Disaster Preparedness And Mitigation

Disaster Aftermath Fairy Tale

Once upon a time there were calamities taking place. No, not fires, earthquakes, hurricanes or some other catastrophes, but something much less noticeable: insurance adjusters, welcomed with open arms, who took advantage of disaster survivors when they were most vulnerable. If you didn't have at least one hand on the wheel before the curve you lost control. The millions of people who suffered from a disaster each year such as earthquake, hurricane, tornado, fire and flood usually carried insurance, but they generally had no idea what they should financially expect, even after asking around. Nearly everyone had been left out of the loop, mainly because most of us rather hoped for the best than prepared for the worst. It is hoped you have found some immediate help here, and realized the greater benefit of preparedness in the long term, before a crisis of having your authority conceded for lack of knowledge. Crucial information and rights are essential, not make-believe.

When it comes to your property, you see what to expect in case of loss, e.g., hurricane, tornado, earthquake, flood, fire. It's the content that matters...inside out.

The N.A.I.C. (government entity that makes the insurance rules) Unfair Property/Casualty Claims Settlement Practices Model Regulation section on policyholder rights and insurance company responsibilities is contained in the book, "Policy Ensurance."

Control the element of surprise with Policy Ensurance by your side!

"Thank you...regarding your vital information on Preparedness...In particular...useful information for people to have in terms of property insurance and business recovery issues...a good reminder of ways of helping prevent stress by Preparedness. Good luck with your book."
—Disaster Mental Health
American Red Cross
National Headquarters, USA

Compiled by Antone P. Braga

The millions of people each year who suffer disasters such as earthquake, hurricane, fire and flood are generally surprised to find disasters happen not just to other people. Probably the most difficult aspect following survival of a disaster is in having to enter the realm of the unknown. Under the circumstances most people are not psychologically up to the task. It is very common to see people in a state of shock, confusion and helplessness. Those who are objective, informed and prepared are inclined to be more emotionally level and competent.

In the past, disaster psychology has focused mainly on the response and recovery phases of emergencies. I believe that addressing emotional issues of preparedness along side the physical facets is a worthwhile area in which to focus. The age old proverb is as true today as it ever has been, "An ounce of prevention is worth a pound of cure." Below are some recommendations.

Reduce the emotional impact of loss through these 7 simple steps:

1) ANTICIPATE - Consider the natural range of feelings people likely experience when they survive a disaster, which range from, "I'm overwhelmed...I don't know who to trust...I've panicked...I can't cope..."; to the other end of the spectrum, "I'm well prepared...I'm competent...I'll get through this...I'm in control." Anticipate that helpless feelings and most reactions to disaster can be managed.
2) REDUCE ANXIETY - Emphasize reducing anxiety through good preparedness. Take on manageable projects, don't spread yourself too thin, and learn to say no when you feel under pressure. Talking about preparedness for potential emergencies will decrease anxiety or panic. Remember, research supports that solid information is the antidote to panic. Be aware of using extreme expressions such as: must, always, never, awful or disastrous. Allow yourself some time to relax every day. When feeling anxious ask yourself what you can do to change that feeling. Know that having well grounded information is a way to decrease anxiety.
3) PRACTICE STRESS REDUCTION - Some methods to reduce stress are: learn to increase relaxation to a higher level, routinely take deep, regular breaths, take warm baths, count to 10 as a way to step away from non-emergency stressful moments, commune with nature, meditate, day dream of a personal relaxation scene, maintain good nutrition, adopt regular aerobic exercise, get massages from a skilled therapist. Another practical calming technique is to create a mantram—the practice of repeating over and over in the mind such as, "By night and by day, I am being prospered in all my interests." This is most effective when dozing off to sleep—when the conscious thought is giving way to the subconscious mind. Repetition of the phrase has an immediate calming effect and is a way to program the subconscious to carry out an ongoing instruction for behavior even without conscious thought after a period of a week or two. The subconscious will usually sort out what is or is not really in your interest and proceed to have you act more in that way. This is also a tool for changing undesirable habits. Since stress-reducing methods take time to become ingrained, they must be learned and practiced in advance.
4) GET THE FAMILY INTO ACTION - Get family members prepared for emergencies. Discuss a plan of action, and have a disaster supplies kit: water, food, first aid supplies, clothing and bedding, tools and emergency supplies, and special items for medical conditions. Talk about the importance of being prepared. Remain objective and informative. Focus on active disaster preparedness everyone can begin right now.
5) PROTECT THE FAMILY'S ASSETS - The prospect of losing one's home and possessions is highly stressful even if covered by insurance. Become accustomed to the concept that a property insurance claim is a business recovery issue, considering the family's assets and losses to be the "corporation" that will need recovery. Adjusters on the other side of the table know they will be negotiating a business transaction, and so should you. To have this awareness beforehand can help protect your interest, and improve your negotiating ability.
6) MAINTAINING CONTROL—RECOVERY - Disasters are an experience of losing control...control over just about everything. Get an idea now, how to calculate, prepare and settle property insurance claims. Much the same as one keeps a dictionary for reference, it helps to have a book handy that contains fundamental information you might need, like rules that govern companies' behavior, claim values, your rights and responsibilities, and adjusters' jargon. Have a basic understanding of the procedure that determines what you might be entitled to under your property insurance policies (home, business, auto, boat, etc.) so you know what you can expect in case of loss—prepared for recovery.
7) A JOB WELL DONE! - Give yourself the reinforcement of a pat on the back and take pride in the accomplishment of being prepared. Preparedness brings with it comfort in knowing you are well prepared to cope. Remember that increased readiness is a powerful tool to promote self-reliance in a household, neighborhood, or community and contributes to an internal sense of mastery and confidence.

For further support visit: www.DisasterPrepared.net

*Although the cumulative work of the psychology profession provided the nucleus, it is the need for disaster emotional preparedness and dissemination of information to the public that germinated the seed. The following references helped make this article a reality: "The Power of Your Subconscious Mind," by Dr. Joseph Murphy, DRS, PhD, DD, LLD; Dr. Deborah Bier, PhD; Holtz Psychological Services, PC; Dr. Andrew Weil, MD; Justin Becker; Mind Tools, LTD; American Red Cross.

In co-dependence denial the greatest ignorance is to reject substantive matter out of hand, yet insurance policyholders do it as preset course, unaware of their vulnerability till often too late.
The question is when will the 99% change course? The answer is when they are good and ready.

About DisasterPrepared • Privacy/Security