SBA promotes planning for disasters

The Small Business Administration notes that September is National Preparedness Month and reminds us of the fifth anniversary of the storms of 2005 that devastated homes and businesses all along the Gulf Coast.

In Snohomish County, November is frequently a bad month as winter rains swell our rivers and often push them over their banks. Even if your business is on high ground, it never hurts to have a good plan for keeping it functioning when the unexpected happens.

“There is a tendency to think that a large-scale disaster is not going to happen ‘where I live,'” SBA Administrator Karen Mills said. “The reality is that storms, floods, earthquakes, fires and man-made disasters can strike anytime and anywhere. Planning ahead for your own post-disaster recovery is a good step toward protecting your family, your business and your community.”

Mills; agency offered these tips:

Develop a solid emergency response plan. Find evacuation routes from the home or business and establish meeting places. Make sure everyone understands the plan beforehand. Keep emergency phone numbers handy. Business owners should designate a contact person to communicate with other employees, customers and vendors. Homeowners, renters and business owners should ask an out-of-state friend, colleague or family member to be a “post-disaster” point of contact, supporting the flow of information about short-term relocations, recovery, additional sources of assistance, etc.

Make sure you have adequate insurance coverage. Disaster preparedness begins with having adequate insurance coverage—at least enough to rebuild your home or business. Homeowners and business owners should review their policies to see what is or isn't covered. Companies should consider business interruption insurance, which helps cover operating costs during the post-disaster shutdown period. Flood insurance is essential. To find out more about the National Flood Insurance Program, click here

Copy important records. It's a good idea to back up vital records and information saved on computer hard drives, and store that information at a distant offsite location in fireproof safe deposit boxes. You should have copies/back ups of important documents ready to take with you if you have to evacuate.

Create a “Disaster Survival Kit.” The kit should include a flashlight, a portable radio, extra batteries, first-aid supplies, non-perishable food, bottled water, a basic tool kit, plastic sheeting and garbage bags, cash, and a digital camera to take pictures of the property damage after the storm.

For more SBA preparedness tips click here to learn about how the agency can help after a disaser click here