Author: Mike Causey, Insurance Commissioner
It seems like it was only a couple of weeks ago that people across North Carolina were digging out of a snowstorm. Now, March, which roars in like a lion, is just around the corner.
History tells us that while spring brings warmer temperatures, blooming flowers and greener landscapes, it also brings us the potential for extreme weather. We need to make sure we’re prepared.
Thunderstorms can produce strong winds, heavy rain, flooding, hail and tornadoes. Now is a good time to develop a plan for yourself and your family in case disaster strikes. Having your own family tornado drill so that you’re prepared in case one strikes is a good way to start.
Here are a few other tips:
- Know the difference between a tornado watch and a tornado warning. A watch means weather conditions are favorable to produce a tornado. A warning means a tornado has been spotted.
- If a tornado warning is issued for your area, seek shelter immediately. Go to the basement or storm shelter if you have one. If not, go to an inner room in your house, away from windows. Avoid areas where heavy objects (such as a piano or refrigerator) are on the floor.
- If driving, leave your vehicle immediately and seek shelter in an adequate structure. Do not try to outrun a tornado in your vehicle. Do not stop under an overpass or bridge.
Preparation before a storm is key to increasing the likelihood that you and your family will remain safe and survive a severe storm. It’s also important to make sure you emerge from a storm in good shape financially.
Here are a few tips to help prepare for a disaster financially:
- Make an inventory of the things you own, such as appliances, clothing and furniture. Go room-to-room. Write down the items. Take pictures or videos. Make sure your inventory is stored somewhere you can access should a disaster strike.
- Talk to your insurance agent to make sure you have the appropriate coverage.
- Consider purchasing flood insurance. Standard homeowners’ insurance, renters’ insurance and dwelling policies do not cover damage from floods. However, mobile homeowners’ and comprehensive automobile insurance policies do cover damage from floods. The National Flood Insurance Program has a 30-day waiting period for flood insurance policies to take effect. Waiting to take out a flood policy once a storm or hurricane is in motion will be too late.
The warmer and longer days of spring make it one of the most enjoyable times of the year. A little preparation can help us stay safe and financially secure.