Flood Insurance – Irene: Are We Happy You Did Not Meet You In California

Flood Insurance – Irene: Are We Happy You Did Not Meet You In California

The news reports about the personal after affects of Irene’s destruction to East Coast residents and businesses is very sad to watch.  Some have lost their homes and personal possessions. Others have lost their businesses. 


Typically, 40% of businesses do not survive a disastrous event like a hurricane.


I am sure Californians are very grateful that Irene did not release her wrath upon us.  Actually, it is most unfortunate that anyone anywhere should be subject to "mother natures" anger like that displayed these last few days.


We do not experience hurricanes in California, but we have additional natural disasters to be concerned about – namely earthquakes and wildfires.


Both of these causes of loss can be partially managed and I hope all of us will take steps to not only protect ourselves, our loved ones and our property.


As a result of what we have all observed about Irene’s destruction, here are some suggestions which I hope will cause you to take some immediate action:


  • Develop a plan to protect your property (view Red Cross; Disaster Planning; other Internet sites)
  • Develop a plan for your family members to be safe and share it with them and friends
  • Consult with your insurance advisor to review how your insurance program will respond to an earthquake, flood and fire
  • From this insurance review, determine what changes you need to make to best protect your property from a large loss
  • Find a location, away from your home/business, to keep copies of your valuable papers, pictures and documents
  • Take photos, or a video, of the following: your home (inside & out) and it’s contents; your business premises (inside & out) and the property it owns; store all of this information at a different location; consider Google or another digital location
  • Set a schedule to accomplish these tasks, tell others and ask them to help you be accountable to complete your plans


Should you wish to receive some assistance in this process, contact me at tbone@isugroup.com, or call 916-265-3837.


Listen – Learn – Participate by tuning into “Insurance Matters” every Tuesday 8 a.m. on Sacramento’s Money 105.5 FM, plus the first Saturday of the month at 9:30 a.m. on 1380 AM KTKZ – Online at Small Biz Talk Radio

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Tom Bone
Risk Insurance Advisor
ISU Insurance Services
2266 Lava Ridge Court
Roseville, California 95661
Phone 916.960.8758 or 800.823.4852 ext. 8758
Fax 916.773.4484
Mobile 925.285.6790
Email tbone@risksnthreatsmatter.com
License #0306692