Is Disaster Insurance a Good Thing?

December 28, 2014 by · Comments Off 

The following is a superb article by Liz Pulliam Weston for MSN Money covering the pros and cons of disaster insurance. The original can be found here. Links to Ms. Weston’s web site and newsletter can be found at the end of the article:

The costs and benefits of disaster coverage are tricky to analyze. Weigh these big pros and cons, plus the specifics of your home, your location and your finances. Read more

Emergency Pack

May 2, 2011 by · 1 Comment 

It’s 3AM and a tornado forces you to evacuate your home – fast. There’s no time to gather food from the kitchen, fill bottles with water, grab a first aid kit from the closet and snatch a small flashlight and portable radio from the bedroom. You need to have these items packed and ready on one place before disaster strikes.
Pack at least a three day supply of food and water, and store it in a handy place. Choose foods that are easy to carry, nutritious and ready-to-eat. In addition, pack these emergency items:

  • Medical Kit and First Aid Manual
  • Hygiene supplies
  • Portable radio, flashlights and extra batteries
  • Shovel and other useful tools
  • Household liquid bleach to purify water
  • Money and matches in a waterproof container
  • Fire extinguisher
  • Blankets and extra clothing
  • Infant/toddler needs (if applicable)
  • Manual can opener

Safe Drinking Water

April 25, 2011 by · Comments Off 

In addition to having bad odor and taste, contaminated water can contain microorganisms that cause disease such as dysentery, typhoid and hepatitis. You should purify all water of uncertain purity before using it for drinking, food preparation or hygiene.

There are many ways to purify water on your own. None is perfect. Often the best solution is a combination of methods.

Two easy methods are outlined below. These measures will kill most microbes but will not remove other contaminants such as heavy metals, salts and most other chemicals. Before purifying, let any suspended particles settle to the bottom or strain them through layers of paper towel or clean cloth.


Boiling is the safest method of purifying water. Bring water to a boil for 3-5 minutes, keeping in mind some water will evaporate. Let the water cool before drinking.

Boiled water will taste better if you put oxygen back into it by pouring the water back and forth between two containers. This will also improve the taste of stored water.


ou can use household liquid bleach to kill microorganisms. Use only regular household bleach that contains 5.25 percent sodium hypochlorite. Do not use scented bleaches, colorsafe bleaches or bleaches with added cleaners. Other chemicals such as iodine or water treatment products sold in camping or surplus stores that do not contain 5.25 percent sodium hypochlorite as the only active ingredient should not be used.

Add 16 drops of bleach per gallon of water, stir and let stand for 30 minutes. If the water does not have a slight bleach odor, repeat the dosage and let stand another 15 minutes.

While the two methods described above will kill most microbes in water, distillation will remove microbes that resist these methods as well as heavy metals, salts and most other chemicals.


Distillation involves boiling water and then collecting the vapor that condenses back into water. The condensed vapor will not include salt and other impurities. To distill, fill a pot halfway with water. Tie a cup to the handle on the pot’s lid so that the cub will hang right side up when the lid is upside down (test to make sure the cup is not dangling in the water). Boil the water for 20 minutes.  The water that collects in the cup is distilled and safe to drink.

FEMA Makes Special Effort for Those with Special Needs

March 26, 2011 by · Comments Off 

AUSTIN, Texas — Disasters can be hard for anyone to deal with, but for those with disabilities, illnesses and other special needs, disasters present a real challenge. That is why the Federal Emergency Management Agency (FEMA) waspreparing to help Texans who have special needs even before Hurricane Ike roared across the Gulf Coast on Sept. 13.

Read more

Moving Back Into the Home After Mold Removal

March 25, 2011 by · 2 Comments 

Natural disasters including floods can make our home unsafe due to extensive flood damage and mold removal. It is important to clean all the affected areas of the house thoroughly to make the place safe from any potential health hazards. We must exercise caution when moving back to our home after flood damage to avoid any accident or mishap. The following guidelines can help you in ensuring your safety and well-being before you return to your home following a natural disaster like flood.

