Typhoon survival tips before and aftermath
Florida braced the impact of Hurricane Irma, destroyed of million homes, massive economic losses. The financial cost of Hurricane Irma could rise as high as $300bn the storm lashes Florida, damaging homes, businesses and critical crops, including orange groves.
The recent masses 6.3 million evacuations of Florida before the imminence of category 5 of Hurricane Irma ignored by the Trump admiration about global warming. The speed of 150 Km per hour swept away houses and vehicles along its path, uproot trees, resulting in a million lost their homes, no electricity and no clean water supply.
The storm has already unsettled the monetary markets, sending insurance shares falling. An analyst from a stockbroker company positioned the general economic value at $300bn, with insurance firms probably at the hook for among $100bn and $150bn while the smooth-up operation gets underway.
The bulk of Irma’s claims are probably for wind damage. With a predicted 300 000 shares for wind damage and 150 000 claims for flood damage, insurance claims for Irma are expected to obtain extra than $40 billion. However, insurers handling Irma can also attempt to wriggle out of protecting houses with each wind and water damage through bizarre “anti-concurrent-causation” clauses – that is, clauses that put off insurance for wind damage if an “uninsured flood” takes place on the equal.
Those egregious clauses are impossible for consumers to understand, as the general public cannot consider insurers selling them a policy with wind coverage that could disappear playing with technical insurance jargon words.
What to do with a Typhoon imminent?
Typhoon survival tips before and aftermath
Before the Typhoon:
- Prepare an adequate storage supply of meals and drinking water.
- It is vital to store at least two weeks of canned food and mineral water.
- Preserve flashlights, candles and battery-powered radios within easy reach.
- Examine your own home and restore its unstable parts
- Harvest mature plants or crops.
- Keep domesticated animals on safe ground.
- For the fisherman, anchor boats in a sheltered area.
- Have you needed to evacuate, carry clothing, blankets, whistles, first-aid package, candles/flashlight, battery-powered radio, meals, and some cash?
At some point of the storm:
- Stay indoors.
- Prepare constantly having the latest weather forecast result from radio or social media.
- If the drinking water is not suitable for human consumption, advise boiling the water at least 20 minutes before drinking.
- The water container covers with a lid.
- Please saves some lighted candles or fuel lamps.
- Do not go through floodwaters to avoid being electrocuted and contracting illnesses.
- If there is a need to move to an evacuation centre, follow those instructions.
- Evacuate calmly. Close the home windows and turn off the main electricity switch.
- Put essential home equipment and belongings on a high floor.
Keep away from the fast swift following water.
- Make a communication plan with the family.
- Ensure a proper meeting place if the smartphone is not working.
- Note down the important emergency number.
After the typhoon
- If a typhoon destroys your private home, it is advisable to stay elsewhere.
- Watch out for snakes that can have entered your house.
Return home only after authorities have given the green light announcing the if is safe for the dwelling.
- Be careful with the wires immersed in water that can cause electrocution.
- Make a report of broken electrical cables and fallen posts to the concerned authority.
- Do not allow the water stagnant in tires, cans or pots to avoid breeding grounds for mosquitoes.
- Remember, preparedness is the key. So be smart and stay alert.
Can I insure my house against typhoons and floods?
Yes, 1st you need to have a fire or home insurance, not only your house but also the contents, including your personal effect. You need to fork out the extra premium with these 2 extension clauses.
Typhoon insurance covers only wind damage, but not the loss or damage caused by rain, regardless of whether driven by wind. The damage covered only the actual damage to the roof or walls by the direct force. The insurer is liable for loss or damage to the building or insured property whereby the rain is entering the building through openings in the roof or walls caused by the typhoon. There is No cover for the water damage due to the door being open, windows, transoms, or roof lights being left open, despite a typhoon’s existence or presence.
The flood insurance does not cover loss or damage caused directly or indirectly by landslide, subsidence, explosion, incidental to flood or not, and theft occurring during or after a flood. In addition, the following do not constitute a flood: overflowing, bursting or leakage of water tanks, pipes, gutters, downpipes, public water supply mains, backing up of sewers or drains.
Motorcar damage insurance
The standard 1st party motor Car policy does not cover “any accident, loss, damage, or liability directly or indirectly, proximately or remotely occasioned by caused by any traceable of a flood, typhoon, and hurricane.” Some insurers are willing to cover these perils at an additional premium. Others reject it even though the insured is willing to pay the extra premium. It is mainly due to reinsurance or co-insurance treaty.
Personal accident policy usually does not cover a tidal wave.
Some insurers cover you against typhoons only if your house is made of concrete under a galvanized iron roof or against flood only if your home is built on high ground. Again, it is best to let your insurance agent or broker negotiate with their principal.