DISASTER! - Homeland Security and Emergency Management ...

• Secure heavy appliances like water heaters, refrigerators,etc. using bands of perforated steel (plumber’s tape).• Use buckles or safety straps to secure computers, TVs,stereos and other equipment to tabletops.• Use earthquake or florist putty to tack down glassware,heirlooms and figurines.FIRE MITIGATIONHome fire protection is very important and covered on pages 52-53. Alsosee Wildfire Mitigation to learn additional ways to protect your home.FLOOD MITIGATIONFlood damage is normally the second most common disaster-relatedexpense of insured losses reported worldwide. Many natural disasters likehurricanes, rain, thunderstorms, and melting snow cause flooding. Livingnear a dam or levee also increases flood risks.According to FEMA, everyone lives in a flood zone - it’s just a question ofwhether you live in a low, moderate or high risk area. There are certain partsof North America known as “flood plains” that are at high risk of floods.Consider contacting your local emergency management official to use theFlood Insurance Rate Maps (FIRMs) or to develop a community-basedapproach since there may be funds available to assist you and your area.Some examples of State grant programs officials can access include theHazard Mitigation Grant Program (HMGP), Flood Mitigation Assistance(FMA) Program, and the Pre-Disaster Mitigation (PDM) Program.Individual citizens cannot apply for grant money but local agencies ornonprofit organizations may apply on behalf of citizens.But I have insurance...Insurance companies will cover some claims due to water damage like abroken water main or a washing machine that goes berserk. However,standard home insurance policies DO NOT generally cover flood (or mud)damage caused by natural events or disasters!The U.S. offers a National Flood Insurance Program available in mostcommunities and there is a waiting period for coverage. Talk to your insuranceagent or call NFIP at 1-888-379-9531 or visit www.floodsmart.gov.Currently Canadians do not have a national flood program, howevercertain parts of Canada offer limited flood-damage coverage but it must bepurchased year-round and rates are relatively high. Visit www.ibc.ca28 www.itsadisaster.net or call 1-888-999-4325