How to Protect Family and Property From a Hurricane


According to the weather specialists, hurricanes can appear anywhere from June 1 to November 30. Given the statistics of damages and losses, it's exceedingly wise to incorporate the proper steps that help stem related devastation to human life, home, business, car and any other property you own.While homeowners, renters and business owners should systematically procure appropriate insurance coverage, it is those who live directly in the line of storm danger that need to ensure their policy covers all angles of possible risks. To this important end, coastal property owners should go over their plans carefully. Enlisting the service of an understanding independent insurance agent will be of added benefit. He or she should be able to candidly tell you about any discrepancies while advising you how to fill in the gaps so that you will have the necessary coverage when you need it most.

Most certainly, your insurance agent will stress the importance of making copies of important papers, particularly those proving your undisputed ownership of your house, company, car, boat and anything else of value. Once this is done, you should put the originals in one secure place and the copies off-site spot.The next course of action by those living in coastal areas, as well as mobile home and high-rise apartment building complexes is to design an evacuation plan. Government agencies usually have already done a good part of the work in this area by mapping out an evacuation route for your location. Be sure to study it and do an evacuation-drill with your family and loved ones before any anticipated hurricane or tropical storm comes your way. If you own a pet, make the appropriate evacuation plans for it as well, by reserving place at an animal shelter in advance of a corresponding weather alert.Simultaneously, families should update their emergency kit. Make sure there is a Hurricane Risk-Management sufficient supply of bottled water, food, blankets and other essentials. Store all of this in one easy- to- carry container - one that you can grab in a rush to get out.Homes or buildings that are already in disrepair stand a greater chance of incurring further damage from a wind or rain storm. This is why the savvy property owner will make sure prior repair jobs are completed prior to inclement weather. The number place to check for in a structure is the roof. Look out for loose or missing shingles and any other less than perfect condition!

Another way to minimize potential damage of a threatening storm is to tightly secure or remove objects in your yard that can be turned into hurling debris once picked up by high winds.Lastly, but nonetheless high on the importance list is the need for businesses to have a computer data support system. Transfer data to another protected site so that you can retrieve the information when the storm has died down.Mother Nature has ensured that life never gets too boring. Stay safe!

Hurricane Risk-Management


As of April 2011, Colorado State University, Weather Service International, and Tropical Storm Risk have lowered the number of hurricanes they're expecting in the Atlantic Basin for the 2011 season. Nevertheless, they all agree the season should be well above average. CSU expects 16 named storms and 9 hurricanes while Weather Service International foresees a more impactful season along the U.S. coastline. They estimate 15 named storms and 8 hurricanes. Tropical Storm Risk calls for 14 named storms and 7 to 8 hurricanes. They realize that it is, of course, impossible to precisely predict this or any season's hurricane activity in early April.Because a land-falling hurricane can cause extensive damage, risk management experts work with models that are designed to estimate insured losses due to these tricky tropical tempests. What has presented even more of a problem for these experts is trying to anticipate where and how many hurricanes will make landfall. The three major catastrophe modelers, AIR Worldwide, EQECAT, and Risk Management Solutions (RMS) have recently concluded that their near term hurricane models have significantly overestimated losses due to land-falling hurricanes. For example, they initially projected insured loss levels for the 2006-2010 period at 35 percent above the long-term average. The actual cumulative losses, however, were less than one third of the long-term cumulative average.

Here's where the Hurricane Frequency Paradox comes into play which states that although there has been an increase in Atlantic tropical activity since the 19th century, there has not been an increase in hurricane landfalls for the United States. The answer may be due to improved observational techniques according to NOAA researchers. For example, in the days before satellite technology, some tropical systems that formed and died out at sea went undetected. Now they are tallied up with each season's hurricanes if and when they occur.As pointed out above, the near term hurricane models can't produce credible estimates of losses at specific locations, which is what insurance companies and the average citizen are most interested in, because conventional meteorology is unable to generate long-range forecasts of hurricane strikes for specific locations. The study of astro-meteorology offers some assistance to this very problem. As put forth by Johannes Kepler, the discoverer of the planetary laws of motion, astro-meteorology is a long-range weather forecast Public adjusters,Fire damage,Water damage public adjuster system based on planetary cycles. The system allows the formulation of long-range weather forecasts months or years in advance that can pinpoint, not just general trends, but specific forecasts that cover the time, place, and type of weather to be expected. Although no forecast method can claim 100 percent accuracy, and astro-meteorology is no exception, it can give a much clearer picture. Tropical systems Alex, Bonnie, Earl, Matthew, and Tropical Depression 10E were all forecast months in advance last year using this method. Although no hurricane made a direct U.S. landfall last year all of these systems affected land areas in the western hemisphere. Where ever there's a problem, God has a solution--astro-meteorology may very well be, in more ways than one, heaven helping us.

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