Hurricane Irene Preparation Tips From Travelers|BrooklynCovered

Re: Hurricane Irene Preparation

As Hurricane Irene approaches our area, we wanted to make sure you and your customers were aware of the steps you can take to stay safe and our claim response plans as the storm approaches.

I, along with all the other Travelers independent agents across this great nation, received the following information about preparing for Hurricane Irene. Normally, the content you’ll find in BrooklynCovered is my own, but in situations such as this, I trust you’ll forgive me for cutting and pasting some extremely important information.

To: Travelers Agents in New York

Re: Hurricane Irene Preparation
 
As Hurricane Irene approaches our area, we wanted to make sure you and your customers were aware of the steps you can take to stay safe and our claim response plans as the storm approaches.
 
Safety for individuals
 

  • Create a disaster plan. Plan an evacuation route in advance and determine where you would go if you were told to evacuate.
  • Prepare a survival kit. Stock up on drinking water, non-perishable goods, a first-aid kit and medicine for everyone including your pet. Include extra clothing, blankets, batteries, flashlights and a portable radio.
  • Conduct a home hazard hunt and make your home as safe as possible. Secure all outdoor objects such as garbage cans and lawn furniture. Close storm shutters and board up all windows.
  • Review how to shut off utilities in an emergency with all family members.
  • Locate important papers and documents and have them ready to take with you should you need to evacuate. Protect documents in plastic storage bags if you’re remaining in your home.
  • Make sure you have insurance policies with claim contact information, an inventory of your home’s contents and cash.
  • Ask an out-of-state friend to be your family contact. After a disaster, it’s often easier to call long-distance than to make a local call.
  • Finally, leave promptly when ordered to evacuate. Leaving too late or not leaving at all only endangers yourself and others.

 
Safety for businesses
 
In addition, you and your business insurance customers should consider taking the following precautions to help protect people and property and guard against disruption of operations:
 

  • Review your business continuity plan and communicate emergency evacuation and business interruption instructions to employees. If you don’t have a written plan, now is the time to create one. Each business should have an emergency plan including a detailed procedure for evacuation, a checklist for shutting down processes and protecting buildings, contents, equipment, and yard storage. Procedures should include salvage instructions to follow post-event.
  • Back up critical data and computer records off-site so that operations can continue after a disaster. Consider keeping a backup generator and plenty of batteries on hand so your business can continue to operate after a power loss.
  • As a hurricane approaches, quick actions should to be taken to install temporary protection features including:
  • Shutter or board up windows to protect them from flying debris
  • Clean out floor drains and catch basins to ensure maximum drainage
  • Anchor structures, trailers and yard storage so they are more likely to stay put in high winds
  • Fill emergency generator and fire pump fuel tanks
  • Shut down production processes safely
  • Shut off all flammable and combustible liquid and gas lines at their source
  • Shut off electrical power at the main building disconnect before the hurricane strikes
  • Once the storm has subsided and it is safe to return, a salvage team should be assembled and repair work prioritized, assuring proper supplies are available and safety procedures followed.
  •  

    Rain, Rain, Go Away…From The House|BrooklynCovered

    This video, the latest in the “Just Thought You’d Like To Know” series, uses a paper house and soda straws to demonstrate how best to carry water away from your home before the next “rainstorm of biblical proportions.”

    Gus the Roofer, Keith Huggins of Pusky Plumbing, and Curtis Godoy of Curtis Home Improvement are just a few of the most competent and reliable tradespeople I’ve ever had the honor of meeting. In fact, they’re the gentlemen I call to do work in my mothers house, so you know they must be good.

    This video, the latest in the “Just Thought You’d Like To Know” series, uses a paper house and soda straws to show how best to carry water away from your home before the next “rainstorm of biblical proportions.” Making “Rain, Rain, Go Away…From The House”, is no joking matter.

    This video was produced before the East Coast Earthquake and Hurricane Irene’s decision to pay a visit to the entire East coast of the United States.  In some of my upcoming videos and written blogs, I’ll be featuring some of the people every property owner should have on speed dial. 

    Gus the Roofer, Keith Huggins of Pusky Plumbing, and Curtis Godoy of Curtis Home Improvement are just a few of the most competent and reliable tradespeople I’ve ever had the honor of meeting. In fact, they’re the gentlemen I call to do work in my mother’s house, so you know they must be good.

    Here are two (2)  important tips: First, make sure you purchase and install a good sump pump with sufficient capacity for the area you want to protect from interior floods. A good place to purchase these pumps are Flatbush Hardware (Flatbush Avenue and Saint Marks Place in Brooklyn, NY), and of course, your local Home Depot and Lowes stores. Take time to ask questions so you’ll be sure to buy the pump you  need.   

    My second tip? Go to your local pet store and pick up a bag or two of the doggie wee-wee pads. These pads hold a tremendous amount of water, and can supplement buckets and pails should the roof begin to leak. You can use them to keep water from  seeping under your house and garage doors. Again, because of the amount of water they absorb and hold, they are a better alternative to rolled-up towels.

