Before and After the Storm
How to prepare and how to move to repair
Those of us who know how lucky we are to be Iowans also know how the weather can turn quickly on us with devastating and occasionally deadly results. Just last month, two Iowans lost their lives because of tornadoes and storms damaged many homes and vehicles.
Preparation and having a plan for reaction and repair are the best way we have to deal with the potential impact storms have on our lives. Fortunately, preparation guidance abounds with local, state and federal agencies such as local emergency management organizations, the Iowa Department of Homeland Security and Emergency Management (http://www.beready.iowa.gov/) and the Federal Emergency Management Agency. Following their storm plans will not only protect property, but may save your life.
One tip not typically found on the emergency management pages is an everyday but important step taken by most of us, getting the right level of insurance protection and knowing how to access your insurance information, even after a storm. Storms can crush houses, destroy cars, blow away and ruin belongings, and disrupt our lives in many ways, but it will be possible for us to bounce back if we have included insurance protection in our planning process.
Reacting to a loss and preparing for repair present an entirely different, though connected, process. Some should occur right away or as soon as possible: Insurance Commissioner Nick Gerhart offers the following suggestions to victims of storms: