Back to School & Insurance

Courtesy of iii.org

With burglaries constituting approximately 50 percent of all on-campus crimes, according to the National Center for Education Statistics, it is more important than ever that college students and their parents review their insurance coverage.

For students who live in a dorm, most personal possessions are covered under their parents’ homeowners or renters insurance policies. However, some home insurance policies may limit the amount of insurance for off-premises belongings to just 10 percent of the total amount of coverage for personal possessions. This means that if the parents have $70,000 worth of insurance for their belongings, only $7,000 would be applicable to possessions in the dorm. Not all insurers impose this type of limit, so check with your insurance professional.

Expensive computer and electronic equipment, sports equipment, and items such as jewelry may also be subject to coverage limits under a standard homeowners policy. If the limits are too low, a special personal property floater or an endorsement can be purchased to cover these items. There are also stand-alone insurance policies for computers and cellphones.

Students and/or their parents may also want to consider purchasing a stand-alone policy specifically designed for students living away at college. This can be an economical way to provide additional insurance coverage for a variety of disasters.

Students who live off-campus are likely not covered by their parents’ homeowners policy and may need to purchase their own renters insurance policy. Your insurance professional can tell you whether your homeowners or renters policy extends to off-campus living situations.

For students going off to college, the I.I.I. recommends the following:

  • Leave valuables at home if possible 
    While it may be necessary to take a computer or sports equipment to campus, other expensive items, such as valuable jewelry, luxury watches or costly electronics, should be left behind or kept in a local safety deposit box.
  • Create a “dorm inventory”
    Before leaving home, students should make a detailed inventory of all the items they are taking with them, and revise it every year. Having an up-to-date inventory will help get insurance claims settled faster in the event of theft, fire or other types of disasters.
  • Engrave electronics 
    Engrave electronic items such as computers, televisions and mobile devices, such as your smart phone, with your name or other identifying information that can help police track the stolen articles.

The I.I.I. offers the following advice to guard against theft of your personal belongings on campus:

  • Always lock your dorm room door and keep your keys with you at all times, even if you leave briefly. And, not just at night—most dorm thefts occur during the day. Insist your roommates do the same.
  • Don’t leave belongings unattended on campus. Whether you are in class, the library, the dining hall or other public areas, keep book bags, purses and laptops with you at all times. These are the primary areas where property theft occurs.
  • Buy a laptop security cable and use it. A combination lock that needs decoding may be just enough to dissuade a thief.
  • Most campus fires are cooking related so be careful about the types of hot plates or microwaves you to bring to school, and how you use them.

In the event a student is planning to have a car on campus, choose a safe, reliable vehicle and do some comparison shopping to find the best auto insurance rate. You should also check with your own insurance company as it may offer a multi-policy discount. If you decide to keep the student’s car at home, be sure to let your auto insurance company know, as many insurers will give discounts for students who are living at a school at least 100 miles away from home.

2019 Hurricane Season

Courtesy of iii.org
Dr. Phil Klotzbach, an atmospheric scientist at Colorado State University (CSU), and his team released their updated forecast for the 2019 Atlantic Hurricane season which began on June 1 and continues through November 30.

The team adjusted their original forecast which predicted a slightly below average season, and now call for an average season. The new estimate calls for about 6 hurricanes (average is 6.4), 14 named storms (average is 12.1), 55 named storm days (average is 59.4), 20 hurricane days (average is 24.2), 2 major (Category 3-4-5) hurricanes (average is 2.7) and 5 major hurricane days (average is 6.2). These numbers include Subtropical Storm Andrea which formed in May.

“We …believe that 2019 will have approximately average activity. There remains considerable uncertainty as to whether El Niño conditions will persist through the Atlantic hurricane season. The tropical Atlantic has warmed slightly faster than normal over the past few weeks and now has near-average sea surface temperatures. We anticipate a near-average probability for major hurricanes making landfall along the United States coastline and in the Caribbean,” said Dr. Klotzbach.

As is the case with all hurricane seasons, coastal residents are reminded that it only takes one hurricane making landfall to make it an active season for them. They should prepare the same for every season, regardless of how much activity is predicted.

Dr. Phil Klotzbach is a non-resident scholar at the Insurance Information Institute.

Happy Memorial Day to our Friends and Families

courtesy of wikipedia.org
Memorial Day (or Decoration Day) is a federal holiday in the United States for remembering and honoring people who have died while serving in the United States Armed Forces. The holiday, which is currently observed every year on the last Monday of May, was most recently held on May 28, 2018. Memorial Day was previously observed on May 30 from 1868 to 1970.

Memorial Day is considered the unofficial start of the summer vacation season in the United States, while Labor Day marks its end on the first Monday of September.

Many people visit cemeteries and memorials on Memorial Day, particularly to honor those who died in military service. Many volunteers place an American flag on each grave in national cemeteries.

Two other days celebrate those who serve or have served in the U.S. military: Veterans Day, which celebrates the service of all U.S. military veterans; and Armed Forces Day, a minor U.S. remembrance celebrated earlier in May, specifically honoring those currently serving in the U.S. military.

The history of Memorial Day in the United States is so controversial that it constitutes an area of research. At Columbus [Georgia] State University there is a Center for Memorial Day Research. It, together with the University of Mississippi’s Center for Civil War Research, are excellent starting points for investigating the topic.
1870 Decoration Day parade in St. Paul, Minnesota

The practice of decorating soldiers’ graves with flowers is an ancient custom. Soldiers’ graves were decorated in the U.S. before and during the American Civil War.

Some believe that an annual cemetery decoration practice began before the American Civil War and thus may reflect the real origin of the “memorial day” idea Annual Decoration Days for particular cemeteries are still held on a Sunday in late spring or early summer in some rural areas of the American South, notably in the mountain areas. In cases involving a family graveyard where remote ancestors, as well as those who died more recently, are buried, this may take on the character of an extended family reunion to which some people travel hundreds of miles. People gather, put flowers on graves, and renew contacts with relatives and others. There often is a religious service and a picnic-like “dinner on the grounds”, the traditional term for a potluck meal at a church

On June 3, 1861, Warrenton, Virginia, was the location of the first Civil War soldier’s grave ever to be decorated, according to a Richmond Times-Dispatch newspaper article in 1906. In 1862, women in Savannah, Georgia decorated Confederate soldiers’ graves according to the Savannah Republican. The 1863 cemetery dedication at Gettysburg, Pennsylvania, was a ceremony of commemoration at the graves of dead soldiers. Some have therefore claimed that Lincoln was the founder of Memorial Day. On July 4, 1864, ladies decorated soldiers’ graves according to local historians in Boalsburg, Pennsylvania, yet the principal grave they claim to have decorated was of a man who was not dead yet. Nonetheless, Boalsburg promotes itself as the birthplace of Memorial Day.

In April 1865, following President Abraham Lincoln’s assassination, commemorations were widespread. The more than 600,000 soldiers of both sides who died in the Civil War meant that burial and memorialization took on new cultural significance. Under the leadership of women during the war, an increasingly formal practice of decorating graves had taken shape. In 1865, the federal government began creating national military cemeteries for the Union war dead.

On May 1, 1865, in Charleston, South Carolina, recently freed African-Americans held a parade of 10,000 people to honor 257 dead Union Soldiers, whose remains they had reburied from a mass grave in a Confederate prison camp. Historian David W. Blight cites contemporary news reports of this incident in the Charleston Daily Courier and the New-York Tribune. Although Blight claimed that “African Americans invented Memorial Day in Charleston, South Carolina”, in 2012, Blight stated that he “has no evidence” that the event in Charleston inspired the establishment of Memorial Day across the country. Accordingly, investigators for Time Magazine, LiveScience, RealClearLife and Snopes have called this conclusion into question.

In 1868, copying the Southern annual observance of the previous three years, General John A. Logan of the Grand Army of the Republic, an organization of Union veterans founded in Decatur, Illinois, established Decoration Day as a time for the nation to decorate the graves of the Union war dead with flowers. By the 20th century, various Union memorial traditions, celebrated on different days, merged, and Memorial Day eventually extended to honor all Americans who died while in the U.S. military service.[1]

On May 26, 1966, President Lyndon B. Johnson designated an “official” birthplace of the holiday by signing the presidential proclamation naming Waterloo, New York, as the holder of the title. This action followed House Concurrent Resolution 587, in which the 89th Congress had officially recognized that the patriotic tradition of observing Memorial Day had begun one hundred years prior in Waterloo, New York. The village credits druggist Henry C. Welles and county clerk John B. Murray as the founders of the holiday. Scholars have determined that the Waterloo account is a myth. Snopes and Live Science also discredit the Waterloo account.

