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Forecast
for Safety
Even
the weather pros know that Mother Nature can be unpredictable.
So get ready now for natural disasters with these safety tips
for protecting your home and family.
By Jennifer
James Irsfeld
When severe
weather blows into town, Andrew and Allison Pinneke don't
mess around -- not after two close calls in two months. This
past spring, just weeks before the couple finished graduate
school at the University of Iowa, a powerful tornado tore
through Iowa City with 150-mph winds. The couple fled to the
basement with textbooks and a radio and emerged hours later
to find their car and truck dented by hail. "When we saw all
the debris -- buildings caved in, cars overturned, houses
ruined -- we felt pretty lucky," Allison says. A month later,
after moving to Kansas City, they encountered a fierce storm
while driving. The couple wisely took cover in their just-repaired
car by parking under a gas station awning. The roof of their
house, however, was seriously damaged. "We take the weather
seriously now," Allison says. "We don't take our safety for
granted."
From thunderstorms
to wildfires, Mother Nature proves again and again that she
won't be tamed. A lack of awareness and preparation can compound
the damage created by natural disasters. Although no preparation
offers absolute safety, some preventive actions can greatly
reduce your risk of injury or property damage. "The key to
survival is planning, no matter the disaster," says Frank
Lepore, a recently retired public affairs officer at the National
Hurricane Center. Taking preventive steps also makes it easier
to stay calm, a key survival skill. Read on for expert advice
on how to prepare for four common natural disasters.
Mighty
Winds and Waves
Getting
to know a hurricane on a first-name basis is no friendly task,
as proven by hurricanes Katrina and Rita.
The
411. Hurricanes inflict devastation from strong winds
(including tornados), torrential rains and storm surges, which
can lead to coastal flooding. Inland flooding can take place
hundreds of miles from the coast. The low-lying geography
of much of the Atlantic and Gulf coastlines compounds the
danger. The tropical storm season runs June through November
for the Atlantic Seaboard, Gulf of Mexico, Caribbean Sea and
Hawaii. The map above shows states that are most likely to
experience hurricanes.
Did
you know? Atlantic storms receive a name when winds reach
39 mph. The monikers are plucked from a six-year rotating
list that runs alphabetically.
Play
it safe. Riding out a hurricane in your home is foolish,
to say the least. Plan your response before the warnings come:
- Be
In the Know: Find out your vulnerability to flooding,
wind and storm surge and whether you live in a mandatory
evacuation zone.
- Plan
Your Escape: Map out several evacuation routes away
from known flood areas. Your local emergency management
office or American Red Cross chapter is a good source of
help.
- Stock
Up: Keep on hand materials such as sandbags and plastic
sheeting. Be prepared to board up doors and windows, and
secure or remove loose items that are outdoors.
- Listen
Up: Monitor radio and TV for evacuation orders. Act
without delay to avoid traffic.
- Shut
It Off: If you are in a hurricane surge zone, keep written
instructions on how to turn off your home's utilities. For
safety, gas, water and electricity should be shut off before
you evacuate.
- Stay
Out of Floodwaters: Just a few inches of moving water
can sweep vehicles and people away.
Fanning
The Flames
Take
it from Smokey Bear: You can make a difference in preventing
wildfires. In fact, nine out of 10 wildfires are started by
people. Map, right: U.S. states most likely to experience
the wrath of wildfires.
The
411. Fire is nature's housekeeper and plays a key role
in renewing ecosystems. But there's nothing natural about
the increasing number of wildfires that break out each year
as more homes are built on or near forested land and outdoor
activities increase. These fires threaten the environment
and communities by destroying more than 900 homes each year,
according to Firewise, a nonprofit wildfire prevention program.
Play
it safe. Prevention is key to saving both lives and property:
- Build
Smart: Use fire-resistant materials when building or
remodeling your home. Outfit chimneys and stovepipes with
spark arresters. Mark your house with fire-resistant signs
and address numbers.
- Eliminate
Combustibles: Clean debris from all roofs and gutters
regularly. Keep firewood, wood fences and other flammables
away from structures.
- Landscape
for Safety: Create a firebreak around your home with
fire-safe plants and fire-resistant landscaping.
- Keep
Fire Tools Handy: If you can do so safely, battling
a small blaze may be an option. Be prepared with a ladder
tall enough to reach the roof, a long hose and a shovel,
rake and buckets.
- Heed
Evacuation Orders. If time permits before leaving, wet
the roof and any shrubs within 15 feet of house.
Twisted
Twisters
Consider
yourself lucky if the closest you've come to a tornado is
The Wizard of Oz. An average year sees 1,200 tornados reported
in the United States, with 70 deaths. Map, right: States most
likely to experience tornados.
The
411. These violent, rotating columns of air have been
sighted throughout the United States, but most occur on the
central plains east of the Rocky Mountains and west of the
Appalachian Mountains.
Did
you know? Peak times are March through May in southern
states and late spring and summer in northern states.
Play
it safe. Common signs of a tornado are a dark, sometimes
greenish, sky; wall clouds; loud roar like a freight train;
hail or rain followed by sudden calm or fast wind shift; and
whirling debris, even if a funnel cloud is not visible. If
you suspect a tornado is nearby, take immediate precautions:
- In
Your Home: Stay away from windows, exterior walls and
elevators. Good options include a storm shelter, interior
room (such as bathroom or closet) and the basement (but
move away from areas that are below heavy objects such as
pianos and appliances). Abandon mobile homes and automobiles
-- you are safer outside.
- Outdoors:
Lie facedown in a sheltered low spot (but not under
a bridge) and cover your head with your arms.
Power
Storms
When
thunderstorms roll in, there's more to be worried about than
raindrops fallin' on your head. Lightning is the second-leading
weather-related killer in the United States. Thunderstorms
also can unleash downpours that turn creeks into raging rivers,
120-mph winds that plow across the ground like a bulldozer,
and hail that kills. Map, above: Everyone is vulnerable to
rainstorms.
The
411. Thunderstorms develop when warm, moist air meets
cold air, conditions most common in the late afternoon during
summer.
Did
you know? There is a silver lining to thunderstorms: They
help disperse excess heat and clean the air of pollutants.
Play
it safe. Know what to do (and what not to do) in any situation:
- In
Your Home: Head to a small interior room (away from
windows and skylights) on the lowest level. Lightning-induced
electrical current can travel through wiring and plumbing,
so it's safest to avoid using telephones, electric appliances,
sinks and showers. If power fails, turn off electrical appliances
and switches before the power comes back on to help avoid
power-surge damage.
- In
Your Car: Pull off the road and stay inside with the
windows up.
- Outdoors:
Seek shelter away from exposed locations (golf courses,
open water and beaches, for example). Avoid isolated tall
objects (such as trees, towers, metal fences and flagpoles)
and elevated areas (bleachers and hilltops). If no shelter
is available, use the "lightning crouch": squat with feet
together, head tucked and ears covered.
- In
a Hailstorm: Large (softball-size) hailstones often
are a sign of a tornado nearby, so head to a tornado shelter.
- After
a Storm: More than 50 percent of lightning deaths happen
post thunderstorm, so stay in a safe shelter for at least
30 minutes after the storm has passed.
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Make
an Emergency Kit
Be
ready to weather any natural disaster with a kit that
includes these supplies:
-
A three- to seven-day supply of water (1 gallon
per person per day)
- Nonperishable
food o Cooking tools, manual can opener, portable
cookstove and fuel
- A
change of clothing, seasonal gear and sturdy shoes
- Blankets
or sleeping bags
- A
first-aid handbook and kit, including prescription
medicines
- Tools
to turn off utilities, if you live in a surge zone
- Emergency
tools, including a NOAA weather radio with battery
backup and a portable radio (ideally hand-cranked
and/or solar), flashlight, extra batteries and lightbulbs,
fire extinguisher, and a highway map of your county/parish
- An
extra set of keys, cash and a credit card
-
Important documents -- stored in a waterproof container
-- including insurance, medical records, bank account
numbers and Social Security cards
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Get
Your Free Disaster Kit
Fill
out a copy of our personal
property inventory form that could help
expedite your homeowners claim in the event of a
natural disaster. Write down your possessions or
go high-tech and use a digital camera or video camera
to do a room-by-room inventory. Always store inventory
lists and photos in a fire-resistant box or, better
yet, in a safe place away from your home.
Get
the Advantage with MetLife Auto & Home
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Did
Your IDs Blow Away?
In
the aftermath of a wicked storm, you discover that
you've lost your birth certificate, marriage license,
Social Security card-essentially proof of your identity.
We can help you replace those documents at no extra
charge with our Identity
Theft Resolution Service. This service is
automatically provided to most homeowners, renters,
condo and auto policyholders at no additional cost.
Not
available to auto policyholders in MA, NC and NH.
Get
the Advantage with MetLife Auto & Home
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