    Get Ready For Irene|BrooklynCovered

    “No matter where Hurricane Irene makes landfall, if she does so as a Category 4 Hurricane, she’ll be packing winds ranging from 131 to 155 miles per hour. The potential for damage from a hurricane like this is extreme.”

    Cue Winston Desmond…Or is it Desmond Winston?

    Tony Powell, the original “Soul Man” of the Imus in the Morning radio show has several laugh out loud characters he plays. One of my favorites, (along with Congressman Charles Rangel), is when he imitates a proud Jamaican. When Imus introduces him, he always says, “Everyting irie, I-man, everyting irie.”

    Well get ready because Hurricane Irene is coming, and we don’t really want the everything she’s bringing. The National Weather Service is projecting a storm track where Irene will “kiss” Bermuda (talk about your weather cooties).  According to the experts, while the entire east coast will be affected, Irene will probably make landfall anywhere from Miami, Florida to North Carolina.

    Yeah, right.

    To quote the Weather Girls,  have I got news for you. Based on the rainfall of biblical proportions we’ve “enjoyed” here in the New York Metropolitan area, Irene is coming to New York. Why, you ask? Gee, I don’t know. Maybe she wants to see “Memphis” on Broadway.

    No matter where Hurricane Irene makes landfall, if she does so as a Category 4 Hurricane, she’ll be packing winds ranging from 131 to 155 miles per hour. The potential for damage from a hurricane like this is extreme.

    Gee, no kidding.

    Folks, if you haven’t done so already, it’s time to prepare.

    Your home

    In  my of recent video posts, I demonstrated, using a little paper house, several of the ways to move water away from your home. Take the time either today or tomorrow to perform the following checks:

    1. Make sure your gutters are absolutely clear of any and all debris. Anything in your gutter will serve to impede the flow of water toward the downspout. You can go to your local hardware store, Home Depot, Lowes and buy mesh-like covers and screens which attach to your gutters. These devices will allow water to flow through and leaves, branches, baseballs, and beer cans to fall off the roof.
    2. Check to make sure your gutters are firmly attached to the roof. And make sure those roof edges are sealed or else water could seep under the shingles and into the house.
    3. Make sure the downspouts are also clear. And install a mesh screen in open downspout openings.
    4. Add at least a 2-3 foot or even longer extension to the end of each downspout not routed directly into your main drain or drywell (And when’s the last time you had them checked or cleaned?). The further away from the building water is carried, the better.
    5. Check the landscaping around your home. Make sure the land, ground or cement which meets the walls of your home slopes away from the house, not towards it. It doesn’t make sense to do numbers 1-4, only to have the water pool around the foundation so it looks like you’re having folks over for a pool party.
    6. If you own the type of home which sits on a slab, and/or has a roof attached to the walls by clips, check to make sure these connections are tight and waterproof. Hurricane Andrew, the Irene of 1992, showed too many people their houses weren’t as well constructed as they thought.
    7. Sump pumps. Every home should have at least one sump pump.  Just one thing – test it/them to ensure operational integrity. In other words, make  sure it/they work.
    8. Inspect your roof and make temporary repairs to loose shingles, cracked tar paper and similar defects. Or, even better, secure a tarp to the roof.
    9. Hopefully, you’ve purchased flood insurance, and are past the normal 30-day waiting period. Should the flood waters rise, the land fall, or the mud slide, you’ll be glad you bought it.

    You And Your Family

    You and your family must have a family emergency plan. While you’ll find a more detailed list at www.Ready.gov (click on Get A Kit and Make A Plan), here are some basic ideas:

    1. Each family member should know exactly where everyone will reunite after a disaster.
    2. If you can’t use the first designated spot, make sure you have a backup site where you’ll meet.
    3. Know how to get out of your home and neighborhood. And practice using these escape routes.
    4. Have an out-of-state friend  or relative everyone can call to tell of their well-being and location.
    5. Purchase a water and fireproof security chest or safe and keep copies of your important documents there. When at all possible, keep originals in a safe deposit box.
    6. Make copies of the front and backs of all credit and debit cards, and drivers licenses.
    7. Have emergency cash, if the ATMs are not functioning.
    8. Make sure every family member has a Go Bag. Go to www.Ready.gov to see what should be in your bag.
    9. Prepare a stash of emergency supplies for your home. For example, non-perishable canned foods, one gallon of water for each person for each day for at least 4 days. Some other items are a first-aid kit, flashlights and extra batteries, whistles, toothbrushes, toothpaste, soap, and feminine hygiene products.

    You’ll find videos on preparing for emergencies at https://insuremeeg.com/Emegency_Preparedness.html. Actively use this information and you and those you love will increase your chances of better surviving a local or national disaster.

    And about the earthquake we had earlier, I apologize for making the earth move as I did. Carry on.

    Two People Who Want To Kill Their Infant|BrooklynCovered

    And the sad part? These two should-have-never-been-able-to-conceive excuses for parents would demand their insurance company provide the best care for their infant. As the child grew, they would demand the public school system provide the best possible education for their child. They would probably also demand their state and local legislators change existing estate planning laws re: Special Needs Children just so their child would benefit from greater access to lifelong services and funding.