Check Your Smoke Alarm

Courtesy of iii.org

Ah, spring! The season of renewal, of fresh beginnings, of flowers in bloom – and of fresh batteries in the smoke alarm. Yes, you probably overlooked that last item, so here’s a reminder to put it on the spring to-do list.

Checking (and changing) the batteries in the smoke alarm is a good springtime habit. Most homes have a smoke alarm, but if you don’t check it with regularity, you can’t be sure it’s working. It is one of those out-of-sight, out-of-mind things, so here’s a reminder to put your home or business smoke alarm top of mind.

According to the National Fire Protection Association (NFPA), almost three of every five home fire deaths resulted from fires in homes with no smoke alarms or in homes where the smoke alarm was not working. NFPA also points to missing or disconnected batteries as the reason for inoperable smoke alarms. Dead batteries cause 25 percent of smoke alarm failures.

That chirping sound you hear at night? It’s not the first robin of spring. It’s the smoke alarm battery alerting you that it’s time for a change. And, if your smoke alarm is more than 10 years old, replace the entire alarm. It’s inexpensive protection that is worth every cent.

Most insurance companies offer discounts for smoke alarms, particularly monitored systems. After you check the batteries and/or upgrade your smoke alarm, check with your insurer on any possible discount. It might be a small amount, but the alarm itself is big protection – for every season.

What To Do In A Tornado

Courtesy of iii.org

When atmospheric conditions are right, tornadoes can strike with little warning and cause grave amounts of damage in a very short time. These tips can help minimize your risk and keep you and your family safe.


What is a tornado?

A tornado—also known as a twister—is a violently rotating column of air that extends from a thunderstorm and comes into contact with the ground. Tornado intensity is measured by the Enhanced Fujita (EF) scale, which rates tornadoes from 0 through 5, based on the amount and type of wind damage.

How common are tornadoes?

An average of about 1,000 tornadoes are reported nationwide each year. Twisters are more common in the central United States, though they can occur almost anywhere in North America, including in large cities.

Tornadoes can happen at any time of year or at any time of the day or night, though they happen most frequently between early spring and July, and between the hours of 4pm and 9pm.

What are the warning signs of a tornado?

Signs that a twister is coming include:

  • Dark greenish skies
  • Large hail
  • Dark, rotating, low-altitude cloud
  • Loud roar, like a train

Despite the fact that meteorologists are now better able to predict them, tornadoes can strike with little warning. Therefore, it’s best to be prepared well before a tornado approaches. For tips, handy checklists (including ones you can personalize yourself) and planning advice to cover a variety of situations, get the I.I.I.’s Know Your Plan app. It’s a great tool to help get you and your family—including pets—organized and ready to act more quickly if disaster strikes.

In communities with a history of tornado activity, there may be a tornado warning siren and/or a digital messaging system to alert residents that there is a twister coming and that they should seek proper shelter immediately.

What’s the difference between a tornado watch and a tornado warning?

Both tornado watches and tornado warnings are issued by the National Oceanic and Atmospheric Administration (NOAA)/ National Weather Service. However, there are critical differences between the two alerts.

  • A tornado watch means that conditions are favorable for tornadoes to develop. Be alert to changes in the weather, account for all family members, and listen to local radio and TV stations for updated storm information. Move cars inside and keep car and house keys with you. If time permits, move lawn furniture and equipment inside to minimize flying debris. If a tornado siren sounds, stay inside and take cover.
  • A tornado warning means a tornado has actually been spotted or is indicated on weather radar in your area. This means danger is imminent and you may only have seconds to take cover.

What to do when a tornado has been sighted

When a tornado warning sounds or a tornado has been sighted, do not try to outrun it. Stay calm but quickly seek shelter in the safest place possible.

  • If you are at home, the safest place to be is underground. Basements are usually the most protected area, but if this is not an option take cover in central part of the house away from windows—for example in a bathroom, closet, interior hallway or under a heavy piece of furniture.
  • If you are in an office building or skyscraper, go directly to an enclosed, windowless area in the center of the building—away from glass and on the lowest floor possible—and crouch down and cover your head. Interior stairwells are usually good places to take shelter and, if they are not crowded, allow you to get to a lower level quickly. Stay off elevators, you could get trapped if the power is lost. If you are in a tall building you may not have enough time to evacuate to the lowest floor.
  • If you are at school follow the staff instructions and go to an interior hall or room in an orderly way as directed. Crouch low, head down, and protect the back of your head with your arms. Stay away from windows and large open rooms like gyms and auditoriums.
  • If you are in a car or truck, abandon the vehicle and seek shelter in sturdy structure. If you are in open country, seek shelter in the nearest ditch. Lie flat, facedown on low ground, protecting the back of your head with your arms. Get as far away from trees and cars as you can.
  • If you are in a mobile home, get out! Even if the home is tied down, you are probably safer outside.

