Storm Safety Resources

// Katie Rynard on Friday September 8, 2017

Hurricane season has officially reached the halfway point, and this year's active season has already caused much devastation.

Whether you're dealing with the aftermath of Hurricane Harvey, are bracing yourself for Hurricane Irma, or are facing other storm damage and flooding, reviewing these safety resources can help ensure you, your loved ones and your organization are ready:

Hurricane Preparedness & Response will help you familiarize yourself with hurricane terminology and get your facility ready to weather the storm.

Emergency Shelter Preparedness highlights what you need to do if your organization decides to open its doors to those in your community who are impacted by natural disasters.

Steps to Take After a Storm is a checklist that will walk you through filing a claim, assessing damage and cleaning up.

Protecting Property & Equipment After a Storm, from Hartford Steam Boiler, GuideOne's equipment breakdown reinsurer, describes the appropriate steps to take before using any equipment, machinery or electrical systems that have been exposed to flood waters.

GuideOne's thoughts and prayers continue to be with everyone impacted by Hurricanes Harvey and Irma.

This material is for information only and is not intended to provide legal or professional advice. You are encouraged to consult with your own attorney or other expert consultants for a professional opinion specific to your situation. This information is only a general description of the available coverages and is not a contract. In an effort to keep your policy coverage affordable, the actual policy contains certain limitations and exclusion. Please refer to your insurance policy for the pertinent contract language and coverages. Some coverages and discounts are not available in all states. GuideOne welcomes all applications, without regard to religion, race, color, national origin, sex, handicap or familial status.

Katie Rynard

Katie Rynard

Katie Rynard is a Corporate Communications Specialist at GuideOne Insurance.

When she's not at work, she enjoys decorating, traveling, trying new restaurants and spending time with her husband, daughter and dachshund puppy.

Steps to Take After a Storm

// Lindsay Taylor on Tuesday May 30, 2017

So far in 2017, there have been 10,709 reports of severe weather across the country. This includes 928 tornadoes, 3,471 reports of hail and 6,310 reports of strong winds. Of these reports, the state of Texas alone had 1,180 reports of severe weather followed by Missouri with 833 reports and Georgia with 633 reports.*

As the reports indicate, severe weather happens often, and unfortunately it leaves behind quite a trail of damage. If your organization experiences damage caused by severe weather, refer to this checklist for steps you should take following the storm:

Filing a Claim

  • If your property has suffered a loss, report it. Call your insurance company and file a claim.  
  • Take photographs of the damage to help document your claim.
  • Keep receipts for all expenses related to the loss.

Assessing the Damage

  • Before re-entering your building, check for structural damage. Don’t go in if it looks unsafe or if there is a chance of falling debris or a building collapse.
  • Thoroughly, and cautiously, inspect for damage and potential hazards.
  • When you enter the building, use battery-powered flashlights or lanterns instead of matches, candles or other open flames because gas may be trapped inside. If you smell gas or hear a hissing sound, leave immediately and call the gas company from a neighboring location. If the gas meter is outside, turn off the gas at the meter.
  • Turn off the electricity at the main circuit panel even if power is out in the community. Keep the power off until an electrician has inspected your system and given the go-ahead.
  • Do not start the heating system or boilers until the systems have been inspected.
  • Check for sewage and water line damage. If you suspect damage, avoid using the toilets and taps. Turn off water at the meter and call a plumber.
  • Contact utility companies and reputable contractors to secure the building.
  • Until local authorities declare the water supply to be safe, do not drink tap water or use it in food preparation unless it is boiled first.
  • Check playground areas for safety hazards caused by the weather.

Cleaning Up

  • Make temporary repairs to protect the property from further damage. Cover holes in the roof, walls or windows with tarps, boards or plastic sheeting.
  • Do not attempt to remove or replace displaced propane tanks as there is a real danger of fire or explosion.
  • Wear rubber boots, waterproof gloves and other protection during cleanup.
  • If floodwaters entered the building and left mud behind, shovel the mud out of the building and then hose down the area. Dry out the premises with fans, dehumidifiers and desiccants (materials that absorb moisture).
  • Clean walls and hard-surfaced floors with soap and water. Disinfect with a mixture of 1 cup of bleach to 5 gallons of water. Steam clean all carpets.
  • Remove and discard any materials that cannot be disinfected such as wall coverings and drywall.
  • Throw away any food items – including canned goods – that have come into contact with floodwaters.
  • Do not allow adults or children to search through debris piles on the premises.

For more information on preparing for severe weather and dealing with the aftermath, check out these resources:

Hurricane Preparedness and Response 
Tornadoes 
Wind and Hail Preparedness
Why You Should Take Storm Damage Seriously 

Sources: NOAA | The GuideOne Center for Risk Management, LLC

*Information current as of May 30, 2017.

This material is for information only and is not intended to provide legal or professional advice. You are encouraged to consult with your own attorney or other expert consultants for a professional opinion specific to your situation. This information is only a general description of the available coverages and is not a contract. In an effort to keep your policy coverage affordable, the actual policy contains certain limitations and exclusion. Please refer to your insurance policy for the pertinent contract language and coverages. Some coverages and discounts are not available in all states. GuideOne welcomes all applications, without regard to religion, race, color, national origin, sex, handicap or familial status.

Lindsay Taylor

Lindsay Taylor

Lindsay Taylor is a Marketing Coordinator for GuideOne Insurance, focusing on marketing communications and the co-op program.

In her free time, she enjoys dancing, running and spending time with friends and family.

Top 10 Church Claims

// Taylor Vivant on Tuesday February 23, 2016

Your church faces many risks that could potentially lead to an insurance claim. While purchasing insurance can help protect your church in the event of a claim, proper risk management and precautionary actions may lessen the likelihood of your church experiencing a loss. It may be a good idea to be aware of the most common church claims, so you can adequately prepare for these costly situations.

Review the infographic below for a list of the top 10 church claims and statistics that emphasize the importance of preventing them. You also will find links to additional resources that offer risk management and loss prevention tips for your church. Check out the links below the image for more information regarding these types of claims.

Sources:

This material is for information only and is not intended to provide legal or professional advice. You are encouraged to consult with your own attorney or other expert consultants for a professional opinion specific to your situation. This information is only a general description of the available coverages and is not a contract. In an effort to keep your policy coverage affordable, the actual policy contains certain limitations and exclusion. Please refer to your insurance policy for the pertinent contract language and coverages. Some coverages and discounts are not available in all states. GuideOne welcomes all applications, without regard to religion, race, color, national origin, sex, handicap or familial status.

Taylor Vivant

Taylor Vivant

Taylor Vivant is a member of the Corporate Communications and Marketing team at GuideOne Insurance, where she assists in a variety of projects and tasks.

Away from work, she enjoys being active outdoors, adventuring with her friends and planning her next vacation.