Post by Spinebuster on Apr 21, 2017 8:02:36 GMT -5
So it is just over 1 month away before the Atlantic Hurricane season officially starts. Just wanted to remind everyone that not every potential threat can be handled by a suitable application of ordnance. So go and check your supply bins to make sure all your stored food and medicines are not expired. Rinse out the water jugs and refill them. Break out the generator and run it a bit to make sure it still works.
Some of you know that I work in insurance. I suggest that everyone pull out their policies and look them over. Find the section that says Hurricane deductible and look at that number. If it is a fixed dollar amount (i.e $500, $1000, $2500) then in the event your home is damaged that is what you will pay. If it is a percentage (i.e. 2%, 5%) then look at your Coverage A (Dwelling) amount and do the math because that is the cost of your deductible. For example if your Coverage A is $250,000 and Hurricane deductible is 2% then your out of pocket expense for damage that a hurricane does to your home is $5000.
Something else I am doing is that I have recently become involved with an organization that works to create economic freedom and promote individual liberty. One of the things they do is have programs that work in low income communities to help them learn to be more self sufficient and less dependent on government. I am going to help them develop a class on emergency preparedness and how to do so over time on a very limited budget. My hope is that these are the people that are most likely to depend on a government response in a disaster and do not understand that it can be days after the event before help can reach them so by teaching just a handful how to be prepared for the first few days after that it will show them that they can do this in other areas of their life. At the very least it will be some folks I will not have to worry about coming for me and mine in a disaster event.
So get ready. Storm season is on its way.
Some of you know that I work in insurance. I suggest that everyone pull out their policies and look them over. Find the section that says Hurricane deductible and look at that number. If it is a fixed dollar amount (i.e $500, $1000, $2500) then in the event your home is damaged that is what you will pay. If it is a percentage (i.e. 2%, 5%) then look at your Coverage A (Dwelling) amount and do the math because that is the cost of your deductible. For example if your Coverage A is $250,000 and Hurricane deductible is 2% then your out of pocket expense for damage that a hurricane does to your home is $5000.
Something else I am doing is that I have recently become involved with an organization that works to create economic freedom and promote individual liberty. One of the things they do is have programs that work in low income communities to help them learn to be more self sufficient and less dependent on government. I am going to help them develop a class on emergency preparedness and how to do so over time on a very limited budget. My hope is that these are the people that are most likely to depend on a government response in a disaster and do not understand that it can be days after the event before help can reach them so by teaching just a handful how to be prepared for the first few days after that it will show them that they can do this in other areas of their life. At the very least it will be some folks I will not have to worry about coming for me and mine in a disaster event.
So get ready. Storm season is on its way.