  • Steer the place clear of all debris and damp mud as early as possible while keeping your safety on top of the agenda.
  • It is preferable to hose down all the walls, floors, household items including furniture, and other flood affected items that may have accumulated with contaminated water and debris. A wet-and-dry vacuum comes in as a handy tool for this process. Using a detergent solution with hot foamy water can help in scrubbing the items and the affected areas until clear from all debris. For uneven or rough surfaces, try cleaning with the help of a cleaning pad and rinse with cold water several times.
  • Always wear protective clothes and rubber gloves when undertaking the process of cleaning following a flood damage to ensure your safety.
  • Inspect all the possible corners, drawers and other dark places for detecting the possibility of moldy document restoration and mildew restoration as they find a quick and convenient home in places which are damp or wet with excessive moisture and high humidity levels.
  • When you detect mold, always use caution before proceeding to remove these contaminants away from your home. Always wear a face mask or respirator and first check cleaning a small patch of mold. If you suffer from any respiratory problems, then it is best to hire the services of a professional for this job.
  • To remove mold and mildew completely from your home especially after flood damage, it is quintessential to get to the source of the mold. Maximize the air circulation of the house by opening all the doors and windows of the place. Cross ventilation will help in reducing moisture and humidity of the house. Use fans and dehumidifiers to control the excessive dampness in the area. Only then can you make your home seal proof from mold and fungus.
  • Don’t forget to disinfect the entire place affected by mold and make the area clean to prevent mold from returning back to the place.
  • If your household articles like soft toys, pillows or mattresses have become damaged extensively as a result of remaining in dirty flood water, then you should immediately discard and dispose them away at a safe place away from your home to avoid any health problems at a later stage.
  • It is best to discard away a carpet which has become affected with excessive mold growth as cleaning or drying will not remove mold from the carpet.
  • After you are done with the damaged material in your home, next thing is to disinfect your home using a good disinfectant, most preferably with a solution of one and a half cup of household bleach added to one gallon of water.
  • An important thing to be kept in mind after flood damage is to keep the area clean and well-ventilated to make the return to your house safe for yourself and your family.
  • Flood damage can make you stressed and tense. But following these useful tips can help you to recover from flood damage and make your house free from all the potential dangers.

by werry55


About the Author

Isolde Werry distributes information on water issues for Moldy Document Restoration and New Rochelle, NY mold removal


Article Source: Content for Reprint

FEMA – Legal Service

January 30, 2011 by · Comments Off 

As you might guess, the services of lawyers are in very high demand in the aftermath of nearly every natural disaster.  People with damaged homes have questions about their insurance policies.  Landlords and tenants want to know their rights when their properties become uninhabitable due to failures in water and gas lines.  And sadly, scam artists prey on disaster victims who then seek out consumer protection advice in attempts to escape from unconscionable contract provisions.

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Elderly Shelters

January 30, 2011 by · Comments Off 

Taken from the The Yomiuri Shimbun, this article illustrates the state of relocation shelters for the elderly and special needs communities in Japan:

Only 30 percent of municipalities around the country have designated facilities as shelters for the elderly and handicapped during natural disasters, according to a survey conducted by the Institute for Fire Safety and Disaster Preparedness. Read more

Every Family Needs an Emergency Plan

December 19, 2010 by · Comments Off 

The following is taken from a Richmond Register article explaining how critical an emergency plan is. Most striking is the fact that you are 15 times more likely to recover from disaster if you have a plan ahead of time:

“Hope is not a strategy.”

Carl Richards, director of Madison County’s Emergency Management Agency, offered that advice to participants of the “Survive the Crisis” conference Friday sponsored by the Richmond Chamber and Eastern Kentucky University. Read more

Review Insurance Before a Disaster

December 1, 2010 by · Comments Off 

In addition to helping you get organized, planning for a disaster gives you a perfect opportunity to review and update your insurance coverage. First of all, you’ll want to make sure you have adequate homeowner’s insurance. You may also need flood and/or earthquake coverage, depending on where you live. In addition, you should also consider other insurance that would provide for you and your family following a disaster.

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FEMA Aid – Hurricane Ike

October 29, 2010 by · Comments Off 

This article about receiving government aid is a lesson in not taking no for an answer. There’s usually just too much at stake to walk away quietly:

Awaiting a decision about federal recovery assistance in the wake of Hurricane Ike was excruciating, but authorities say if the first application is denied, a second attempt might prove fruitful. Read more

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