain types of extreme weather are likely to affect you. Make sure precious items aren’t stored in your basement or any other area of the house that may be affected by flooding. If you do live in an area that could be affected by extreme weather events then you may want to think about getting the appropriate insurance coverage.
Plan
If you’ve assessed the disaster risk for a particular weather event, the next step is to talk to your advisor to help develop the most effective risk management plan. If you live in a flood plain and you’re purchasing flood insurance, your premium may be high, but it will be worth it when the time comes to make a claim. You can prepare for freezing weather and snow by making sure your car is equipped with the necessary safety items such as extra washer fluid, jumper cables, bungee cords, electrical tape, sand/salt, shovel, tow straps, and a flashlight.
Engage
Once you have a disaster risk plan and have implemented it, don’t assume the job is done. You must regularly assess the integrity of your plan, home, and auto to make sure they are in the best shape possible to withstand an extreme weather event.
As we’ve seen over the past few months, weather is unpredictable. A disaster risk plan is a must if you live in an at-risk area. The main thing is that you and your loved ones are safe and protected against every eventuality.
If you need help with your risk management planning, Gibson can help. Contact us here
