Typhoon survival tips before and aftermath
Florida braced the impact of Hurricane Irma destroyed of million homes, gigantic economic lost. The economic cost of Hurricane Irma could rise as high as $300bn the storm lashes Florida, damaging homes, businesses and key crops including orange groves.
The recent masses 6.3 million evacuations of Florida before the imminence of the category 5 of Hurricane Irma is a lesson learned by the Trump admiration about the global warming. The speed of 150 Km per hour sweep away houses, vehicle along its path uproot trees, resulting in a million lost their home, no supply of electricity and clean water.
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 claims for wind damage and one 150 000 claims for flood damage, insurance claims for Irma 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 not possible for consumers to understand, as the general public cannot consider insurers could sell them a policy with wind coverage that could disappear playing with insurance technical 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 the least 2 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 the mature plants or crops.
- Keep domesticated animals in a safety 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.
- Covers container of water with a lid.
- 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 center, 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 family
- Ensure a proper meeting place if the smartphone is not working.
- Note down the important emergency number.
After the typhoon:
- If typhoon destroys your private home, it is advisable to stay elsewhere.
- Watch out for snakes which 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 a breeding ground for mosquito.
- Remember, preparedness is the key. Be smart and stay alert.
Can I insure my house against typhoon and flood?
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.
Basically, typhoon insurance covers only wind damage. Loss or damage caused by rain, regardless whether driven by wind. The damage covered only the actual damage to roof or walls by the direct force of a typhoon. The insurer liable for loss or damage to the building or insured property whereby the rain entering the building through openings in the roof or walls caused by the typhoon. No cover for the water damage due to the opening of the of doors, windows, transoms or roof lights being left open, in spite of the existence or presence of a typhoon.
The flood insurance does not cover are loss or damage caused directly or indirectly by landslide, subsidence, explosion whether incidental to flood or not, theft whether occurring during or after a flood. The following do not constitute as a flood: overflowing, bursting or leakage of water tanks, pipes, gutters, downpipes, and 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. Other rejects it even though the insured willing to pay the extra premium. It is mainly due to reinsurance or co-insurance treaty.
Personal accident policy usually does not cover against a tidal wave.
Some insurers cover you against typhoon only if your house made of concrete under galvanized iron roof, or against flood only if your house is built on high ground. It is best to let your insurance agent or broker negotiate with their principal.