Safety precautions to take after a tornado

Tornadoes can cause dangerous damages, so take caution with potential hazards after the storm.

  • Stay in your shelter until after the storm is over or until emergency personnel have arrived.
  • Check the people around you for injuries. If necessary, begin first aid or seek help.
  • Check your utility lines and appliances for damage. If you smell gas, open the windows and turn off the main valve. Don’t turn on lights or appliances until the gas has dissipated. If electric wires are shorting out, turn off the power.
  • Outside, watch out for downed power lines and stay away from any puddle with wires in them. These could be carrying deadly live current.
  • Be aware there may be leaking gas pipes or fuel tanks nearby. The oil from these can be present in water or on the ground, so avoid using matches or lighters.

Recovering from a tornado

Damage caused by tornadoes is covered under standard homeowners and business insurance policies, and under the optional comprehensive portion of an auto insurance policy.

If you sustain tornado damage:

  • Contact your insurer as soon as possible and start the claims filing process. After tornadoes and other disasters, insurance companies will reach out to those with the worst losses first.
  • Take photos of any damage. A photographic record is useful when making insurance claims.
  • Make temporary repairs to prevent further loss from rain, wind or looting; these costs are reimbursable under most policies, so save the receipts.
  • Make a detailed list of all damaged or destroyed personal property. If you have a home inventory, it will be extremely useful here. Don’t throw out damaged property until you have met with an adjuster.
  • Don’t rush to sign repair contracts. Do your homework, deal with reputable contractors and get references. Be sure of payment terms and consult your insurance adjuster before you sign any contracts.
  • If your home is uninhabitable because of tornado damage, your homeowners or renters insurance provides coverage for additional living expenses (ALE) such as hotel bills or meals out. Save all related receipts and, if you have vacated your home premises, make sure your insurance representative knows where and how to contact you.

 

Facts on Distracted Driving

Courtesy of http://www.iii.org/fact-statistic/distracted-driving

Activities that take drivers’ attention off the road, including talking or texting on cellphones, eating, conversing with passengers and other distractions, are a major safety threat. The National Highway Traffic Safety Administration (NHTSA) gauges distracted driving by collecting data on distraction-affected crashes, which focuses on distractions that are most likely to affect crash involvement such as dialing a cellphone or texting and being distracted by another person or an outside event. In 2013, 3,154 people were killed in distraction-affected crashes, and 424,000 people were injured. There were 2,910 distraction-affected fatal crashes, accounting for 10 percent of all fatal crashes in the nation, 18 percent of injury crashes and 16 percent of all motor vehicle crashes in 2013.

FATAL CRASHES AFFECTED BY DISTRACTED DRIVERS, 2013

CrashesDriversFatalities
Total fatal crashes30,05744,57432,719
Distracted-affected fatal crashes
Number2,9102,9593,154
Percent of total fatal crashes10%7%10%
Cellphone in use in distracted-affected fatal crashes
Number411427445
Percent of fatal distracted-affected crashes14%14%14%

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.

View Archived Tables

NHTSA says that in 2013, 14 percent of distraction-affected crashes occurred while a cell phone was in use. The chart below shows driver hand-held phone use by age.

DRIVER HAND-HELD CELLPHONE USE BY AGE, 2005-2014 (1)

 

(1) Percent of drivers using hand-held cellphones.

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.

View Archived Graphs

NHTSA’s website, Distraction.gov has more information on distracted driving. “It Can Wait”, a public awareness campaign funded by four by wireless carriers, provides resources on the dangers of distracted driving, including “From One Second to the Next”, a film by director Werner Herzog profiling the victims of distracted driving.

Liability and Parties

Courtesy of iii.org

Whether you’re hosting a Super Bowl party for 50 or greeting the New Year with a few friends, if you’re planning to serve alcohol at your home take steps to limit your liquor liability and make sure you have the proper insurance.


Social host liability is the legal term for the criminal and civil responsibility of a person who furnishes liquor to a guest. Social host liability can have serious consequences for party throwers.

