Insurance Home Disasters

FEMA: Hazard Mitigation Disaster Advice is Crucial After a Flood

In the wake of a flood, information becomes as important as food and water to disaster survivors, as well as aid needed to recover.

That’s why the Federal Emergency Management Agency (FEMA) Hazard Mitigation Advisor is available at the Disaster Recovery Center (DRC) to meet with applicants individually, offering advice on a range of preparedness and hazard mitigation topics, including: how to properly and safely do clean-up after a flood, how to prepare and protect a home from future disasters, and how to apply for insurance through the National Flood Insurance Program (NFIP).

Being prepared is a crucial part of disaster mitigation, whether it’s purchasing flood insurance, house-elevation in a floodplain, or clearing flammable or toxic materials from around the home before a disaster hits.

FEMA’s Hazard Mitigation Advisors, when talking with disaster aid applicants after a flood, will ask two necessary questions: what was the water’s depth and how long did it sit there? Long after flood waters subside, there can still be hidden hazards inside a home, such as mold, and there are safe and unsafe ways to approach clean-up. Hazard Mitigation Advisors are always ready to listen to a disaster survivor’s story, and it helps them evaluate needs when applicants have photographs to show.

FEMA also has a number of publications available, offering important information to applicants on specific steps one should take when cleaning-up a flood-damaged home, or how to safely clean up mold.

“Repairing Your Flooded Home,” “Mold and Mildew,” “Helping Children Cope with Disaster,” and “Answers to Questions about the NFIP” are just a few of FEMA’s publications available at DRCs.

Travel Insurance and Natural Disasters - Home Improvement Plans

(PRWEB) January 7, 2005

Recently there have been many questions about travel insurance and natural disasters and whether or not coverage exists for these “acts of God.” John Cook, President of QuoteWright.com a division of the BC Group, LLC., explained recently that there are many travel insurance policies and that most of them will respond to these types of emergencies. Perhaps the most popular type of travel insurance are the “Package” plans that are pre-bundled by insurance companies and sold as a Package of coverages. Coverages contained in these packages will vary from policy to policy even within the same insurance company. Some of the coverages will pay for losses due to a natural disaster. Here are some of the more popular coverages found in Package Policies and how they may respond:

Trip Cancellation/Interruption: Usually not covered. Trip Cancellation/Interruption is named “peril” coverage and most policies do not include the “peril” of natural disaster. Those that do will require that the disaster causes your home or destination to be uninhabitable. Natural disasters that are caused by weather are also covered by some policies as long as your common carrier is delayed or cancelled as a direct result.

Travel Delay: Most policies will cover travel delays (additional living expense) due to a natural disaster. This coverage is also named “peril” coverage and most policies include natural disasters as a “peril”.

Medical Expense: Most travel medical coverages are broad coverages and will cover medical expenses due to injuries sustained as a result of a natural disaster.

Emergency Medical Evacuation: Same as medical expense. Generally this a broad form of coverage that will pay for Emergency Medical Evacuations caused by either injuries or sicknesses as a result of a natural disaster. This coverage usually also provides for the shipment of mortal remains and sometimes will pay for a family member to join an injured client.

2011 had record-breaking disasters: Do you need home insurance more than ever?

TheNews_ 2011 Had Record-Breaking Disasters: Do You Need Home Insurance More Than Ever?

: 2011 had record-breaking disasters #insurance

2011 Had Record-Breaking Disasters: Do You Need Home Insurance More Than Ever? - FOXBusiness: The Natio...

2011 Had Record-Breaking Disasters: Do You Need Home Insurance More Than Ever?

Home

Returning to Gilead to care for her dying father, Glory Boughton, the daughter of John Ames's closest friend, is joined by her long-absent brother, with whom ...

Home, A Memoir of My Early Years

Featuring over fifty personal photos, many never before seen, this is the personal memoir Julie Andrews' audiences have beenwaiting for.

Insurance for Dummies

Explains how to buy and save on every kind of insurance, including life, health, auto and home insurance, and offers tips on how to get the best coverage for ...

Disasters, Natural and Man-Made Catastrophes Through the Centuries

A history of 10 well-known disasters--from the great Chicago fire to Hurricane Katrina--explores the causes and effects of the devastation as well as with the ...

The new life insurance investment advisor

"For anyone who needs to understand different types of life insurance, as well as considerations forpurchasing and managing policies, this book should be on ...