Are You Prepared For a Disaster?

September Represents National Preparedness Month

Are you prepared for a disaster? Recent articles online, in the newspaper and commercials on televisions remind us that disasters are just a moment away. It is easy to think that’s a good reminder, yet fail to act on our preparedness. The fact is: disasters happen. It’s best to learn the skills & be prepared.

Ready.gov does a great job at summarizing how to prepare for disasters and teaches simple skills you should have that could help you or your loved ones if a disaster strikes.

What’s Your Plan?

Discuss the following questions with your friends, family or household to determine your emergency plan.

  1. How will I receive emergency alerts and warnings?
  2. What is my shelter plan?
  3. What is my evacuation route?
  4. What is my family/household communication plan?

After determining your plan, practice it!

What Life Saving Skills Do You Have?

There are a wide variety of skills you should have that can save a life. Here are a few to target.

  • Learn first aid & CPR.
  • Own a fire extinguisher, know where it’s located & most importantly, understand how to use it.
  • Know how to shut off your water, electricity & natural gas.

Do You Understand Your Insurance Coverage?

Yes, having insurance is your first step to protection, but do you know exactly what you are covered for? Did you know flood damage to a home is the most common disaster a household can face? If your home floods, are you covered? If you do not understand the details of your insurance coverage, call our office!

Are You Saving For an Emergency?

We all know the concept of saving for a rainy day, but the question is, are you doing it?

  • Have a savings account and contribute to it monthly if possible.
  • Consider owning a safe in your home & keeping cash in it. During a disaster, ATM’s or credit cards may not work.
  • Store all important personal, household & medical information in your safe (or a place you’ll remember).

Examples:

  • passport or photo ID
  • birth certificate
  • social security cards,
  • marriage or divorce license
  • military ID & military discharge record
  • pet ID tags
  • pet microchip info & proof of pet ownership
  • insurance policies
  • lease or rental agreement
  • mortgage or real estate deeds of trust
  • immunization records
  • medication list or other medical information a physician may need

If you want a detailed document of everything you would need to prepare for a disaster or emergency, print this form out & follow the checklist.

Don’t wait until it’s too late. Learn the skills & know what to do before a disaster strikes.

If you have questions about your insurance coverage or want a quote for flood insurance, contact Heuer Insurance Agency. Our agents will shop to find the best insurance for your specific needs.

A Rodent Made a Nest In My Car and Caused Damage – Is it Covered?

As cooler weather approaches at night or you park your car outside during the winter months, chances are that sooner or later a rodent will find its way inside of your warm vehicle. Rodents like rats, mice and even squirrels can make their way up inside of your engine compartment to stay warm. After all, it is toasty and warm inside there and you left the vehicle in the driveway overnight.

Rodents can do major damage to vehicles. In fact, some of the more common reported damages include chewed wiring, chewed up upholstery (used to make nests) and rodent feces.

If your vehicle is damaged by a rodent you’ll want to review your insurance policy to see if there is a “rodent clause.” Comprehensive insurance coverage is your best bet for getting rodent damages covered, however, some insurance companies define animal damages in comprehensive coverage as “collision with an animal” and have a specific clause that excludes rodent damages such as chewed wiring etc. The best course of action is to ask your insurance agent when you purchase your policy, or if you already have a policy in place to ask them about it. If dealing with rodents is something you think you may have to deal with, selecting the appropriate company as well as the appropriate coverage can make all the difference.

Heuer Insurance Agency in Sparks has worked with a variety of clients in the Reno area over the years and we are confident in our ability to meet your personal or business insurance needs. We understand how important an insurance policy can be and we take time to match each of our clients with the perfect insurance policy. Whether you are looking for auto insurancerenters insurancehomeowners insurance, or life insurance we can help you. Not only can we provide you with each of these personal insurance policies, but we can also help you find a general liability policy, workers compensation policy or commercial building insurance policy. Give us a call at 775-358-5554 or visit us.