Emergencies

Prepare Now for Future Emergencies

September 15, 2022
by Team SESLOC

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September is National Preparedness Month, part of an effort by the Federal Emergency Management Agency (FEMA) to raise public awareness and inspire disaster readiness. Most communities could be impacted by some type of natural disaster, whether it’s a wildfire, hurricane, tornado, earthquake, or flood.

Here are some tips to help keep your family safe in an emergency and allow you to leave quickly with the items you need most. Gather important documents that may be difficult or impossible to replace. These are some examples, but you may want other documents as well.

  • Insurance policies, banking and financial account information, and account numbers
  • Identification such as driver’s licenses, passports, birth and marriage certificates, and Social Security and Medicare cards
  • Contracts, wills, deeds, and recent tax returns
  • An inventory of your household possessions

In case you are not home when a disaster strikes, consider storing electronic copies of critical documents on a thumb drive or encrypted in the cloud. You might also want to keep the thumb drive and/or original documents in a fireproof safe or a safe-deposit box.

Assemble a disaster kit with basic necessities for your home. Include nonperishable food, bottled water, first-aid supplies, flashlights, an emergency radio, extra batteries, a wrench or pliers to turn off utilities, and a whistle to signal for help. With ongoing concerns regarding COVID-19, make sure to add face coverings, soap, hand sanitizer, and disinfecting wipes to your emergency kit.

Have a list of items to take with you. Start with your home disaster kit and critical documents. Remember to take prescription medications; clothing and bedding for each household member; computer hard drives, laptops, tablets, mobile phones, and chargers; eyeglasses; photos; and special food or other items for children, disabled or elderly family members, and pets.

Plan where you will go if you must evacuate. Will you stay with friends or family in another town, or head to a hotel or a community shelter? Map out a route to your destination as well as an alternate route if roads are blocked or impassable. Identify a safe place to meet if family members become separated. Choose a family member who lives elsewhere to serve as an alternate point of contact. Check the settings on your mobile phones to make sure emergency alerts and warnings are enabled. Practice packing up and leaving your home in 10 minutes or less.

Be sure you have appropriate insurance. The coverage you need depends on the kinds of disasters most likely to affect your home and community. Damage from some natural disasters, such as wildfires, hurricanes, and tornadoes, is generally covered under your homeowners policy, up to policy limits. However, damage from floods and earthquakes typically requires separate policies. Contact your insurance agent to discuss appropriate coverage.

For more information from FEMA, see ready.gov/be-informed and ready.gov/plan.

 

 
 

SESLOC members have access to our knowledgeable CFS* Financial Advisor, located at SESLOC Federal Wealth Management »


 

Prepared by Broadridge Investor Communication Solutions, Copyright 2022.

SESLOC Wealth Management is provided through our relationship with CUSO Financial Services, L.P. (CFS)* an Independent Broker-Dealer and SEC Registered Advisor formed for the express purpose of serving Credit Union member’ investment and financial planning needs.
*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including potential loss of principal. Investment Representatives are registered through CFS. SESLOC has contracted with CFS to make non-deposit investment products and services available to credit union members. CFS and its representatives do not provide tax advice. For specific tax advice, please consult a qualified tax professional.

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