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Your Disaster Preparedness Checklist: What You Need To Know

As your dedicated insurance broker, your safety in the face of natural disasters like floods and bushfires is our top priority. Here’s a specialised preparedness checklist to help you and your loved ones stay protected when confronted with the unique challenges of these events.

1. Emergency Kit:
Assemble a comprehensive emergency kit tailored for flood and bushfire scenarios. Include non-perishable food, water, a flashlight, batteries, a first-aid kit, essential medications, protective masks, and a multi-tool.

2. Communication Plan:
Establish a family communication plan specifically designed for these disasters. Ensure everyone knows the designated meeting point, and have a list of emergency contacts ready. Consider investing in a battery-powered or hand-crank emergency radio for updates.

3. Important Documents:
Safeguard essential documents like property deeds, insurance policies, identification, medical records, and financial information in a waterproof container or digitise them for secure cloud storage.

4. Home Preparedness (Bushfires):
Create a defensible space around your property by clearing dry vegetation and installing fire-resistant roofing and siding materials. Have fire-resistant clothing and masks readily accessible.

5. Home Preparedness (Floods):
Elevate electrical systems and install flood-resistant barriers like sandbags or water gates. Waterproof your basement and install sump pumps.

6. Evacuation Plan:
Familiarise yourself with evacuation routes specific to floods and bushfires. Account for your pets’ safety, and have carriers or leashes on hand.

7. Insurance Coverage:
Review your insurance policies, including flood and wildfire coverage. Ensure you have adequate protection tailored to these natural disasters.

8. Financial Preparedness:
Establish an emergency fund to cover immediate expenses. Set up automatic bill payments to avoid disruptions during and after disasters.

9. Stay Informed:
Continuously monitor weather updates and local news for alerts related to flooding and bushfires. Follow directives from local authorities and evacuate when advised.

10. Practice Drills:
Conduct regular evacuation drills with your family, emphasising safe routes and emergency procedures specific to floods and bushfires.

11. Helping Others:
Extend a helping hand to neighbours and community members who may need assistance during these disasters. Collaborate with local disaster relief organisations to support affected individuals.

By diligently following this flood and bushfire preparedness checklist, you’re taking proactive measures to protect yourself and your loved ones from these specific natural disasters. Remember, preparedness is your best defence, and your insurance coverage is a crucial part of your safety net. Should you have any questions or require assistance with your insurance policies, please reach out to us. Your safety and security are our unwavering commitment, today and always.

Any general advice in this article does not take into account your personal objectives, financial situation and needs.

The information provided is for general information purposes only, and it is not a substitute for professional advice. You should always consider the PDS/Policy wording before making a decision. Coverage may differ based on specific clauses in individual policies 
General Advice Warning: This advice is general and does not take into account your objectives, financial situation or needs. You should consider whether the advice is appropriate for you and your personal circumstances. Before you make any decision about whether to acquire a certain product, you should obtain and read the relevant product disclosure statement.

All information above has been provided by the author.

Casey Caldera, ABN 93 660 379 046, AFSL 344648

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