The news is filled with stories of natural disasters and the homes destroyed by them. Many are unforeseen events. Many families think that it will never happen to them or do not have enough time to come up with a plan. Although your home may never be destroyed by a hurricane, there are other possible natural disasters that can affect you such as fires, floods, and storms.
MAKING A DISASTER PLAN IS ESSENTIAL
Do not be caught off guard by a home disaster. It is important to be proactive about disaster preparedness as well as recovery. Making an emergency plan is a great way to ensure that everyone in the family knows what to do if you are suddenly faced with a disaster.
A good disaster plan starts with having the right information available in an easy-to-access form. Before disaster strikes, you should store the following information online or in a safe location where you can access it easily:
Once you begin your plan, the Federal Emergency Management Agency is a great place to go for information. As a homeowner, it is critical that you make the time to create a sufficient and well thought-out plan for your home. Be sure that everyone in your household knows and understands escape routes, meeting points and other information about the plan. Hold drills during the day and during the early-morning hours to ensure that everyone can execute the plan successfully.
STATISTICS OF UNPREPARED AMERICANS
The National Association of Insurance Commissioners or NAIC’s national survey revealed that 48 percent of Americans do not have an inventory of their possessions. Of those who had an inventory, 32 percent did not have pictures and 58 percent did not have receipts. Forty-four percent did not have their information stored in a remote location. NAIC President stated that creating an inventory and storing it in a remote location is one of the most basic and effective disaster preparedness steps.
There is also confusion regarding an actual cash value policy versus replacement cost insurance. Cash value is cost after depreciation. Replacement cost insurance pays the homeowner what it takes to restore the items that are lost.
As you and your family create a Home Disaster Recovery Plan, put J&M Keystone on your list of emergency contacts. J&M Keystone has been restoring and cleaning properties after damage in San Diego for 30 years. J&M Keystone is a full-service restoration contractor and offers service 24 hours a day, 7 days a week. J&M Keystone handles insurance claims and non-insurance related work. Once you make the call, we will have a professional out to in approximately 60 minutes. Contact us today for help if you have been the victim of a disaster.
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