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91. Keep your health insurance cards on hand at all times. It is important to always have your health insurance cards at the ready in case you need to be taken to a hospital for any reason. Parents should keep the cards of their children on hand as well, in case of an emergency.
92. If you are moving into a new area, talk to an insurance agent to find out what is commonly excluded based upon the location where you will live. It is common for flood damage to be excluded from homeowner’s policies in flood-ridden areas. Fire insurance is generally a separate policy, and most standard policies will not cover natural disaster (or, Act of God) damage.
93. Set up an emergency financial fund. It is a good idea to establish an emergency fund in a separate savings account. In the event of an emergency you may need to be able to pay for food, clothing and a hotel. Or, you may need to be able to replace your refrigerator due to flood damage. Either way, insurance companies often take weeks or longer to process emergency claims and you are better off being able to carry the upfront costs while waiting for reimbursement.
94. Consider putting together an evacuation box. This is a good way to make sure that you are ready if evacuation is imminent. Use a waterproof box that contains cash, maybe traveler’s checks, medication, important papers and photographs of family members. It should also contain a list of important phone numbers and duplicate insurance cards, or copies. Anything else that you might need should be in this box.
95. Store valuable papers off-site. Many people have rented safe deposit boxes through their bank as a place to safely store records, papers and duplicates of important documents. This is a good place to store insurance policies, your will and a copy of your prescriptions.
96. Know ahead of time what you would take with you. If you are faced with one hour until evacuation during an emergency, you will want to know ahead of time what you will want to grab first. Most likely, you will already have cash and important documents, but you should develop a list of items to grab and their location within the home. It is recommended that you take only those things that cannot be replaced.
97. Make sure that your will is up to date. It’s difficult sometimes to realize that in a natural disaster and other emergencies we put our lives at risk simply by being alive. Therefore, you should always keep your will updated and on file with an attorney. If you are a parent, be certain to include stipulations regarding your children.
98. Consider a savings account with a credit union or bank that is outside of your local area. In the case of a major emergency, local banks will most likely be closed. Therefore, you would be wise to consider a bank account with an institution that will most likely be unaffected by a local emergency. It may take longer to get access to the funds, however at least you will be able to get to them.
99. Keep some of your investments liquid. If you are the type of person to invest your emergency funds, that’s a wonderful way to see your savings grow over time. However, if you need to wait ten days to liquidate an asset you may experience significant problems. Therefore, a money market might be a good idea for at least part of your emergency fund.
100. Know your local area. Even if you are new to a location, it is important to know the area very well. You should have several planned routes for evacuation if necessary and you should know where to go in case of an emergency. Become familiar with where the police and fire departments are located as well as any other businesses or organizations that you may need in case of an emergency.
101. Keep copies of your computerized files. It is important to always have a back up of your computer files in the event of any sort of emergency. Many people no longer keep paper records for their homes and businesses. A good idea is to make a DVD or CD back up every month and to place it somewhere that you can get to it in an emergency. You can place it in your firebox or consider keeping it at your office.
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