    Some Parents Treat Their Children Like They’re A Major Inconvenience

    So, there we were, myself and Salvatore Cataldo, owner of the soon-to-be world-famous Cataldo’s Italian Restaurant and Pizzeria (www.cataldos54.com), at 564 Vanderbilt Avenue, standing outside of his restaurant this morning, Sunday, August 21, 2011 at approximately 11:20 am.

    The sun shone brightly (the biblical rain I am listening to outside my window wasn’t falling this morning), and as Sal and I spoke, I saw what can only be described as the complete disregard for an infants well-being by what passes for parents today.

    Heading north on Vanderbilt Avenue were two couples, and both fathers were responsible for transporting their babies on their bicycles. The second father was doing everything right. The child wore a protective helmet of the proper fit and size. The child was also secured in a protective bicycle seat. Even better, both Dad and Mom were wearing bicycle helmets. Great.

    It was, however, Dad and Mom number 1 who made me want to run out into the street and snatch their child from their stupid grasp.

    Dad number 1, you see, was carrying what looked like an infant in one of those cloth baby carriers. You know the kind I’m talking about. They’re made of cloth and designed to support the infant’s head while allowing their little arms and legs to move. Something you wouldn’t put a child older than one year of age in. They provide absolutely no protection in an accident. Worse yet, the little infant lacked any form of head protection.

    Breaking The Law, Breaking The Law

    Article 34, section 1238 of the New York State Vehicle and Traffic Law is quite specific about the minimum age of passenger on bicycles. It states;

    Section 1238. Passengers on bicycles under one year of age prohibited; passengers and operators under fourteen years of age to wear protective headgear.   1. No person operating a bicycle shall allow a person who is under one year of age to ride as a passenger on a bicycle nor shall such person be carried in a pack fastened to the operator. A first violation of the provisions of this subdivision shall result in no fine. A second violation shall result in a civil fine not to exceed fifty dollars.

    2. No person operating a bicycle shall allow a person one or more years of age and less than five years of age to ride as a passenger on a bicycle unless: (a) such passenger is wearing a helmet meeting standards established by the commissioner. For the purposes of this subdivision wearing a helmet means having a helmet of good fit fastened securely upon the head with the helmet straps; and

    (b) such passenger is placed in a separate seat attached to the bicycle and such seat shall have adequate provision for retaining the passenger in place and for protecting the passenger from the moving parts of the bicycle.”

    “So What?”  You Say?

    Let’s imagine the worst. Both child-carrying Dads crash or fall because of  some obstruction on the roadway say,  a stone, a stick, a slippery metal road covering because of ongoing sewer rehabilitation. Even worse, they collide with a Distracted Pedestrian who’s watching a movie, texting or talking while walking.  Now Dad number 2 and his child may suffer some nicks and cuts, but should avoid suffering permanent damage to their brain cells.

    Dad number 1 and his child would be a different story. The baby would have a higher chance of suffering permanent brain damage, not to mention the loss of use of one or more of its limbs. Or, the infant would die.

    And the sad part? These two should-have-never-been-able-to-conceive excuses for parents would demand their health insurance company give the best care for their infant. As the child grew, they would demand the public school system provide the best possible education for their child. They would probably also demand their state and local legislators change existing estate planning laws re: Special Needs Children just so their child would benefit from greater access to lifelong services and funding.

    Here’s What I Say-Deny, Deny, Deny.

    Now, to his credit, Sal was trying to calm me down. Then  I gave him the reality of increased health care costs because these two “parents” didn’t love their child enough. Add to that the resources that might go to this child due to his parents foolishness, which could lead to higher taxes for us. And let’s not downplay the effect a liability suit could have on both the cost and availability of certain insurance coverages

    And worse, the danger those parents placed their infant child in.

    So here’s what I say: Deny.

    Deny them the right to receive any medical benefits for their child.
    Deny them the right to receive anything but the most basic education for their child, unless they pay for it from their own pockets.
    Deny them the right to sue the city and/or utility or private firm for their failure to properly cover road hazards.
    Deny them the right to sue the Distracted Pedestrian, or the driver of the car which strikes them by accident (Come on,  if they’re this dense, you know they’re running red lights on their bikes).

    I do demand the law be changed. The civil fine for the first violation should be no less than one thousand dollars ($1,000.00). For a second violation of any part of the law, twenty-five hundred dollars ($2,500.00), and the impounding of their bicycles until they prove the child is properly protected and of age to be a bicycle passenger. A third violation? Removal of the child from the parents. Why? They are clearing demonstrating they love to bike more than they love their child.

    Sal, once he helped me get my blood pressure down to a reasonable level, put it all into perspective. “My friend,” he said, “I can almost guarantee you nothing will ever happen to that kid. The kid whose parents do all the right things, that’s the one who will suffer. That one, nothing  will ever happen to it. And that’s the way it is.”

    Let’s pray he’s right.

    error: Content is protected !!