LEARN HOW TO SURVIVE A HURRICANE IN 2012 HERE NOW!

How to Survive A 2012 Hurricane
What to do before, during and after a hurricane, and preparing an hurricane 2012 survival kit for your home, automobile, and office. All this can and will save your life!

BY Tom Fanesi

After going through both hurricane Katrina and Rita, Gustov and Ike I have taken precautions so that the devastation of what 2012 future hurricane events can cause have less impact upon my life.

2012 HURRICANE WHAT TO DO

To prepare for a hurricane, you should take the following measures:

* Make plans to secure your property. Permanent storm shutters offer the best protection for windows. A second option is to board up windows with 5/8” marine plywood, cut to fit and ready to install. Tape does not prevent windows from breaking.

* Install straps or additional clips to securely fasten your roof to the frame structure. This will reduce roof damage.

* Be sure trees and shrubs around your home are well trimmed.

* Clear loose and clogged rain gutters and downspouts.

* Determine how and where to secure your boat.

* Consider building a safe room.

PREPARE YOURSELF AND YOUR FAMILY NOW

Yes do it now! Please read this article, then get out of your chair and just do it!

* Have an hurricane survival kit on hand.
* All family members should know how to turn off gas, water, and electricity.
* Plan family emergency procedures, and make plans for reuniting your family.
* Know emergency telephone numbers (doctor, hospital, police, 911, etc)
* Anchor heavy objects to walls (bookcases, wall units, mirrors, cabinets, etc.)
* Never place heavy objects over beds, and keep heavy objects lower than head height of shortest member of family.

During A Major Hurricane

If a hurricane is likely in your area, you should:

• Listen to the radio or TV for information.
  
  
• Secure your home, close storm shutters, and secure outdoor objects or bring them indoors.
  
  
• Turn off utilities if instructed to do so. Otherwise, turn the refrigerator thermostat to its coldest setting and keep its doors closed.
  
  
• Turn off propane tanks.· Avoid using the phone, except for serious emergencies.
  
  
• Moor your boat if time permits.
  
  
• Ensure a supply of water for sanitary purposes such as cleaning and flushing toilets. Fill the bathtub and other large containers with water.

You should evacuate under the following conditions:

• If you are directed by local authorities to do so. Be sure to follow their instructions.
  
  
• If you live in a mobile home or temporary structure—such shelters are particularly hazardous during hurricanes no matter how well fastened to the ground.
  
  
• If you live in a high-rise building—hurricane winds are stronger at higher elevations.
  
  
• If you live on the coast, on a floodplain, near a river, or on an inland waterway.
  
  
• If you feel you are in danger.

If you are unable to evacuate, go to your safe room. If you do not have one, follow these guidelines:

• Stay indoors during the hurricane and away from windows and glass doors.
  
  
• Close all interior doors—secure and brace external doors.
  
  
• Keep curtains and blinds closed. Do not be fooled if there is a lull; it could be the eye of the storm - winds will pick up again.
  
  
• Take refuge in a small interior room, closet, or hallway on the lowest level.
  
  
• Lie on the floor under a table or another sturdy object.

2012 Hurricane Survival Kits
SURVIVAL SUPPLIES:

* Water-2 quarts to 1 gallon per person, per day.
* First Aid Kit-ample, and freshly stocked.
* First Aid Manual-know how to use it.
* Food-canned or individually packaged;precooked, requiring minimum heat and water. Consider infants, pets, and other special dietary requirements.
* Critical medication, extra eyeglasses
* Can opener
* Blankets
* Radio-portable battery operated, spare batteries or wind up radio
* Critical medication and eyeglasses, contact cases and supplies
* Fire Extinguisher-dry chemical, type ABC
* Flashlight-spare batteries and bulbs
* Watch or clock-battery or spring wound.
* COOKING:
o Barbeque-use outdoors ONLY-charcoal and lighter, or Sterno stove
o Plastic bags-various sizes, sealable
o Pots-at least two
o Paper plates, plastic utensils, and paper towels SANITATION
* Large plastic trash bags-for trash, waste, water protection
* Ground cloth
* Large trash cans
* Hand soap, liquid detergent, shampoo
* Toothpaste, toothbrushes, dental floss
* Deodorant
* Feminine supplies
* Infant supplies
* Toilet paper
* Powdered chlorinated lime-to add to sewage to disinfect and keep away insects.
* Newspapers-to wrap waste, garbage; may also be used for warmth.

SAFETY

* Heavy shoes for every family member
* Heavy gloves for every person cleaning debris
* Candles
* Matches-dipped in wax and kept in waterproof container
* Knife-sharp, or razor blades
* Garden hose-for siphoning and fire fighting
* Clothes-complete change kept dry

TOOLS

* Axe
* Shovel
* Broom
* Crescent wrench-for turning off gas main
* Screwdrivers
* Pliers
* Hammer
* Rope or bailing wire
* Plastic tape
* Pen and paper

Mini Survival Kit for Automobile

* Non-perishable food-store in coffee cans
* Boiled water
* First aid kit and manual
* Fire extinguisher
* Blanket
* Sealable plastic bags
* Flashlight-spare fresh batteries and bulb
* Critical medication, extra eyeglasses
* Tools-screwdriver, pliers, wire, knife
* Short rubber hose
* Pre-moistened towelettes
* Feminine supplies
* Sturdy shoes and gloves

Your emergency supplies should be adequate for at least 2012 hours.

A 10- 30 day supply of water, food, and medicine is recommended.

Recognize Signs of 2012 Disaster Related Stress

When adults have the following signs, they might need crisis counseling or stress management assistance:

• Difficulty communicating thoughts.
• Difficulty sleeping.
• Difficulty maintaining balance in their lives.
• Low threshold of frustration.
• Increased use of drugs/alcohol.
• Limited attention span.
• Poor work performance.
• Headaches/stomach problems.
• Tunnel vision/muffled hearing.
• Colds or flu-like symptoms.
• Disorientation or confusion.
• Difficulty concentrating.
• Reluctance to leave home.
• Depression, sadness.
• Feelings of hopelessness.
• Mood-swings and easy bouts of crying.
• Overwhelming guilt and self-doubt.
• Fear of crowds, strangers, or being alone.

Earthquake insurance is a form of property insurance that pays the policyholder in the event of an earthquake that causes damage to the property. Most ordinary homeowners insurance policies do not cover earthquake loss.

Most earthquake insurance policies feature a high deductible, which makes this type of insurance useful if the entire home is destroyed, but not useful if the home is merely damaged. Rates depend on location and the probability of an earthquake. Rates may be cheaper for homes made of wood, which withstand earthquakes better than homes made of brick.

As with flood insurance or insurance on damage from a hurricane or other large-scale disasters, insurance companies must be careful when assigning this type of insurance, because an earthquake strong enough to destroy one home will probably destroy dozens of homes in the same area. If one company has written insurance policies on a large number of homes in a particular city, then a devastating earthquake will quickly drain all the company's resources. Insurance companies devote much study and effort toward risk management to avoid such cases.

California

Earthquake insurance has become a political issue in California, whose residents purchase more earthquake insurance than residents of any other state in the U.S. After the 1994 Northridge earthquake, nearly all insurance companies completely stopped writing homeowners' insurance policies altogether in the state, because under California law (the "mandatory offer law"), companies offering homeowners' insurance must also offer earthquake insurance. Eventually the legislature created a "mini policy" that could be sold by any insurer to comply with the mandatory offer law: only earthquake loss due to structural damage need be covered, with a 15% deductible. Claims on personal property losses and "loss of use" are limited. The legislature also created a quasi-public (privately funded, publicly managed) agency called the CEA California Earthquake Authority. Membership in the CEA by insurers is voluntary and member companies satisfy the mandatory offer law by selling the CEA mini policy. Premiums are paid to the insurer, and then pooled in the CEA to cover claims from homeowners with a CEA policy from member insurers. The state of California specifically states that it does not back up CEA earthquake insurance, in the event that claims from a major earthquake were to drain all CEA funds, nor will it cover claims from non-CEA insurers if they were to become insolvent due to earthquake losses.

Japan

The government of Japan created the "Japanese Earthquake Reinsurance" scheme in 1966, and the scheme has been revised several times since.Homeowners may buy earthquake insurance from an insurance company as an optional rider to a fire insurance policy. Insurers enrolled in the JER scheme who have to pay earthquake claims to homeowners share the risk among themselves and also the government, through the JER. The government pays a much larger proportion of the claims if a single earthquake causes aggregate damage of over about 1 trillion yen (about US $8.75 billion). The maximum payout in a single year to all JER insurance claim filers is 4.5 trillion yen (about US $39.4 billion); if claims exceed this amount, then the claims are pro-rated among all claimants.

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