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GENERAL DISASTER PREPAREDNESS

Don't know where to start? I offer a whole range of ideas. Some of the suggestions here include preparing ahead of time for a specific impending disaster when a warning has been issued, and other suggestions are for general preparedness. For example, having a full tank of gas in your car or filling your bathtub with water is something you may have time to do if a warning is issued, but if disaster strikes without warning you will not have time to do some of these things.

Just because you're a good record-keeper doesn't mean you're a good safe-keeper of records. Can you grab all of your important records in five minutes, if necessary? I didn't think so! Identify a single location to file all crucial papers - preferably a fireproof portable container.


CHECKLIST OF DOCUMENTS TO INCLUDE:
___
Bank account records 
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Birth certificates
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Credit-card information
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Employer benefit statements
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Identification records (driver’s license, green card, passport, etc.)
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Income tax information (past returns, proof of estimated tax payments)
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Insurance policies
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Investment records
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Marriage certificates or divorce decrees
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Mortgage and other loan information
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Report of earnings from Social Security
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Social Security card
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Titles, deeds, registrations for property and vehicles owned
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Trusts
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Wills

 
1.
Create copies now (a certified copy in cases of birth certificates and other crucial documents) in the event that you need them to provide to government agencies.
2.
Put important original documents in plastic covers to protect them and to prevent you from accidentally giving away the original.
3.
Notify the appropriate people where important information will be located, in case you're not available when it is needed. 
4.
As you go through your day, be aware of the kinds of information that you should add to your filing system. Identify a method, such as an index card in your pocket or mini tape recorder in your car, to make notes of new items as they pop into your mind.
5.
Identify the records that you or your financial institutions keep only on computer. Because they may not be available if electrical power fails, make printouts. Collect important personal papers and information related to financial transactions. For example, keep a paper record of insurance premium payments with the policy. A system error may result in showing you as uninsured. 
6.
Create a file of paper-based records of anything you own so you can prove ownership whenever necessary.


CONTACT NAMES (create a hard copy with this information):

  • Power, light, gas or other utility companies
  • Banks and other financial institutions
  • Employer 
  • Insurance agents 
  • Alarm system
  • Doctors
  • Minister, Rabbi, or Priest
  • Neighbors, friends
  • Relatives
  • Social Security Office
STORE COMPUTER BACKUPS IN A SAFE PLACE
If you keep much of your information in electronic format on your computer and a flood carries your computer away, you are up a creek without a paddle! Although these suggestions require some effort and time, imagine the effort and time you would have to expend if you don't do it and something happens to your computer. Here are some practical tips to help you recover from a disaster:
  • Keep a backup of the software program and store it in a safe place -- a fireproof box, a safe deposit box, or another location. Update this backup as you download updates from the Internet. Keep ALL important information in "My Documents" and do a daily or weekly backup of this. I burn a CD with the contents of My Documents regularly, and I keep these CDs in a fireproof box. Zip drives can also be used. For most people, a floppy disc is too small to use anymore.
  • Be sure that family, friends, and appropriate professionals (your attorney, financial planner, etc.) know where to find backups in case you are not able to direct them to important information.

FOOD:

  • Have a five-day supply of food (including some non-perishable food) on hand for each member of your household, including pets. 
  • Have one gallon of water per person per day for up to five days. Keep stored in a cool dark place. Stored water should be refreshed every six months.
  • A full bathtub or hot tub can provide water for flushing toilets.
  • In the event of a power outage, keep refrigerators and freezers shut, and open only when necessary.
  • If power goes out, eat perishable foods first, then canned foods.
  • Have an ample supply of propane or charcoal and lighter on hand for outdoor cooking in the event of a power outage. Never use open flames or charcoal grills indoors, as this may cause carbon monoxide poisoning.

SUPPLIES (for home and car):

  • Flashlights
  • Batteries
  • Blankets or sleeping bags
  • First-aid kit
  • Fire extinguisher
  • Transistor radio and batteries
  • Paper plates, plastic utensils
  • Manual can opener
  • Gas in your car
HOME:
Check regularly to see if these items have reliable battery back-up and are in good working condition:
  • Fire and security systems
  • Programmable thermostats
  • Answering machines/voice mail systems
  • Other electronic equipment that contains battery backups

MEDICINE & HEALTH: 

  • Have at least a five-day supply of prescription drugs on hand if you need them.
  •  If you are on kidney dialysis or need regular medical care, have a plan in place for getting your needs fulfilled.

FINANCES:

  • Keep paper records including your financial statements, insurance, stocks, investments, and Social Security records
  • Have some cash on hand. Keep as much as you feel comfortable with. Be sensible about how much cash you keep at home.

EMERGENCIES:

  • Listen to local radio stations for updates and instructions.
  • Be prepared to relocate to a shelter for warmth and protection during a prolonged power outage or if local officials request or require that you leave your home.
  • Don't call 911 unless you need emergency assistance.
  • Use your time on the phone or on computer modems to a minimum. Leave the lines available for emergency calls.
  • Learn how to turn off your household gas and water. Be sure to have the gas company turn the gas back on so pilot lights can be re-lighted at the same time.
  • Examine smoke alarms now. If yours is hard-wired, does it have a battery back-up? If so, is the battery fresh.

 

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