Social host liability law

Also known as “Dram Shop Liability,” social host liability laws vary widely from state to state, but 43 states have them on the books. Most of these laws also offer an injured person, such as the victim of a drunk driver, a method to sue the person who served the alcohol. There are circumstances under these laws where criminal charges may also apply.

While a social host is not liable for injuries sustained by a drunken guest (as the guest is also negligent), the host can be held liable for harm to third parties, and even for passengers of the guest who have been injured in their car.

Social host liability—insurance considerations

Homeowners insurance usually provides some liquor liability coverage, but limits are typically $100,000 to $300,000, which, depending on your assets, might not be enough. Before planning a party in your home, speak to your insurance professional to review your homeowners coverage for any exclusions, conditions or limitations your policy might have that would affect your social liability risk.

Protect yourself and your guests

Remember that a good host is a responsible host. If you plan to serve alcohol at a party, promote safe alcohol consumption and take these steps to reduce your social host liability exposure:

  • Make sure you understand your state laws. These laws vary widely from state to state (see final chart). Some states do not impose any liability on social hosts. Others limit liability to injuries that occur on the host’s premises. Some extend the host’s liability to injuries that occur anywhere a guest who has consumed alcohol goes. Many states have laws that pertain specifically to furnishing alcohol to minors.
  • Consider venues other than your home for the party. Hosting your party at a restaurant or bar with a liquor license, rather than at your home, will help minimize liquor liability risks.
  • Hire a professional bartender. Most bartenders are trained to recognize signs of intoxication and are better able to limit consumption by partygoers.
  • Encourage guests to pick a designated driver who will refrain from drinking alcoholic beverages so that he or she can drive other guests home.
  • Limit your own alcohol intake as a responsible host/hostess, so that you will be better able to judge your guests’ sobriety.
  • Offer non-alcoholic beverages and always serve food. Eating and drinking plenty of water, or other non-alcoholic beverages, can help counter the effects of alcohol.
  • Do not pressure guests to drink or rush to refill their glasses when empty. And never serve alcohol to guests who are visibly intoxicated.
  • Stop serving liquor toward the end of the evening. Switch to coffee, tea and soft drinks.
  • If guests drink too much or seem too tired to drive home, call a cab, arrange a ride with a sober guest or have them sleep at your home.
  • Encourage all your guests to wear seatbelts as they drive home. Studies show that seatbelts save lives.

Avoiding Scams After A Disaster

Don’t be a victim of dishonest service providers

Courtesy of iii.org

If your home was destroyed by a hurricane, wildfire or other disaster, be cautious.

Unfortunately, there are dishonest service providers that prey on disaster victims. They know that people who have lost their homes and valuables may not be thinking clearly. If you have suffered this type of loss, don’t make any rash decisions. Talk to your insurance agent, who may recommend service providers in your area.

Here are some basic guidelines for hiring service providers.

Here are some basic guidelines for hiring service providers.

Roofers and builders

  1. Don’t be rushed into signing a contract with any company. Instead, collect business cards and get written estimates for the proposed job.
  2. Beware of building contractors that encourage you to spend a lot of money on temporary repairs. Payments for temporary repairs are covered as part of the total settlement. If you pay a contractor a large sum for a temporary repair job, you may not have enough money for permanent repairs. In most cases, you should be able to make the temporary repairs yourself. Ask your insurance agent. And remember to keep receipts.
  3. Investigate the track record of any roofer, builder or contractor that you consider hiring. Look for professionals that have a solid reputation in your community. You can call your Better Business Bureau for help. Also, get references and never give anyone a deposit until after you have thoroughly researched their background.

A common fraud scheme is for a so-called “contractor” to convince a homeowner that a large deposit must be provided before repair work can begin. Frequently, the job will be started, but not completed. Unfortunately, these con artists are never seen or heard from again.

Public adjusters and attorneys

  1. Don’t make any rash decisions about hiring someone to handle your claim. Be especially wary of individuals who go door-to-door soliciting business in the aftermath of a catastrophe. Most importantly, don’t let anyone scare you into signing a contract. You don’t want to be victimized by someone who comes into town, hoping to make a fast buck. You could end up forfeiting a significant portion of your insurance dollars.
  2. Before hiring a public adjuster or an attorney, try to settle your claim directly with your insurance company. Your insurer provides an adjuster at no charge to you. Ask your insurance agent or company representative to help you with your claim and don’t be afraid to ask questions. If you decide to work directly with your insurer, you still have the right to hire a third-party professional to help you.
  3. If your claim is complicated and you want to hire a public adjuster or attorney, make sure that person is qualified to handle your case. Ask your friends, relatives or business associates for the names of well-regarded professionals in your community. Also, call your state insurance department regarding a public adjuster, and your state or county bar association about a prospective attorney.
  4. Understand that you will have to pay a public adjuster 15 percent and an attorney as much as 30 percent of your total claim settlement.

