Flooding

Colorado Disasters: Are You Prepared?

by Cindy Chase

Wow…who could have imagined that floods would cause such catastrophic Colorado disasters and damage to our fellow Coloradans and beautiful state?

As an insurance agent, I’m keenly aware of the impact.  It’s what we do.  We help clients protect their assets and manage their risk. Never imagining a  flooding disaster, I wrote an article on “Do I need flood insurance?” earlier this spring.

This disaster really got me thinking about the role insurance plays in being prepared. Before a disaster strikes, insurance is not a big conversation starter. After something terrible happens, it’s a hot topic. Unfortunately most people think about insurance when it’s too late.

Colorado Disasters: Coloradans
Must Be Prepared

This year Colorado has experienced 8 of 12 disastrous hazards as defined by FEMA, including Floods, Tornadoes, Thunderstorms and Lightning, Winter Storms and Extreme Cold, Extreme Heat, Landslide and Debris Flows (Mudslide), Fires and Wildfires. This is amazing.

What does being prepared mean? The definition according to the dictionary is “thinking ahead and being ready.”

What does that mean to you?  Simply this: Colorado residents must be ready for disasters – with our eyes wide open. Being prepared reduces fear and anxiety. It also minimizes the losses that accompany catastrophes.

Thinking Ahead and Preparing
for the Unexpected

I recommend that you review the  “Are You Ready?” section on the U.S. Government Ready website. It has many helpful tips and ideas. Here are a few I’d like to share:

1. Your family may not be together when disaster strikes, so plan how you will communicate in different situations. Make an action plan that also includes important phone numbers. Place it where everyone can find it, for example, on your Pantry door. And save it to your PC, tablet and phone.

2. According to the guide, we need to be prepared to be self-sufficient for at least 3 days following a hazardous event. This means being ready to provide your own shelter, first aid, food, water, and sanitation.

If you’ve lived in Colorado, as long as I have, you know we’ve had storms that kept us snowbound for several days. If you think not having TV is a hardship, think again!  You may be without food, medication, heat and even shelter for several days.

3.  Safety Skills was also an informative chapter. For example…How to use a fire extinguisher. A small house fire can be avoided if everyone knows where the fire extinguisher is located in your home, and how to use it. And remember to include your babysitter.

Reviewing the information on this website reinforced my belief in how we best serve our clients. Our goal is to help you make wise decisions that protect you before you need it. When you look at the synonyms of insurance…protection, defense, safeguard, security, hedge, precaution, provision, surety, community, guarantee, warranty, backstop; it’s easy to see that’s our mission.

Are you prepared?  If you’re not sure or have a question, please call 303-777-2991 or e-mail us today.  We’re committed to helping you Be Prepared!