Be Resilient
Resilience prepares communities, reduces suffering, and speeds recovery. Please check out these resources from our partners
Be Resilient After A Disaster By Being Ready
Insurance Checkup
How?
Get an insurance checkup every year by contacting your homeowner’s insurance company. Ask your insurance agent questions about what your coverage entails, what your deductible and claims reporting options are, and whether you qualify for any discounts or incentives that can save you money.
Why?
Conducting an insurance checkup will ensure that you have the right financial resources to rebuild, recover, and bounce back from any disaster.
Coverages – Know the Basics
1. What type of insurance policy do I have? Is it the right kind for me?
2. Is my home insured for actual cash value or replacement cost?
3. If my home is uninhabitable, will my policy provide temporary living expenses? What is the time limit?
4. What liability coverage limits should I choose?
5. Are my personal belongings covered? How is the limit established?
6. Do I need individual policies for high-value personal items? What are some examples?
7. How do I cover flood losses if they’re not part of my homeowner’s policy?
What is my deductible? What are my options?
- How is a hurricane deductible different? How much savings should I have in reserve to meet my deductible?
- What are my responsibilities to prevent further destruction if damage occurs?
- What can I do to make processing my claim efficient?
- What is the best way to document damage?
Discounts and Incentives
- Does my community’s building code affect my rates?
- Are discounts available for crime and fire prevention, lightning protection, safety, water loss detection, or wind mitigation?
- How can I save on flood insurance?
- How can I qualify for policy discounts each year?
Online Resources
Individuals and Households:
People with Disabilities at https://www.ready.gov/disability
Prepare Your Pets for Disasters at https://www.ready.gov/sites/default/files/2021-06/ready_pet-preparedness-flyer.pdf
Resilient Homes, A buyers Guide at https://buyersguidetoresilienthomes.org
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Business:
Business Continuity Plan at https://www.ready.gov/business-continuity-plan
Emergency Response Plan Template at https://www.ready.gov/sites/default/files/2020-09/business_emergency-response-plans.pdf
Chambers of Commerce Preparedness and Recovery at https://www.uschamberfoundation.org/disaster-preparedness-and-recovery-quick-guides/chambers-commerce-preparedness
Faith-Based:
Faith-Based Community Preparedness at https://www.fema.gov/emergency-managers/individuals-communities/faith#preparedness
Guide for Developing Emergency Operations Plans for Houses of Worship at https://www.fema.gov/sites/default/files/2020-07/developing-eops-for-houses-of-worship.pdf
Government:
Community Recovery Management Toolkit at https://www.fema.gov/emergency-managers/practitioners/resilience-analysis-and-planning-tool
Continuity Plan Template & Instructions for Non-Federal Entities and Community Based Organizations at https://www.fema.gov/sites/default/files/2020-07/non-federal-continuity-plan-template_083118.pdf
Effective Coordination of Recovery Resources for State, Tribal, Territorial, and Local Incidents at https://www.fema.gov/sites/default/files/2020-07/fema_effective-coordination-recovery-resources-guide_020515.pdf
National Disaster Recovery Framework at https://www.fema.gov/sites/default/files/2020-06/national_disaster_recovery_framework_2nd.pdf
Pre-Disaster Recovery Planning Guide for Local Governments at https://www.fema.gov/sites/default/files/2020-07/pre-disaster-recovery-planning-guide-local-governments.pdf
Recovery and Resilience Resource Library at https://www.fema.gov/my/emergency-managers/practitioners/recovery-resilience-resource-library
Recovery Resource Roadmap at https://www.fema.gov/emergency-managers/practitioners/roadmap-resource-library-form
Resilience Analysis and Planning Tool (RAPT) at https://www.fema.gov/emergency-managers/practitioners/resilience-analysis-and-planning-tool
Threat and Hazard Identification and Risk Assessment (THIRA) and Stakeholder Preparedness Review (SPR) Guide (CPG) 201 at https://www.fema.gov/sites/default/files/2020-07/threat-hazard-identification-risk-assessment-stakeholder-preparedness-review-guide.pdf
Schools:
Guide for Developing Emergency Operations Plan for K-12 Schools at https://www.fema.gov/sites/default/files/2020-07/guide-developing-school-emergency-operations-plans.pdf
Guide for Developing Emergency Operations Plan for Institutions of Higher Learning at https://www.fema.gov/sites/default/files/documents/fema_rema_institutions-higher-education-guide_2013.pdf