 

Next steps: Make sure your home is properly insured before disaster strikes.

Outlook for 2018 Atlantic Hurricanes

Courtesy of iii.org

Colorado State University (CSU) released its updated outlook for the 2018 Atlantic hurricane season today, and they are now calling for a below-normal season with a total of 11 named storms (including Alberto which formed in May), four hurricanes and one major hurricane (maximum sustained winds of 111 miles per hour or greater; Category 3-5 on the Saffir-Simpson Wind Scale) (Figure 1). This prediction is a considerable reduction from their June outlook which called for 14 named storms, six hurricanes and two major hurricanes. Accumulated Cyclone Energy (ACE) and Net Tropical Cyclone (NTC) activity are integrated metrics that take into account the frequency, intensity and duration of storms.

Figure 1: July 2, 2018 outlook for the forthcoming Atlantic hurricane season.

CSU employs a statistical model as one of its primary outlook tools. The statistical model uses historical oceanic and atmospheric data to find predictors that worked well at forecasting prior year’s hurricane activity and has shown considerable skill based on data back to 1982 ). The statistical forecast for 2018 is calling for a below-average season.

CSU also uses an analog approach, whereby the team looks for past years with conditions that were most similar to what they see currently, and what they predict for the peak of the Atlantic hurricane season (August-October). The forecast team currently anticipates below-average to near-average sea surface temperatures (SSTs) in the tropical Atlantic and warm neutral to weak El Niño conditions in the eastern and central Pacific. This averaging of the five analog seasons also calls for a below-average season .

The primary reason for the reduction in the seasonal forecast was due to continued anomalous cooling of the tropical Atlantic. Most of the Atlantic right now is much cooler than normal. (Figure 4). In fact, current sea surface temperature anomalies in the tropical Atlantic are colder than any year since 1994. In addition to providing less fuel for storms, a cooler tropical Atlantic is also associated with a more stable and drier atmosphere as well as higher pressure. All of these conditions tend to suppress Atlantic hurricane activity.

CSU also believes that the chance has increased for a weak El Niño event developing to coincide with the peak of Atlantic hurricane season. El Niños tend to reduce Atlantic hurricane activity through increases in upper-level winds that tear apart hurricanes as they are trying to develop. The dynamical and statistical model guidance is about evenly split between El Niño and neutral (neither El Niño nor La Niña) conditions for the peak of the Atlantic hurricane season (August-October)

Coastal residents are reminded that it takes only one storm to make any hurricane season an “active” one. For example, CSU correctly predicted a quiet Atlantic hurricane season in 1992. The season, in fact, was very quiet, with only seven named storms, four hurricanes and one major hurricane—but that major hurricane happened to be Hurricane Andrew, which tore across south Florida as a Category 5.

Tornado Tips

Courtesy of iii.org

Warnings/watches

Remember that a watch means that weather conditions are favorable for tornadoes and a warning means one has been spotted in your area.

  • Learn the warning signals used in your community. If a siren sounds, that means stay inside and take cover.
  • Consider setting up a neighborhood information program through a club, church group or community group. Hold briefings on safety procedures as tornado season approaches. Set up a system to make sure senior citizens and shut-ins are alerted if there is a tornado warning.

Seeking shelter

Do not try to outrun a tornado. Instead, stay calm and seek shelter.

  • At home or work, seek shelter in the central part of the building, away from windows. Basements are the best havens. If this is not an option, take cover in the bathroom, closet, interior hallway or under a heavy piece of furniture.
  • If you are in your car, abandon your vehicle and seek shelter in the nearest ditch if no other facility is available.
  • People living in mobile homes should vacate the premises and seek shelter elsewhere.

Protecting your property

  • If a tornado watch has been issued, move cars inside a garage or carport to avoid damage from hail that often accompanies tornadoes. Keep your car keys and house keys with you.
  • If time permits, move lawn furniture and yard equipment such as lawnmowers inside. Otherwise they could become damaged or act as dangerous projectiles causing serious injury or damage.
  • Make an inventory of your possessions and store it off the premises. If your belongings are damaged, this list will help facilitate the claim filing process.